Compare and purchase the best
tenant insurance rates
in Halifax.
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
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Receive a tenant insurance quote for your quaint Halifax abode + connect with your own dedicated Insurance Advisor who can help you choose the best tenant insurance in Halifax. Surex is here to help you save as much as possible on your insurance, while still making sure you have great coverage. Choosing to live in Halifax is choosing a lifestyle, one that not so fast-paced and hectic as more major cities are.
Halifax is home to just over 400,000 people and is located on the east coast of Canada, in the Maritime province of Nova Scotia, and is one of the smallest Canadian provinces. People flock to Nova Scotia for its beauty, from the ocean-backed views of Peggy’s Cove Lighthouse, to the gorgeous landscape of the Cape Breton Highlands, Nova Scotia has an abundance of lakes and provincial parks, attracting many nature lovers. Although it's a much smaller place to live, you can still find many restaurants, bars and pubs to enjoy, with many of the establishments keeping that Celtic feel!
No matter where you live in Halifax if you’re renting a house, apartment, condo, or basement, you’ll want to have tenant/renters insurance to make sure you are covered for all the things that matter most. This type of insurance is recommended for protecting all your things that your landlord’s building and property insurance do not cover. Tenant insurance also provides you with protection against liability. We know this is a lot to know and understand, that's why Surex gives you a Dedicated Insurance Advisor to help you along the way.
What's the Scoop on Tenant Insurance in Halifax?
Receive tenant insurance quotes in Halifax and connect with a live broker who can help you choose the best tenant insurance in Halifax. Surex will help you save, no matter what type of property you’re renting.
A licensed insurance advisor can offer tenant insurance in Halifax. If you contact the broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
Renters insurance in Halifax is meant for people who rent the place where they live, whether home, condo or apartment. It provides the best insurance coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Renters insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter.
No, renters insurance is not mandatory at the provincial level. However, many property managers won’t lease their units without renters insurance coverage in place.
Renters insurance generally covers three main things.
Contents
If your belongings are damaged or stolen while in your rental property, renters insurance in Halifax will help cover the cost of replacement or repair.
This is among the most important aspects of renters insurance since most people don’t have the money to replace thousands of dollars in lost items out-of-pocket.
Liability
If an accident on your property causes financial harm to a third party, tenant’s insurance with personal liability coverage can help cover lawsuit and settlement costs.
For example, if a guest slips, falls, and injures themselves on a wet floor in an apartment you’re renting, renters insurance will shield you from the financial fallout of a potential lawsuit.
Relocation cost reimbursement
If the property you’re renting is rendered uninhabitable, renters insurance will help shoulder the costs of relocating.
For example, if you’re forced to stay at a hotel for a few weeks because your rental apartment flooded, renters insurance may help with your hotel bill along with the cost of purchasing meals.
Tenant insurance in Halifax typically won’t cover replacement costs above a certain amount for extraordinarily expensive items (i.e. jewelry). To make sure you’re covered for the items that matter most to you, it’s important that you read the policy thoroughly. Your Surex insurance broker can help you find the exact policy you need.
This depends on where you reside, the value of your total contents, your liability limits. Policies normally start at $300/yr and increase as the content values and liability limits increase.
The cheapest renters insurance provider depends on how your situation fits into the formula insurance companies create to evaluate policyholders. For example, one insurer might weigh your age more heavily than another. This is why it’s a good idea to compare insurance companies and online insurance quotes with the best insurance broker in Halifax. The cheapest renters insurance provider isn’t always evident.
Renters insurance in Halifax typically renews automatically each year. You’ll receive new policy documents detailing any changes to your premium and confirming your coverage. Keep in mind that you do have the option to switch policies before your existing one renews.
Renters insurance is rated based on the type of unit you rent, the number of tenants in the unit, value of your contents, physical location of the unit, prior tenant or home claims in the past under your name.
No. If you rent the unit you live in you only require renters insurance which is often more affordable than home insurance. You want to be properly insured, and renters insurance will do that for renters.
You can contact your assigned broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.
The best tenant insurance in Halifax generally hovers around the $20 to $30 range. Since there’s no minimum coverage requirement, you can get insurance online at a lower rate by purchasing only the coverage you need.
The law does permit landlords to include renters insurance coverage as a lease requirement. Many landlords in Halifax do so as a tenant’s insurance policy serves to reduce their overall risk.
You’ll need to provide basic information about yourself and the property you’re renting, including:
- The address
- Your belongings’ cumulative value
- Who else will be occupying the rental property
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What is typically covered under tenant insurance?
- Repair or Replacement of Contents
Tenant insurance typically covers repairing or replacing a renter’s possessions in the event of theft or damage. - Relocation Costs
If a rental property is rendered uninhabitable, tenant insurance can cover the costs of relocating, food etc. - Liability Coverage
Protects a tenant financially if someone else faces damages in relation to the rental property.
What is the difference between tenant & renter’s insurance?
There is no difference. These policies provide coverage against damage to or loss of your belongings while you are inhabiting a rented dwelling.
Does my landlord’s insurance policy cover me?
Your landlord’s insurance policy will not cover your contents or belongings. It only protects their items as the policyholder. If you want coverage for your belongings, you’ll need tenant insurance.
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