Coverage Highlights / Key Features
For detached dwellings
- Property Protection: Covers the physical structure of your dwelling against fire, water, vandalism, or weather-related damage.
- Landlord’s personal properties such as appliances
- Landlord Liability: Protects you if a tenant or visitor is injured on your property and you’re held responsible.
- Rental Income Protection: Reimburses lost rental income if your property becomes uninhabitable due to a covered loss.
- Optional Add-ons: Covers sewer backup, flood and earthquake risks.
For condos
- Personal Belongings: Protects appliances and furniture if rented furnished
- Liability Coverage: Safeguards you if someone is injured in your unit or if you cause accidental damage to others’ properties.
- Unit Protection: Covers your condo unit’s interior and renovations not covered by the condo corporation’s master policy.
- Strata Deductible Coverage: Helps cover your share of strata policy deductibles.
- Additional Coverage Options: Sewer backup, overland water, and earthquake coverage can be added for enhanced protection.
- Rental Income Protection: Reimburses lost rental income if your property becomes uninhabitable due to a covered loss.
Why It Matters / Benefits
Your rental property is both an investment and a source of income. Landlord’s insurance ensures that unexpected events — like fire or tenant accidents — don’t create financial setbacks. It safeguards your asset, income, and peace of mind.
Who It’s For
- Property owners renting out single-family homes, condos, or multi-unit buildings
- Real estate investors seeking reliable income protection
- Landlords who provide furnished rental units