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Tenants
Tenants

why do I need tenant Insurance?

Good question! The owner insures the building and you are paying your rent. What are the risks you want to cover? Although you are paying rent, you are still responsible for your contents (furniture and household items) in the event of a loss in fire or theft etc.
In a building you are liable for the damage to the building, injury, death or property damage of others if you are found legally responsible for causing the fire. In the event of a law suit, even the defense costs alone could run into the thousands.

Where will you live while your apartment is being repaired after a fire?

  • Can you afford not to cover these risks?
  • What does Tenant Insurance cover?

Contents:

This covers your furniture and household stuff. There are special limits for jewelry, furs, cash etc.

Additional Living Expenses:

This provides coverage for any additional expense like living in a hotel or renting another apartment while your apartment is being repaired or rebuilt after a covered loss.

Liability:

This coverage protects if others sue you for damage or losses (property damage, injury, death) they suffer on your property for which you are legally responsible. Your insurance company will pay for your legal defense costs and pay others up to your liability coverage limit if you are found legally responsible.

For example, you have a fire and someone in the building gets injured, killed or you damage the building and other property. The other person or his/her family could sue you for property damage, injury or death.

Your landlord's insurance company could sue you to recover the damage to the building.

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