Tenant Insurance Nova Scotia & New Brunswick

Tenant insurance is not a legal requirement for renters, but it’s a very important form of coverage that all renters should have. It’s important to ask yourself if you’d be able to replace the contents of your apartment if they were stolen, damaged/destroyed in a fire or natural disaster. Landlords are not legally obligated to replace your personal possessions if one of the above happens, so it’s crucial to be prepared for those sorts of instances.

Do you have any special possessions, such as jewellery or a musical instrument? Special valuables can be insured as part of the coverage too.

But tenant insurance is about more than just possessions, it’s also protecting yourself in case of legal liability, stemming from personal actions which cause harm to others.

If a fire started in your apartment and caused damage to other parts of the property, you could be legally responsible to pay for the damages. Or if someone injured themselves in your apartment and successfully sued you, you’d have to pay the settlement.

Take the worry out of renting and purchase affordable tenant insurance coverage through OTC Insurance. Tenant insurance is very inexpensive and when combined with your auto insurance you can get discounts on both insurance policies.

Inventory Checklist

Please download and complete the inventory checklist. It will help you better understand your insurance needs and more importantly, it will provide a complete catalog of your possessions. Trying to remember what your possessions are after a loss can be very difficult. Take the time now to be prepared for that scenario. It is also a wise idea to take photos and make a video of your possessions located in your home to accompany the checklist.

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What our Clients are Saying

  • client-profile-img2

    I have been working with Jack for the past four years. When my wife & I combined our home and auto insurance and switched to OTC, we saved almost $1,000 a year!

    Jeff Winship
    Nova Scotia

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    Shortly after moving my business to OTC my car was involved in an accident and there was a dispute about liability. Fortunately, Jack was on my side. He was very considerate and professional. What was determined a closed case by the other parties was reopened because of due diligence.

    Dorinda MacIsaac