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Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
This allows for the protection of your “claims free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation
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Our Reviews
I had an excellent experience setting up the insurance for my first car with Ashley at Surex. She was fast, professional, and incredibly helpful every step of the way. Ashley made the process smooth and stress-free, answered all my questions promptly and found me a great price. Highly recommend her for anyone looking for outstanding and reliable insurance service!!!!
I have nothing but exceptional service from Ashley Bushfield at Surex, quickly responds and takes cares of anything I need for my insurance needs… prices are amazing too… thanks for everything you do!! Highly recommended!!
Mostly great help but I feel when your contract wasn’t renewed for car insurance contacting your customers by email should have at least should got a phone call to their customers when the email wasn’t acknowledged by customer for whatever reasons… but something as important as having no insurance should have required a phone call by the company and the broker should have an alternative option for it’s customers
I had a great experience with Ashley at Surex. She was able to get me insured the same day and sent over my policy right away. The process was quick, and smooth. I’m very happy with the quality of her work and the service, I’d definitely recommend Ashley and Surex to anyone in Ontario looking for reliable insurance.
Newfoundland tenant insurance rates vs. other provinces
Province |
Average Rates |
|---|---|
Newfoundland & Labrador |
$399 |
Alberta |
$466 |
British Columbia |
$397 |
Manitoba |
$503 |
New Brunswick |
$500 |
Nova Scotia |
$423 |
Northwest Territories |
$416 |
Nunavut |
$402 |
Ontario |
$478 |
Prince Edward Island |
$385 |
Saskatchewan |
$410 |
Yukon |
$370 |
See how our customers save big on tenant insurance
Customer |
City |
Type |
Average Quote |
Purchased Quote |
Savings |
|---|---|---|---|---|---|
Mark Von |
St. John's |
Tenant |
$639.00 |
$485.00 |
$154.00 |
Chantel |
St. John's |
Tenant |
$850.00 |
$668.00 |
$182.00 |
Luke |
Channel-Port-Aux-Basques |
Tenant |
$801.00 |
$682.00 |
$119.00 |
Tenant Insurance in Newfoundland
Tenant insurance in Newfoundland (also called renters’ insurance) is meant for people who rent the place where they live, whether home, condo, or apartment. It provides coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter. You want to be covered in case something happens to your home or your belongings.
Tenant insurance is not mandatory at the provincial level, however, it is highly recommended to protect your personal belongings and have peace of mind.
Also, many property managers won’t lease their units without tenant insurance coverage. Renters in Newfoundland can expect to get a personal insurance policy quote as part of renting.
The following things are generally covered by the best tenant insurance Alberta:
- Contents
If your belongings are damaged or stolen while in your rental property, tenant's insurance in Alberta will help cover the cost of replacement or repair.
This is among the most important aspects of tenant's insurance since most people don’t have the money to replace thousands of dollars in lost items out-of-pocket.
- Liability
If an accident on your property causes financial harm to a third party, tenant’s insurance with personal liability coverage can help cover lawsuit and settlement costs.
For example, if a guest slips, falls, and injures themselves on a wet floor in an apartment you’re renting, your insurance policy will shield you from the financial fallout of a potential lawsuit.
- Relocation cost reimbursement
If the property you’re renting is rendered uninhabitable, tenant insurance will help shoulder the costs of relocating, and your living expenses.
For example, if you’re forced to stay at a hotel for a few weeks because your rental apartment flooded, tenant insurance may help with your hotel bill along with the cost of purchasing meals and other living expenses.
Tenant insurance in Alberta typically won’t cover replacement costs above a certain amount for extraordinarily expensive items (i.e. jewelry). To make sure you’re covered for the items that matter most to you, it’s important that you read the policy thoroughly. The best insurance broker can help you find the exact policy you need.
Depends on where you reside, the value of your total contents, your liability limits. For instance, for the best tenant insurance in Vancouver, policies normally start at $300/yr and increase as the content values and liability limits increase. That being said, the price of your tenant insurance will also depend on who provides your coverage. This is why you should always compare insurance companies with a reputable insurance brokerage, like Surex.
The cheapest tenant insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. For example, some insurance companies might weigh your age more heavily than others. This is why it’s a good idea to compare insurance companies with Surex. The cheapest online insurance provider isn’t always evident.
Any Personal Lines insurance provider can offer a tenant insurance policy. If you contact the best insurance broker channel they can provide you with more than just one option, so you find the best tenant insurance in Vancouver or anywhere else in NFLD.
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.
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 the best tenant insurance Alberta has to offer will do that for renters.
The law does permit landlords to include an insurance policy as a lease requirement. Many landlords do so as a tenant’s policy serves to reduce their overall risk.
You’ll need to provide basic information about yourself and the property you’re renting if you want to get insurance online over over the phone, including:
- The address
- The cumulative value of your personal property
- Who else will be occupying the rental property (you want to make sure that all renters are covered under their own policies.
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Surex insurance tips & advice
Tenant-landlord disputes often arise from unclear responsibilities. Knowing provincial laws, lease terms, and insurance roles helps avoid conflicts and resolve issues smoothly when problems occur.
Before moving out, know your legal notice obligations. This guide covers Ontario’s rules, tenant responsibilities, and tips for a hassle-free rental move.
Parents can protect college-bound children living away from home by investing in reliable student rental insurance for financial security and peace of mind.
