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Tenant Insurance BC

Surex helps British Columbians find the best rates on tenant insurance. No matter what type of property you’re renting, we’ll find you a reasonably-priced policy offering the coverage you need.

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Tenant Insurance In BC - What Do You Need to Know?

Any Personal Lines insurance provider can offer a tenant insurance policy.  If you contact the broker channel they can provide you with more than just one option, so you can see comparables in price and coverage!

In BC, tenant insurance (also known as renters’ insurance) protects you against common risks not covered by your landlord’s home insurance policy.

For example, tenant insurance may be your only source of relief in the event that a fire or flood destroys your belongings on a rental property.

The provincial government doesn’t mandate tenant insurance. However, many landlords make tenant insurance a mandatory lease requirement, making it effectively required throughout much of British Columbia.

Most tenant insurance policies in BC provide coverage for three main types of perils.

  1. Contents

If your belongings are damaged due to an incident on your rental property, tenant insurance may help with repair or replacement costs.

  1. Tenant Liability Insurance in BC

Another popular type of tenant insurance coverage in BC reduces your personal liability in the event that a third party sustains losses as a result of your actions.

For example, if you don’t clear snow from your steps and a guest slips, tenant liability insurance can save you from bearing the brunt of costs related to a lawsuit and settlement.

  1. Relocation costs

If an incident renders your rental home uninhabitable, tenant insurance can help you pay for the costs of relocating. That may include the cost of staying in a hotel for a few nights and purchasing meals you would have otherwise cooked at home.

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Frequently Asked Questions About Tenant Insurance in BC

There is no difference between tenant and renter’s insurance. Both terms are used to describe the same type of insurance policy.

Content insurance is a benefit provided by most tenant insurance policies. It covers the cost of repairing or replacing stolen or damaged items.

Your landlord’s insurance policy will not cover your contents or belongings. It only protects their items as the policyholder. If you want coverage for your belongings, you’ll need tenant insurance.

Depends on where you reside, the value of your total contents, your liability limits.  Policies normally start at $300/yr and increase as the content values and liability limits increase.

Any Personal Lines insurance provider can offer a tenant insurance policy.  If you contact the broker channel they can provide you with more than just one option, so you can see comparables in price and coverage!

Tenant insurance is rated based on the type of unit you rent, number of tenants in the unit, value of your contents, physical location of the unit, prior tenant or home claims in the past under your name.

It does not cover damage to the unit you are renting. 

Extraordinarily expensive items may also not be covered past a certain amount (often $5,000). For example, if you have a collectible watch worth $10,000, you may need to purchase supplemental insurance for the item as your tenant insurance policy won’t cover the entire cost of replacement.

No. If you rent the unit you live in you only require tenant insurance which is often more affordable than home insurance. You want to be properly insured, and tenant insurance will do that for renters.

You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.

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