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Contents Insurance Comparison for Tenants in BC

Did you know that as a renter, your landlord’s home insurance will not cover your belongings in the event of a fire, theft or damage?

You would also be responsible for any damage that you cause to any part of your building and for any accidental injuries incurred by someone while visiting the property.

For example:

  • If you left something in the oven which led to a fire, you would be responsible for damages caused to any part of the building or apartment complex that you reside in.
  • If a visitor to your home slipped and fell due to your negligence, you could be held financially responsible for their medical and other expenses.

For as little as $1 a day, tenant insurance can make sure that you are adequately covered. See below for some of the coverage that Westland offers:

At Westland Insurance Group, we know that your personal belongings represent some of your most valuable possessions. And we also know that not all insurance policies are created equal. See how we stack up against our competitors’ standard tenant insurance policy or learn more about our high-value tenant insurance coverage.

Westland Insurance Group Key Features and Benefits

All Risk or Comprehensive Policy We cover your contents for “all risks”, not specific losses or “perils”
Off Premises coverage - contents We insure your personal property while temporarily away from your premises.
Replacement Cost – on contents We pay based on Replacement Cost on your contents, with no allowance for depreciation.
Improvement and Betterments We cover any improvements that you do to your unit
Temporary Relocation Costs Protection We cover your additional expenses if you need to move out of your home as a result of an insured loss
Liberalization Clause If we increase any included coverage, you immediately get that coverage – at no extra charge.

Westland Tenant Insurance Comparison

Feature Westland Standard Competitor Policy
Personal Liability – including Tenants Legal Liability $2 million included with base policy $1 million or less included with base policy
Silverware
$100,000 $25,000 or less
Personal Computer Hardware
No limit $5,000 or less
Spoilage of food in refrigerator or freezer
$5,000 $1,000 or less
Wine Spoilage
$1,000 Not Available
Student Property
$5,000 $3,000 or less
Property in Storage
$5,000 Not available. Must buy separate storage policy
Parent Property in a Care Facility
$2,500 Not available
Property in Care Facility
$5,000 Not available
Credit/Debit Card Protection
$10,000 $5,000 or less
Lock Replacement
$2,000 $1,000
Bicycles
$2,000 per item $1,000. per item or less
Theft from Vehicle
$10,000 t if in a locked trunk $3,000 or less
Jewelry
$7,000 $5,000 or less
Identity Theft
$25,000 Must buy separate coverage
Extended Care Facility Protection – Contents
Westland Insurance Exclusive N/A
Contents in Storage
Westland Insurance Exclusive N/A

Discounts

We offer a variety of discounts as well including:

Added protection