Coverage Options

The HSC Tenant Insurance Program offers two options for coverage.

Regardless of the option you choose, the HSC Tenant Insurance Program comprises of two components:

Property Coverage

Liability Coverage

Protects you from loss or damage to your personal property from fire, theft, water damage, and pays for additional living expenses if you are forced to leave your home because of a covered loss. Protects you from the costs of claims made against you for accidental injury and for damage to other people’s property caused by your negligent actions.

What’s the difference between the options?

The key difference between the two options is the maximum amount of coverage you get in the event of an emergency.

Option 1

Option 2

  • $10,000 of personal possessions
  • Up to $2,000 for additional living expenses (if your residence can’t be lived in following an insured loss)
  • $500 deductible per occurrence
  • Up to $500,000 legal defence and settlement costs if you are sued as a result of a negligent act or omission on your part. There is no deductible for liability claims.
  • $20,000 of personal possessions
  • Up to $4,000 for additional living expenses (if your residence can’t be lived in following an insured loss)
  • $500 deductible per occurrence
  • Up to $1,000,000 legal defence and settlement costs if you are sued as a result of a negligent act or omission on your part. There is no deductible for liability claims.
  • Total Cost for Alberta Residents: $186.36
  • Total Cost for Saskatchewan Residents: $197.54
  • Total Cost for Manitoba Residents: $197.65
  • Total Cost for Ontario Residents: $199.27
  • Total Cost for Alberta Residents: $240.50
  • Total Cost for Saskatchewan Residents: $254.93
  • Total Cost for Manitoba Residents: $255.59
  • Total Cost for Ontario Residents: $257.74

Residents can pay monthly or annually. For details, click on “Apply for Tenant Insurance” and select the “Payment Options” tab.

verification51 Tip: You should choose your coverage based on the total value of your personal property (under/over $10,000) and your budget.

 

Apply for Insurance

Get a quote and apply for tenant insurance

Read more
Renew Insurance

What you need to know about renewing your insurance

Read more
Make a Claim

How to make a claim if disaster strikes

Read more
The HSC Tenant Insurance Program is brokered by Marsh's Private Client Services and underwritten by XN Financial. Read more