Tenant insurance protects renters against unexpected damages, losses, and liabilities within their leased property. It provides the ease of mind that you and your belongings are protected against common risks.

What is tenant insurance?

Tenant insurance, or renters’ insurance, provides a way to protect your belongings, as a landlord's property insurance does not cover their tenants' belongings. When tenants get a tenant insurance policy, they must decide which items to cover. 

In the case of an incident such as a robbery, fire, or flood, where insured possessions are damaged or stolen, the insurer will provide compensation to help cover the repair or replacement costs.

In the case of an incident such as a robbery, fire, or flood, where insured possessions are damaged or stolen, the insurer will provide compensation to help cover the repair or replacement costs.

Common insurance terms

• All Risk Insurance Provides coverage for the loss or damage of your belongings caused by any incident unless stated in the policy. 
  
• Replacement Cost Insurance Means that in the event of the damage or loss of your covered possessions, your insurer will cover the repair cost to the original state of the item or replace the item entirely.
  
• Actual Cash Value Insurance Means that in the event of a covered loss, your insurer will determine the value of the items in their current state (depreciation included) and pay out that amount. 
  
• Additional Living Expense Coverage provides financial support for living expenses should your home be uninhabitable following a covered incident. 

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Personal Liability Coverage

Tenant insurance protects you if you are named in a lawsuit or deemed responsible for unintentional bodily harm and/or property damage. Personal liability coverage may provide financial support should you be sued. 

CAA Legal Coverage

CAA Legal Coverage³ is included in CAA Tenant Insurance policies. Legal Expense Insurance covers reasonable and necessary legal expenses incurred while pursuing or defending an accepted claim. If you find yourself pursuing or defending yourself in a legal proceeding such as a lawsuit, contract dispute, or audit, Legal Expense Insurance can prove to be extremely valuable. Additionally, you will have unlimited access to a general legal helpline, even if your issue is not covered by the policy.