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 our 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.

You are able to get a quick quote on the quote engine below for interest, however in order to ensure that you are getting all applicable discounts by adding in your auto, or by qualifying for a preferred rate if you belong to a designated group please give us a call at the office. We value our client relationships and encourage all forms of communication including face to face…. something unavailable when you’re dealing with a call centre.