Tenant Insurance

Protects against unplanned weekend visitors.

Product Info

Pickering Renter’s Insurance

Your landlord might have insurance that protects the building in which you reside, however, it’s important to know, this insurance won’t cover your personal property.  Typically, a landlord will require renters to have insurance as a rental condition in the lease. 

If you cause damage to any part of your building, as a renter, you are legally responsible for any unintentional harm caused to the property. If you accidentally start a fire, whether it’s from a faulty appliance or from an unattended candle, which results in damage not only your apartment but the entire complex, you may have to pay for the damage to your unit and the rest of the complex.  If your clothing, furniture or electronics are destroyed by fire or water damage, replacement costs, especially having to replace them all at once, will add up quickly.   Not only will Pickering renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property.

Once you determine your need for renters insurance, we can provide you with options to help you choose the best policy - get covered today!

Renter’s Insurance 101

Most policies will provide coverage for small appliances, electronic goods, sports equipment, cameras and photography equipment, furniture, clothing, glassware, china and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection.  You can purchase renter’s insurance for as little as $20/month!

Whether you live in Pickering, Ajax or anywhere in the Durham region, we can tailor a renter’s insurance policy that’s right for you, get a quote today!  A First Durham Insurance expert will provide you with the best possible quote in no time.

Shared Living Space – It’s Not All About You

You could be liable if you accidentally cause damage to other units, think of a forgotten water tap left running that causes water damage, or a stove that wasn’t turned off that caused a fire. The building owner could charge you for the cost of the damages, without insurance it would come out of your pocket.

Product Info

Pickering Renter’s Insurance

Pickering Renter’s Insurance

Your landlord might have insurance that protects the building in which you reside, however, it’s important to know, this insurance won’t cover your personal property.  Typically, a landlord will require renters to have insurance as a rental condition in the lease. 

If you cause damage to any part of your building, as a renter, you are legally responsible for any unintentional harm caused to the property. If you accidentally start a fire, whether it’s from a faulty appliance or from an unattended candle, which results in damage not only your apartment but the entire complex, you may have to pay for the damage to your unit and the rest of the complex.  If your clothing, furniture or electronics are destroyed by fire or water damage, replacement costs, especially having to replace them all at once, will add up quickly.   Not only will Pickering renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property.

Once you determine your need for renters insurance, we can provide you with options to help you choose the best policy - get covered today!

Renters Insurance 101

Renter’s Insurance 101

Most policies will provide coverage for small appliances, electronic goods, sports equipment, cameras and photography equipment, furniture, clothing, glassware, china and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection.  You can purchase renter’s insurance for as little as $20/month!

Whether you live in Pickering, Ajax or anywhere in the Durham region, we can tailor a renter’s insurance policy that’s right for you, get a quote today!  A First Durham Insurance expert will provide you with the best possible quote in no time.

Shared Living Space

Shared Living Space – It’s Not All About You

You could be liable if you accidentally cause damage to other units, think of a forgotten water tap left running that causes water damage, or a stove that wasn’t turned off that caused a fire. The building owner could charge you for the cost of the damages, without insurance it would come out of your pocket.

Discounts

Maximize Discounts

All insurance companies offer discounts, but did you know that these discounts can be bundled to reduce your premium by up to 50%!  There’s more to discounts that bundling auto and home policies. All insurance companies offer different bundles depending on the clients they want, determining who may be the right fit for you might require looking at a few options.  That’s where we come in.  Taking just a few moments to speak with one of our licensed experts can save you a lot of time and perhaps a lot of money.  Call or click to get a quote. 

Customized Protection

Water Coverage

Is it safe to assume that your landlord will pay for water damage to your rented space?   Determining who is liable for property water damage can be difficult, as it depends on the exact cause of damage.  If the water damage occurred because your toilet overflowed or a pipe in your kitchen burst, the claim will go through your renter’s insurance policy.  However, water damage that originated from an adjoining unit, whether it was due to a leaky roof or a neighbor's overflowing washing machine, the situation can be problematic.  Did you know that almost $0.70 cents of every $1 paid out in claims goes toward paying for water damage?  Ask yourself, has my insurance company clearly explained my water coverage to me? If not, maybe it’s time to find a new provider.  Call or click to get a quote. 

