Renters Insurance

Exclusions to Your Ontario Renters Insurance Policy

Renters insurance covers your personal belongings in case they’re stolen, damaged or lost. There are exclusions to your renters insurance coverage, though. While you don’t want the exclusions to keep you from buying a policy, do know the facts as you ensure you have the coverage you need. Excluded Items Nearly all the items you own are covered by your insurance policy if they’re lost, damaged or stolen. However, valuables like jewelry, antiques and furs may require a rider or endorsement. Likewise, any items you use for business purposes may not be covered by your renters insurance policy because it’s typically reserved for personal not commercial property. Excluded Events Certain events are also covered, including fire, smoke, lightning, hail, some water damage, certain types of wind storms, explosions, riots, broken glass, falling objects and more. You’ll need to read the…read more →

5 Overlooked Facts about Renter’s Insurance

Many assume that renter’s insurance is an optional luxury, but in reality the opposite is true. These five facts reveal why it’s important to have renter’s insurance and what you can do to get the most from this type of policy. Renter’s insurance protects you from many risks much like homeowner’s insurance. Contrary to popular belief, your landlord won’t reimburse you if your belongings are taken by theft or natural disaster. Renter’s insurance does, and its ‘Liability’ portion covers you for accidents and injuries that happen at your residence, such as dog bites. Make a complete inventory of your belongings to determine the right coverage amount. With this in mind, be sure you are as accurate as possible. Then, place all inventory records in a fireproof/flood-proof safe. Some high-end items like jewelry, fine art, and furs need to be covered separately…read more →

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