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Home > Renters Insurance - Moose Jaw, Regina, SK

Renters Insurance


Renters Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Renters Insurance Quote Form

Renters Insurance Information

Renters insurance, also known as tenants insurance, can help you protect your belongings and liabilities if you call a rented house, condo or apartment your home. At its core, renters insurance helps protect against both property loss and liability if you or another covered individual causes injury or property damage, or a guest gets hurt while visiting your home. To learn more about tenants insurance or to get a quote, call Heritage Insurance at 306-693-7640 today.  


What Does Renters Insurance Cover? 


The full scope of your renters insurance policy will vary depending on the specific policy you purchase. Most tenants insurance policies provide property and liability coverages.  

  • Property protection. Unlike homeowners insurance, which provides property protection for your dwelling and belongings, renters insurance typically only covers your belongings. Tenants insurance helps cover your possessions against damage from fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also can extend beyond on-premise theft and hazards, depending on your policy, covering property stolen from your car or lost or damaged anywhere you happen to be.

  • Liability protection. Renters insurance also helps protect you if you are responsible for injury or property damage to others. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence or elsewhere.


You may be able to secure additional coverages for your items. Be sure to talk to a Heritage Insurance team member to learn more.  


What About My Landlord’s Insurance Policy? 



Your landlord’s insurance policy likely includes coverage for the dwelling or building itself, but their coverage generally does not protect your belongings. For example, if there were a fire, your landlord’s policy would cover the costs of building repairs but not the replacement cost for your belongings.  


How Much Renters Insurance Do Apartments Require? 


No Canadian law currently requires tenants to purchase renters insurance. However, it is legal for a landlord to require you to have renters insurance as part of your lease agreement, and they can even require you to show proof of a policy before you can move in. 


Your landlord’s homeowners insurance won’t cover your personal belongings if they’re damaged or destroyed in a fire or another event. In addition, your landlord’s policy won’t protect you if your running water causes a flood that damages your neighbor’s apartment—and they decide to sue you. We can help you get a suitable amount of renters insurance to give you peace of mind and financially protect your belongings.



Is Renters Insurance Expensive? 


In general, tenants insurance is relatively affordable. Your policy premium may be influenced by the value of your belongings, your credit score, your location and your claims history, among other factors. Talk to a Heritage Insurance team member to get a policy quote today.  


Contact Us Today 


If you’re in need of a renters insurance policy, don’t wait any longer to get covered. Call us at 306-693-7640 to learn more about available tenants insurance options.  

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