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Get an Online Quote for Renters Insurance
InsureBC has partnered with Clover Residential to provide you with a seamless insurance experience. Whether you’re a new or current renter in Victoria, Tenant Insurance is essential. It protects your belongings, covers personal liability, and even handles additional living expenses.
For a limited time, Clover residents can save $20 on Renters Insurance. Enjoy peace of mind and make the most of your time in Victoria with top-notch coverage and savings!
Tenants and Renters Insurance in BC
Tenant Insurance, commonly known as renters insurance, is designed for individuals renting their homes, whether it's a house, condo, apartment, or basement suite. This affordable policy protects your personal belongings and personal liability. While your landlord insures the building, their coverage does not extend to your personal property or liability. That’s where a BC tenant insurance policy comes in handy. Many landlords require tenants to hold a tenant insurance policy as part of the lease agreement, ensuring protection against potential risks.
Similar to condo insurance, tenant insurance is affordable and easy to purchase. We have partnered with one of Canada’s leading insurance companies to offer the convenience of buying renters insurance online. In just minutes, you can get renters insurance on Vancouver Island, or throughout the rest of the province using our online tool. Our system provides tenant insurance quotes and allows you to purchase the coverage that best suits your needs from the comfort of your home.
Renters insurance is available at a relatively low cost. Before discussing the insurance rates, let’s explore the coverage options offered by Canada’s largest insurance companies.
Policy Overview
Personal Belongings
Unfortunately, accidents are a part of life, but if you are somewhat prepared for them, they do not necessarily have to be devastating. For example, if a fire or flood damages your unit, would you have enough money to replace all of your possessions? Now may be a good time to make a list of your belongings to help you determine the amount of contents coverage you require to ensure you are adequately protected.
Liability
Whether you rent a house, condo, apartment, or basement suite, tenant insurance coverage ensures you are legally protected for anything that happens to someone else while on your premises. If you have unsafe conditions in your living area, you are responsible if someone hurts themselves. If the injury is serious enough, you could end up having to pay for damages as a result of a court case.
Additional Living Expenses
If you need to temporarily relocate while your unit is being repaired after a covered loss, this part of the policy will cover additional costs necessary to sustain your lifestyle. Often, these hidden expenses can be among the most significant and crucial aspects of an insurance policy. Such costs can continue for months, making adequate coverage extremely important. For instance, if a major fire forces you out of your home and you have to stay in a hotel for three months, the combined costs of lodging, meals, and storage can become substantial. Having comprehensive coverage ensures you’re not financially burdened during this challenging time.
Customer Testimonials
At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.
Just purchased renters insurance online from InsureBC. Great experience, it was easy peasy! They also followed up by email quickly after my purchase. Keep up the great work InsureBC!
The staff here is amazing! I was in a time crunch and needed an insurance agent on very short notice. They showed great professionalism and customer service!
My agent was very nice and explained everything in a clear and concise manner. Saved me money too. Definitely would recommend!
Great service and very informative. They had my best interest in mind at all times
Optional Add-ons and Customizations
Earthquake
Earthquake coverage can be added to your tenant insurance policy to protect your personal belongings from earthquake damage. This additional coverage helps with the cost of replacing or repairing personal property that may be damaged due to an earthquake. It ensures that your valuables are safeguarded, offering financial support in the event of such a natural disaster and helping you recover more smoothly.
Water Protection
This coverage provides broader water damage protection for loss or damage caused by sewer backup, an overflowing appliance or overland flood from surface water or ground water. This coverage may not be available to all BC residents.
Other Customizations
In addition to various add-ons, our online tenant insurance policy allows you to refine and tailor your coverage to meet your specific needs. You can customize coverage limits, schedule personal property, and more to ensure your insurance fits perfectly with your requirements.
