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Type of Coverage We Provide
Landlord insurance
Landlord insurance protects rental property and real estate owners from unforeseen losses related to their properties. It is similar to traditional home insurance in many respects, as most policies include the following types of coverage: property coverage, landlord belongings, liability, and loss of rental income.
Homeowners insurance is meant to protect properties that policyholders live in, whereas landlord insurance protects a property that is rented out by tenants. Landlord insurance protects the property owner's belongings and other aspects of the property listed on the policy. It does not cover or protect tenants' belongings.
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Landlord Insurance FAQs
Landlord insurance protects your rental property in the event of damage or loss; covering property and real estate owners from financial losses at their rental properties. Landlord insurance usually includes coverage for the building, contents that you own on the property, liability arising from ownership, and loss of rental income.
There is no coverage for rental properties under your home insurance policy. Even if you have a rental unit in your home (i.e. basement or garage) you still need to inform your insurance provider and purchase separate coverage.
No, landlord insurance is not mandatory in Canada. It is, however, required by lenders that a policy be in place before a mortgage is issued. No one will lend you money unless the property has insurance.
Landlord insurance provides protection for your building, items used to maintain the property and liability coverage. It also includes legal fees if you face a lawsuit.
Standard landlord insurance coverage:
- Property coverage
- Landlord’s belongings
- Liability coverage
- Loss of rental income
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