You are a tenant and wondering why you should get insurance since your landlord is already insured?
Well, in this case, your landlord’s insurance only covers the building. Now, a Tenant Insurance covers your personal property, your living expenses, but most of all your civil liability.
Just think about everything you would have to buy again in case of a burglary or a fire: furniture, appliances, electric and electronic equipment, clothes for all seasons, dishes, and jewellery and valuables.
And even if you are responsible, clumsiness happens! Tenant Insurance also covers your civil liability.
Civil Liability coverage covers property damage and bodily injury the insured has caused by accident to a third party: a gulf ball going the wrong way; an object dropped from the balcony; an innocent gesture having serious repercussions – all good reasons to protect yourself against a civil lawsuit. Without insurance, you will have to dig into your savings – do you have several thousand dollars set aside just in case?
Living expenses coverage cover temporary accommodation expenses if your home suffers a covered loss and becomes uninhabitable.
Get insured with the help of our brokers at Lussier Dale Parizeau over the phone or get an online quote.
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