Tenant Insurance

You don't own the place.
You still need to protect what's inside it.

Renting a home or apartment doesn’t mean you have nothing to protect.

Your furniture, electronics, clothing, personal belongings and financial security are all worth protecting. Tenant insurance can help cover your belongings, personal liability and additional living expenses if something unexpected happens.

Garriock Insurance helps renters across Winnipeg and Manitoba find affordable coverage that fits their home and their life.

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More Than Just Your Apartment

Your belongings don’t stop being your responsibility when you leave home. Depending on your policy, your coverage may extend to personal belongings outside your rental, such as items stolen from your vehicle.

Your Belongings

Your furniture, clothing, electronics, appliances and other personal belongings can add up quickly. Tenant insurance can help protect them against covered losses such as fire, theft and certain types of water damage.

Personal Liability

Accidents happen. If you’re responsible for accidentally damaging your rental or someone is injured while visiting you, personal liability coverage can help protect you from the financial consequences.

 

Additional Living Expenses

If your rental becomes uninhabitable because of a covered loss, your policy may help cover certain additional living expenses while you’re temporarily unable to live there.

Coverage varies by policy and operation; contact us for specifics.

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Your landlord has insurance. But it doesn't cover everything.

Your landlord’s insurance is designed to protect the building. It generally doesn’t cover your personal belongings or protect you from liability if you’re responsible for damage or someone is injured in your rental.

That’s where tenant insurance comes in.

Whether you’re renting an apartment, condo, house, basement suite or other rental property, we’ll help you understand what you’re actually covered for.

Renting Shouldn't Mean Going Without Protection.

You don’t need to own a home to have a lot worth protecting.

Whether you’re renting your first apartment, moving into a new house, sharing a place with roommates or settling into a long-term rental, we’ll help you find coverage that fits.

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Moving Into a New Rental?

Getting tenant insurance sorted out is one less thing to worry about.

Whether your landlord requires proof of insurance or you’re simply ready to protect your belongings and yourself, getting coverage in place before you move in can give you one less thing to think about.

Tell us a little about your rental and we’ll help you figure out what you need.

 

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FAQ: Tenant Insurance

Yes, your landlord’s insurance generally protects the building, not your personal belongings or your personal liability. Tenant insurance can help protect your belongings and provide liability coverage if you’re responsible for damage or someone is injured in your rental.

Tenant insurance can cover your personal belongings, personal liability and additional living expenses following certain covered losses. Depending on your policy, coverage may also extend to belongings outside your rental. Your specific coverage, limits and exclusions will depend on your policy.

Whether tenant insurance is required can depend on your rental agreement and circumstances. Even when it isn’t required, having coverage can protect you from potentially significant costs if your belongings are damaged or you’re responsible for a loss.

Tenant insurance can provide coverage for stolen personal belongings when the loss is covered by your policy. Certain high-value items may have specific limits or require additional coverage, so it’s worth discussing anything particularly valuable with your broker.

Some types of water damage may be covered, while other water-related risks may require additional coverage. Your Garriock broker can explain what your policy covers and whether additional protection makes sense for your rental.

Not necessarily. Coverage for roommates depends on how the policy is structured and who is named on it. If you’re sharing a rental, talk to your broker before assuming everyone and everything is covered.

The cost depends on factors such as where you live, the coverage you choose, your belongings and your liability limits. Tenant insurance is generally an affordable way to protect against losses that could otherwise be expensive to deal with.

If you run a business from your rental, let your insurance broker know. Standard tenant insurance may have limitations around business equipment, inventory or business-related liability. Additional coverage may be available depending on your situation.