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R.A. Hughes Insurance

Tenant Insurance Winnipeg

Safeguard your rental property with top-notch tenant insurance in Winnipeg that covers all the essentials.
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Whether you rent a unit in an apartment building or a whole home, tenant insurance can help protect you, your family, and your belongings. At R.A. Hughes Agencies, we offer several different tenant insurance policies—our brokers will help you find the perfect policy at the right price.

At our brokerage, we are able to provide coverage for tenants living in:
Apartments
Care homes
Assisted living facilities
And more
We offer affordable, customizable coverage through our insurance partners.
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Why Choose R.A. Hughes?

R.A. Hughes has served St. Boniface and Winnipeg at large for almost 100 years. We have experience dealing with tenant insurance claims from around the city; we know the devastation that theft, fires, and other life-altering events can cause. The right tenant insurance policy can protect you and your belongings. With almost a century of experience and collected data, we’re the perfect team to help you find the right policy for your needs.
tennant with key

Coverage Details

The coverage that tenant insurance offers can be broken down into three broad categories:
Personal property insurance covers your belongings both inside and outside of your home.
Tenant’s liability coverage protects you if you accidentally injure someone or damage their property. This coverage also extends to any accidental damage you cause to the building your unit is located in.
Additional living expenses coverage helps pay for hotels, food, and other expenses if your home becomes uninhabitable because of an event covered by your tenant’s insurance.
Tenant insurance may also cover any improvements you make to your living space; some policies may also cover you in cases of identity theft. It’s important to review your policy and its coverages with your insurance broker.

As with any insurance coverage, there are certain events covered by tenant’s insurance and others that aren’t. Tenant’s insurance is typically “all perils”—meaning that all events that result in loss are covered, except for named exclusions. This means that what’s covered will vary from policy to policy. Tenant’s insurance typically covers most events, with a variety of exceptions. These exceptions can include:
Sewer backup
Floods
Earthquakes
And more
By reviewing your policy with an insurance broker, you can learn exactly what events are covered by your tenant’s insurance policy—and which ones aren’t.

Every tenant’s insurance policy also comes with a deductible—deductibles are an amount your policy will not pay out when you claim. There are typically several deductible options available; increasing or reducing your deductible will lower or increase your premium.

Cost of Tenant Insurance in Winnipeg

Tenant insurance is incredibly affordable. Most policies offer tens of thousands of dollars worth of coverage for personal property and millions of dollars worth of liability coverage.

That level of coverage is available to tenants for an average of $20-$25 a month. This makes tenant insurance more affordable than condo insurance or home insurance—and you’re getting a substantial amount of coverage for that cost.

Claims Example

1. A tenant loses all of their belongings to a fire. They have $30,000 worth of tenant insurance and $30,000 worth of personal property. The policy deductible is $500.

The tenant is paid out $29,500 for their personal property. Additionally, the policy offers coverage for additional living expenses; the tenant is covered for the cost of their hotel room and other expenses while their rental unit is restored.

2. A tenant accidentally breaks a stained glass window—the window is old and valuable, priced at $100,000. The personal liability coverage on their tenant insurance helps pay for the tenant’s legal fees; additionally, it helps to repair or replace the window due to the damage caused by the tenant.
tenant handshake

Get a Quote Today

Whether you’re renting a unit in an apartment or you’re renting a whole house, tenant’s insurance can help protect you and your personal property. The brokers at R.A. Hughes Agencies will help you find the right policy for your needs. Book an appointment online or visit us in person for a free quote today!
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Secure Your Rental Property Today

Don't wait until it's too late. Contact us today to learn more about our tenant insurance options in Winnipeg and protect your rental property.

Peace of Mind:

With our tenant insurance coverage, you can rest easy knowing that your rental property is protected from unexpected events.

Expert Guidance:

Our team of insurance professionals is here to provide expert guidance and support to ensure you have the coverage you need.

FAQ

Are There Any Risks To Not Having Tenant Insurance?

Tenant insurance keeps you and your property protected from fires, theft, and more. Tenant insurance is incredibly affordable. When everything goes well, you’ll never need to use it. When things go wrong—how much can you afford to lose?

Most of us have tens of thousands or even hundreds of thousands worth of personal property. Very few of us have the money to replace all of our property if it gets destroyed in a fire or another catastrophic event. Tenant insurance gives you the ability to recover from catastrophe.

The same goes for liability insurance—even though liability claims are somewhat rare, they can cost hundreds of thousands or even millions of dollars, all because of an accident. Mistakes happen—even costly ones—and tenant insurance keeps you protected.

How Can I Save on Tenant Insurance?

There are several ways you can save on tenant insurance, including:

  • Increasing your deductible amount
  • Staying claims-free
  • Staying with the same insurer
  • Using an insurance broker to find more affordable policies
  • Reducing the extended coverage on your policy
  • Lowering your level of coverage
  • Paying annually

Looking to save on tenant insurance? Talk to our brokers today!

Experience the R.A. Hughes Advantage

For over 90 years, families and businesses across Manitoba have relied on R.A. Hughes Insurance for comprehensive protection and personalized guidance. As an established local presence, we take pride in building long-lasting relationships founded on trust and a deep understanding of our clients' unique needs. Don't leave your future to chance - partner with our experienced team today.
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