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High Value Tenant Insurance

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, 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 policies.

Westland Key Insurance 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 contents both while temporarily away from your premises AND while permanently at another uninsured location (worldwide).
This includes student property while at school.
Replacement Cost – on contents We pay based on Replacement Cost on your contents, with no allowance for depreciation, even if you choose a cash settlement instead of replacing the items.
Improvement and Betterments We cover any improvements that you do to your unit
No Deductible for Losses over $50,000.
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 High Value Tenant Insurance Comparison

Feature Westland Standard Competitor Policy
Personal Liability– including Personal Injury and Tenants Legal Liability $5 million included with base policy $1 million or less included with base policy – not including Personal Injury
Silverware
$100,000 $25,000 or less
Bicycles
No limit $1,000 per item or less
Theft from Vehicle
No limit $3,000 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
$5,000 Not available
Student Property
No limit $3,000 or less
Property in Storage
No limit Not available. Must buy separate storage policy
Parent Property in a Care Facility
$10,000 Not available
Property in a Care Facility
$10,000 Not available
Credit/ Debit Card Protection
$10,000 $10,000 or less
Identity Theft
$25,000 Must buy a separate coverage
Search and Rescue
$5,000 Not available
Jewelry
$15,000 $5,000 or less
Extended Care Facility Protection – Contents
Westland Insurance Exclusive N/A
Contents in Storage
Westland Insurance Exclusive N/A
Cash Replacement Option
Westland Insurance Exclusive N/A

Discounts

We offer a variety of discounts as well including:

Added protection