Tenant insurance for renters in B.C.
Buy renters insurance for your rental home in B.C.
Tailored tenant insurance for renters in British Columbia
Whether you’re renting a condo in urban Vancouver, an apartment in Surrey or a house in the family-friendly city of Delta, Sonnet tenant insurance has B.C. renters covered. Get a customized quote, in language you can understand, at a competitive price – and do it all online. We’ve changed tenant insurance for the better, so you can worry less and live more.
Why do I need tenant insurance in B.C.?
As a renter, you need tenant insurance because your landlord’s policy doesn’t cover your personal belongings. Think about all the stuff you own and how much it would cost to replace everything. In B.C., the average cost of a content insurance claim is $7,614. Surprised? Your stuff is valuable. Tenant insurance also includes personal liability which is an important coverage for all renters to have. Accidents happen, so it’s better to be protected then to have to pay out-of-pocket for damages or repairs.
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A small number of personal belongings fall into a category called Standard Limits, which means you’re covered for these items up to a fixed dollar amount. These amounts cannot be increased (unlike Specialty Belongings). Some examples of these items are business property, gift cards and spare auto parts.
The list of items that fall into Standard Limits can be found during the quoting process, or in your Policy Wordings document (if you’re already a home customer).
Check out our blog for more information on how
Your spouse or common-law partner and your kids are already covered by your policy. Anyone else who is living with you and is also on your lease can be added to your tenant policy to share coverage. To do this, just add them as a tenant when you buy your tenant insurance online.
If you’ve already purchased and want to add them to your existing Sonnet policy, log in to your account and click on your tenant policy. Select the Tenants tab and click Add a tenant.
Here are the details you’ll need to have ready for your roommate:
- Their full name
- Their date of birth
- Their email address
- Their phone number
Once all of this has been entered, click Add. Your policy documents will update to include their name.
Personal belongings are anything that you own that you could pack in a bag or take in a moving van with you. For example, your clothes, laptop, cellphone, refrigerator etc., are all things included in your personal belongings coverage. When you set up your policy, you have the option to set your coverage limit for your personal belongings, based on approximately how much your stuff is worth.
If you have fancier items, like expensive jewellery or silverware, consider whether their cost would be within your overall personal belongings limit. If not, you can either increase your overall limit or add these items separately to your policy. They’ll be covered by their own limit(s) and have no deductible.
We ask you a few key questions to access public information about the place you’re renting along with personal information you provide to determine your rate. The information we use includes:
- Where your rental is located
- Home structure, age, type of heating, etc.
- Number of past insurance claims
- Information about you (age, credit score if applicable, etc.)
Using this information and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just 5 minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).
Looking for tenant insurance? Live in B.C.?
Average monthly premiums for tenant insurance in British Columbia are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.
The average cost of a content insurance claim in British Columbia is based on 2019 claims data from Sonnet and Economical Insurance.