{"id":12937,"date":"2023-06-06T18:58:56","date_gmt":"2023-06-06T18:58:56","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=12937&#038;preview=true&#038;preview_id=12937"},"modified":"2026-01-23T11:13:35","modified_gmt":"2026-01-23T16:13:35","slug":"why-renters-need-tenant-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance","title":{"rendered":"Why Renters Need Tenant Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Why Renters Need Tenant Insurance<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2023-06-06T18:58:56-04:00\">June 6, 2023<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">6 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/06\/RBCI-Why_renters_need_tenant_insurance.png?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Why renters need tenant insurance\" style=\"object-fit:cover;\" 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article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Why Renters Need Tenant Insurance &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is tenant insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-tenant-insurance\">What is tenant insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-tenant-insurance-cover\">What does tenant insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-do-all-renters-need-tenant-insurance\">Do all renters need tenant insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-does-tenant-insurance-protect-my-personal-belongings\">How does tenant insurance protect my personal belongings?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-is-liability-coverage\">What is liability coverage?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-tenant-insurance-cost\">How much does tenant insurance cost?<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>In 2021, the number of renter households grew faster than owner households, according to <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/220721\/dq220721b-eng.htm\">Statistics Canada<\/a>, and in cities like Qu\u00e9bec City and Halifax, <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/220921\/dq220921b-eng.htm\">more than 60 per cent<\/a> of new dwellings built since 2016 are rentals. Yet many tenants aren\u2019t aware that if there\u2019s an unexpected situation like a flood or fire, the landlord\u2019s insurance won\u2019t cover the loss of their personal belongings \u2014 and those items can add up quickly. Insuring yourself and your belongings now could help you get back on your feet if you need to make a claim.<\/p>\n<h2 id=\"h-what-is-tenant-insurance\">What is tenant insurance?<\/h2>\n<p>Like other types of home insurance, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\">tenant insurance<\/a> offers protection for damage or loss to your personal property at your rental home. In some cases, it can also cover your personal property when it is away from your premises. For example, if your laptop is stolen from your car. \u00a0<\/p>\n<p>Tenant insurance may also help cover costs, like moving expenses if you need to leave your rental property so repairs can be made after a covered claim for fire or water damage. Liability claims may also be covered if you accidentally damage someone else\u2019s property, like a neighbouring unit or home. Plus, no matter where you are, liability claims may be covered if you accidentally cause physical injury to someone else. For example, while you\u2019re on vacation out of the country, you throw a baseball and accidentally knock out a bystander\u2019s tooth.<\/p>\n<h2 id=\"h-what-does-tenant-insurance-cover\">What does tenant insurance cover?<\/h2>\n<p>Tenant insurance, sometimes called renter\u2019s insurance, generally covers two things: Personal belongings and liabilities. You can also purchase special coverage for things like business equipment kept at home, bicycles or jewelry.<\/p>\n<h3>Personal belongings<\/h3>\n<p>This is what you own, like your clothes, furniture, and electronics. You may be surprised by how much it would cost to replace your stuff. Try walking around your home and estimating what it would cost to buy everything new again \u2014 from your shoes to your toothbrush to your bed. It can add up quickly!<\/p>\n<h3>Liability<\/h3>\n<p>Tenant legal liability coverage can help protect you from accidentally injuring another person or damaging someone else\u2019s property. For example, if you have a guest over and they slip and fall, or if your microwave catches fire and your neighbour\u2019s unit has smoke damage.<\/p>\n<h3>Additional living expenses<\/h3>\n<p>Tenant insurance may also help cover costs, like hotels or food if you need to leave your rental property so repairs can be made after a covered claim.<\/p>\n<h2 id=\"h-do-all-renters-need-tenant-insurance\">Do all renters need tenant insurance?<\/h2>\n<p><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/home\/types-of-home-insurance-coverage\">Renters are legally responsible for damages<\/a> to the rental properties they live in, any unintentional injuries to the people in them and accidental damage to other properties. Anyone renting a property can have tenant insurance, but it isn\u2019t mandatory in Canada. However, many landlords ask for proof of it as part of the rental agreement.<\/p>\n<p>While your landlord\u2019s house or property insurance may cover damages to the structure of the home itself or any appliances the landlord owns, it won\u2019t cover damage to items that belong to you. It also doesn\u2019t cover you from situations where you could be personally liable, like if you accidentally cause a flood that damages a neighbour\u2019s unit.<\/p>\n<h2 id=\"h-how-does-tenant-insurance-protect-my-personal-belongings\">How does tenant insurance protect my personal belongings?<\/h2>\n<p>Tenant insurance covers items ranging from clothes and computers to appliances and books as long as you own them. For example, if a pipe burst and ruined your furniture and belongings in your basement apartment, your renter\u2019s insurance could help you replace those items. Or if your storage locker in your building is broken into and items stolen, having tenant insurance could also help replace your losses.<\/p>\n<p>Consider getting enough coverage so you can repurchase everything new if needed. Keep an itemized list of what\u2019s inside your home, take photos and videos of your belongings and record serial numbers. Store your list somewhere safe outside of your home, like a safety deposit box or a secured document online. This way, you can access it if you can\u2019t get into your home. Update your list on a regular basis, especially when you buy something valuable, and consider whether you need to increase your coverage.<\/p>\n<h2 id=\"h-what-is-liability-coverage\">What is liability coverage?<\/h2>\n<p>This is the amount of money you are covered for if someone (or their insurance company) sues you for damages. For example, if you have coverage for $2 million, your policy covers your legal liability up to that amount. For this reason, many renters buy policies with as much liability coverage as they can afford.<\/p>\n<h2 id=\"h-how-much-does-tenant-insurance-cost\">How much does tenant insurance cost?<\/h2>\n<p>Compared to home insurance, tenant insurance is usually more affordable because it does not cover the replacement costs of the house itself, but it covers:<\/p>\n<ul>\n<li>\n<p>Your personal property and belongings, like clothing and furniture<\/p>\n<\/li>\n<li>\n<p>Liability if someone is injured in your home, like if they slip and fall on your steps<\/p>\n<\/li>\n<li>\n<p>Liability coverage for repairs and damages where you\u2019re at fault<\/p>\n<\/li>\n<li>\n<p>Legal defence costs if someone sues you for damages to their property<\/p>\n<\/li>\n<\/ul>\n<p>Some insurance companies, like RBC Insurance, offer <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\/\">discounts for bundling<\/a> your tenant insurance with other policies, like car insurance. It\u2019s an option to explore if you need both types of policies.<\/p>\n<p>Getting tenant\u2019s insurance now could spare you from spending thousands of dollars later to replace items, repair damages, or deal with costly lawsuits from landlords or other individuals.<\/p>\n<p>A licensed insurance advisor can help you get a tenant insurance quote and find the right coverage for your situation.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-great-rates-and-expert-advice-on-home-insurance\">Great Rates and Expert Advice on Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Get a free online quote for coverage to protect you, your property, and your belongings from the unexpected*.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H20&amp;lang=EN\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-HomeInsurance-12937-476a44f4\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H20&amp;lang=EN \">Get My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-12937-f078fe6d\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How tenant insurance can help renters in Canada protect their liability and personal belongings in their rental apartment, condo or 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