Tailored insurance solutions for property owners and managers in Atlantic Canada
Managing multiple properties comes with unique risks. We provide a streamlined process for property managers and owners to secure comprehensive coverage without the guesswork.
How It Works
Frequently Asked Questions
We’ll need some basic information about you and the rental property, including its location, number of units and how it is used. Request a quote online and our team can gather any additional details we need.
It may not be legally required in every situation, but your mortgage lender may require appropriate insurance on a rental property. More importantly, a regular home insurance policy may not provide the right coverage when a property is rented to others.
The cost depends on factors such as the property, location, number of units, age and construction of the building, rental use, coverage selected, claims history and other property details. The best way to know is to request a quote.
It depends on the cause of the damage and the coverage you have. Certain types of sudden or accidental damage may be covered Wear and tear is not, and most policies exclude vandalism, malicious damage, or theft by a tenant or their guests.
Generally, no. Loss of rental income coverage normally applies when rent is lost because of an insured property loss. It does not normally cover a tenant simply failing to pay their rent.
Coverage can include the rental building, landlord-owned appliances and other property, liability protection and loss of rental income following an insured loss. Coverage varies by insurer and property, so we will help you understand exactly what is included. Depending on the policy, coverage may include:
The building if it is damaged by an insured loss such as fire, wind or certain types water damage
Landlord-owned property such as appliances, furnishings or equipment you provide for tenants
Liability protection if you are held responsible for an injury or property damage connected to the rental property
Loss of rental income if an insured loss makes the property unfit to live in while repairs are being completed
Additional structures such as a detached garage or shed, where applicable
Home insurance is generally designed for a home you live in. A rental property has different risks, so it needs insurance that reflects how the property is actually being used.
Landlord insurance is designed for homes and properties you rent to others. It can protect the building, your liability as a landlord, certain property you own at the rental and, depending on the policy, your rental income after an insured loss.
To ensure you receive the most accurate pricing and coverage, your submission is treated as a “Request for Quote.” Once submitted, our team reviews the details to ensure all eligible discounts and portfolio credits are applied before finalization.
This process is designed specifically for property owners and professional property managers. If you are an individual tenant looking for renter’s insurance, please contact our office directly.
