Apartment Insurance in London Ontario


Apartment Insurance London Ontario

Even as a renter, you need to safeguard your belongings and mitigate liability risks. This is where Levitt Insurance Brokers Ltd.’s apartment insurance can come in handy. At Levitt Insurance Brokers Ltd., we recognize the unique insurance needs of renters and can assist you in selecting the right apartment insurance policy. Our specialists will take the time to learn your specific requirements and will work hard to find you the most suitable insurance options available.

Contact Levitt Insurance Brokers Ltd. and let us help you get the apartment insurance you need, or use our online tool for a quick, competitive quote today.

Frequently Asked Questions

No, apartment insurance is not mandatory in London, Ontario. That said, we highly recommend purchasing insurance coverage as a renter regardless to ensure you’re protected in the case of an unforeseen event that results in damages, loss, or injuries on the premises of your rental property.


A common misconception many renters have is that landlord's insurance extends to their belongings and interests. However, this is not the case. Landlords' insurance often provides protection against damages associated with the building itself, their personal items, and liability. Therefore, if an unexpected event such as water damage, fire, theft, or damage caused by severe weather occurs, you could be financially responsible for any damages or losses to your belongings.


At the same time, if you or someone else is injured on the premises of your rental property, you could be held legally responsible if a lawsuit is brought against you, meaning you would have to pay out of your own pocket for any medical expenses, settlements, judgments, and legal fees that accumulate.

Several factors influence the cost of tenants' insurance in London, Ontario. These variables include the scope of coverage you select, the value of your personal possessions, the deductible amount, your claims history, as well as additional individual factors.


It is best to contact the insurance provider or broker directly for an accurate cost estimate. They'll ask you specific questions about your rental situation and personal belongings before providing a customized quote based on your unique needs.


Just keep in mind that it's critical to consider not only the cost but also the coverage offered when acquiring quotes. Remember to examine the policy terms carefully to ensure that your personal belongings and liability are adequately protected.

If you do not have tenant insurance in London, Ontario, you may be exposed to a variety of risks and financial strains. For example, your personal belongings will not be protected against events such as fire, theft, or water damage if you do not have coverage. As such, you will be responsible for fixing or replacing your possessions out of your own wallet rather than having your insurance provider cover these costs.


Furthermore, with no tenant insurance, you may be exposed to liability. If someone is injured or you unintentionally cause any damage to the property, you may be held financially liable for medical costs or repairs. These costs can quickly add up and become a significant burden. Therefore, as part of the rental contract, some landlords or property management businesses may require tenants to have insurance. If you do not comply with this condition, you may face eviction or additional legal repercussions.

While tenants, landlords, and home insurance are not mandatory in London, Ontario, or the province as a whole, auto insurance and commercial insurance are. Nonetheless, just because these insurance policies are not mandated by law does not mean that they won't benefit you in the future should an unexpected event occur.

There are a number of steps you can take if a tenant damages your property in London, Ontario. First, carefully record the damage with pictures or videos. Then, examine the rental contract to better comprehend the tenant's obligations and the repercussions of a breach. Once this is done, communicate with the tenant by expressing your concerns and going over repair costs. You should aim to get estimates for repairs to determine the extent of the damage. Furthermore, if the tenant refuses to cooperate, consider taking legal action and consulting with a lawyer. Lastly, check to see if your landlord policy covers tenant damages and, if so, file a claim.

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