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WHY OPTING FOR TENANT INSURANCE IS CRUCIAL

Tenant insurance, or renter's insurance, is essential for protecting your personal items and financial security. Many renters believe their landlord's insurance covers their belongings, but it only covers the building. Tenant insurance policies protect against risks like theft, fire, and water damage, and include additional living expenses if your rental unit becomes uninhabitable. This coverage ensures you are safeguarded against unexpected events and provides peace of mind.


Protect Yourself with OVC Assurance

At OVC Assurance, our expert advisors help you find customized tenant insurance policies that fit your needs and budget. We offer comprehensive coverage, including liability protection, property damage, and optional coverages like identity theft and bike protection. Get the best price and maximum savings with our tailored solutions. Contact us for a quote today!


A TENANT INSURANCE COVERAGE

With tenant insurance from OVC Assurance, you get comprehensive protection for your rental unit. Our insurance policies cover various risks, including theft, water damage, and accidental damage. We offer customizable coverage limits and deductible options to fit your needs and budget.



Liability Insurance

Liability coverage is essential for protecting against property damage and bodily injury claims. If you cause damage to the building or injury to others, our policies cover the legal costs and personal liability.

Coverage for Personal Property

Tenant insurance safeguards your personal property, covering replacement costs for items like furniture and electronics. In case of theft or water damage, you can rest easy knowing your belongings are protected.

Additional Living Expenses

In the event your rental unit becomes uninhabitable, our insurance covers additional living expenses, ensuring you maintain your quality of life without extra costs. This includes temporary accommodation and other necessary expenses.

Secure the Ideal Tenant Insurance with Our Expert Brokers

CHOOSING THE RIGHT TENANT INSURANCE POLICY

Selecting the right tenant insurance policy is crucial for optimal protection. At OVC Assurance, our expert advisors guide you through various insurance options tailored to your needs.



Insurance Coverage

It’s essential to have coverage that protects your personal property, liability, and additional living expenses. Our policies offer protection against risks like theft, water damage, and accidental damage. With the right coverage, you can ensure your possessions and liability are well protected.

Deductible

The deductible is the amount you pay out-of-pocket before your insurance begins to cover a claim. Higher deductibles can lower your insurance premiums but increase out-of-pocket costs during a claim. Our brokers help find the balance between affordable deductibles and reasonable premiums.

Prices and Savings Opportunities

The cost of tenant insurance depends on factors like coverage type, deductible, and location. We offer competitive policies with opportunities for savings, such as multi-policy discounts (combining home and auto insurance) and discounts for good claims history. Our aim is to provide comprehensive protection at an affordable price.

Learn More About Tenant Insurance

Home insurance for tenants - what is it?

Home insurance for tenants - what is it?

Renter's home insurance, also known as renter's apartment insurance or renter's home insurance, is designed to protect tenants' personal property and provide liability coverage. It covers accidental damage, claims such as fire, water damage and theft. It gives you peace of mind in the knowledge that your personal property and your liability to others are protected.

How Much Does Tenant Insurance Cost?

How Much Does Tenant Insurance Cost?

The cost of tenant insurance depends on factors such as the value of your personal property, the location of your rental unit, and the type of coverage you select. At OVC Assurance, we provide competitive insurance quotes and affordable premiums, ensuring you get comprehensive protection for your belongings without incurring high costs.

Is Tenant Insurance Mandatory in Quebec?

Is Tenant Insurance Mandatory in Quebec?

While tenant insurance is not legally required in Quebec, many landlords include it in rental agreements to cover accidental damage and liability risks. Having tenant insurance from OVC Assurance ensures you meet these requirements and provides peace of mind against unexpected risks and costs.

What Does Tenant Insurance Cover?

What Does Tenant Insurance Cover?

Tenant insurance covers various types of damage, offering financial protection and peace of mind. Key coverages include:

  • Water Damage: Coverage for water infiltration and sewer backup.
  • Fire: Protection for personal property in case of fire damage.
  • Theft and Vandalism: Coverage for stolen or vandalized items.
  • Earthquake: Protection against earthquake-related damage.
  • Third-Party Liability: Coverage for injury or property damage to others, including legal costs and medical expenses.

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