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Tenant? Yes, you still need to have home insurance!

Tenant? Yes, you still need to have home insurance!

Tenant? Yes, you still need to have home insurance!

Did you know that, among all Quebec tenants, only a quarter of them purchase a occupant-tenant home policy?

The building’s insurance does not cover everything

Most people think that they’ll be covered by their owner’s insurance if, for example, a fire occurs. In fact,  not only will you not be covered for your contents lost in the fire,  if you are deemed responsible for causing the fire, you could be sued by other tenants or by the owner himself.

Same thing in case you forget to turn off the tap and this causes water damage to the apartment below. You will have to personally bear the costs if you do not have tenant insurance.

Protect your personal property

If you are among those who believe that they do not have enough valuables to purchase insurance, we invite you to make a list of your personal property. You might be surprised at how much the cost of replacing these exceeds your savings.

In the case of a student who is deemed a full-time student and who temporarily resides outside their parents ‘home, yes, the parents’ home insurance contract protects them.

However, as soon as the two conditions are no longer met (full-time studies and temporarily outside the family home), the parents’ insurance no longer covers the student.


Jackie Beaudoin, Leclerc Insurance and Financial Services
Source :  Chambre de l’assurance de dommages