Perfect Fit

As you grow professionally so do the assets in your home, unless you have made some sort of change to your policy, it is likely that you still have that same basic coverage.  When you initially purchased your condo, you probably only required basic coverage for property insurance.  Admittedly, most insurance companies do basic very well.  Outlining what you need in 200 words on a website would be impossible because what you require is so individual to you. Taking a few moments to connect with one of our experts can ensure that you have policy tailored to your needs at a price you can afford.  Call or click to get a quote. 

As Your Life Evolves, So Should Your Coverage

Life’s a journey and lets face it overtime priorities change. Whether you decide to purchase a home or you purchase additional contents, you know that each of these likely requires some attention as to the type of coverage you purchase.  The question is, has your coverage kept up?  Has your carrier checked in with you to make sure that your policy has evolved with your journey?   If not, maybe it’s time to give us a call and see how we can put something in place that will grow with you throughout your life’s journey.

Have a Claim, Who’s In Your Corner?

Buying a policy is the easy part, but choosing who to deal with should take a little more thought.  Let’s face it, you’re too busy to become an expert, and that’s where we come in. As an insurance broker, we work for you, not for an insurance company.   We take the time up front to know you and what it is you need.  From there, we arrange the right coverage for you striking a balance between coverage and cost.  In the event of a claim, because we work for you, we are there in your corner, making sure the insurance company is delivering on the promise they made to you.  In the event your claim gets complicated, we have a broad network of well-respected specialists in the Claims, Legal, and Engineering fields ready to help support your claim through the entire process, maximizing your recovery. Call us or get a quote today!

Customized Protection

Water Coverage

Water Coverage

Is it safe to assume that your landlord will pay for water damage to your rented space?   Determining who is liable for property water damage can be difficult, as it depends on the exact cause of damage.  If the water damage occurred because your toilet overflowed or a pipe in your kitchen burst, the claim will go through your renter’s insurance policy.  However, water damage that originated from an adjoining unit, whether it was due to a leaky roof or a neighbor's overflowing washing machine, the situation can be problematic.  Did you know that almost $0.70 cents of every $1 paid out in claims goes toward paying for water damage?  Ask yourself, has my insurance company clearly explained my water coverage to me? If not, maybe it’s time to find a new provider.  Call or click to get a quote. 

Perfect Fit

Perfect Fit

As you grow professionally so do the assets in your home, unless you have made some sort of change to your policy, it is likely that you still have that same basic coverage.  When you initially purchased your condo, you probably only required basic coverage for property insurance.  Admittedly, most insurance companies do basic very well.  Outlining what you need in 200 words on a website would be impossible because what you require is so individual to you. Taking a few moments to connect with one of our experts can ensure that you have policy tailored to your needs at a price you can afford.  Call or click to get a quote. 

Life Evolves

As Your Life Evolves, So Should Your Coverage

Life’s a journey and lets face it overtime priorities change. Whether you decide to purchase a home or you purchase additional contents, you know that each of these likely requires some attention as to the type of coverage you purchase.  The question is, has your coverage kept up?  Has your carrier checked in with you to make sure that your policy has evolved with your journey?   If not, maybe it’s time to give us a call and see how we can put something in place that will grow with you throughout your life’s journey.

In Your Corner

Have a Claim, Who’s In Your Corner?

Buying a policy is the easy part, but choosing who to deal with should take a little more thought.  Let’s face it, you’re too busy to become an expert, and that’s where we come in. As an insurance broker, we work for you, not for an insurance company.   We take the time up front to know you and what it is you need.  From there, we arrange the right coverage for you striking a balance between coverage and cost.  In the event of a claim, because we work for you, we are there in your corner, making sure the insurance company is delivering on the promise they made to you.  In the event your claim gets complicated, we have a broad network of well-respected specialists in the Claims, Legal, and Engineering fields ready to help support your claim through the entire process, maximizing your recovery. Call us or get a quote today!

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