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Tenants Insurance

Even if you don't own a home and don't need regular home insurance, you still need to protect your personal possessions. You may also be held responsible for damages caused to the dwelling in which you currently reside. Apartment and building tenants will need tenant insurance. 

Tenant insurance will cover your dwelling's contents, any upgrades you've made, and your personal belongings.

It's also important to know Tenants and Renters are interchangeable terms. The general consumer typical use the word renters but in the insurance industry, we use the word Tenant, meaning a person who occupies land or property rented from a landlord.

Why Do You Need Tenants Insurance?


Tenant insurance keeps you protected against the worst-case scenarios. As a tenant you will be responsible if your actions are deemed to have caused damage to:

  • Your apartment
  • Your neighbours' apartments
  • The apartment building
  • Any element of the property

The owner of the property you're renting almost certainly has insurance on the building itself. They may also have insurance coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need insurance coverage too. Here are two key reasons:

  • Your landlord's insurance will not cover your personal belongings. Your furniture, jewelry, artwork, entertainment equipment and other valuable belongings will not be protected.
  • You may not be protected against personal liability should you accidentally damage a neighbour's property or should someone be injured while visiting your home.

Rhodes & Williams is your choice for competitively priced tenants insurance coverage. We've been around since 1935, and our insurance brokers will find you the best tenants insurance based on your unique needs. We offer advice and sound insurance coverage for whatever you need.

Request a Tenants quote now or contact a Rhodes & Williams Insurance Broker. We'd be happy to answer any questions you may have about tenant insurance. We'll work with you to find the best insurance coverage, so you can enjoy the peace of mind that comes with knowing you're completely protected.



I wanted to send a quick note to let you know what a pleasure it has been to deal with Heather Bonadie. She has been assisting me and my wife over the last few days with auto insurance for a new car. She has been very responsive, informative, efficient and, most importantly, professional and friendly. I work in the professional services sector too and really appreciate someone as talented as she is. A great asset for your team!

Phil Cartwright

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