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If you’re looking for a place to rent and currently residing in Ottawa, there are typically five steps to the rental process:

Step 1: Set a price range and make a budget

Step 2: Choose your preferred location in the Ottawa area that best caters to your needs

Step 3: Begin the search and take a look inside at what could be your potential home

Step 4: Make the decision

Step 5: Start packing!

It may seem very straightforward and easy, but when you’re on the hunt for a rental property, all Ottawa renters should also consider adding tenant insurance to their budget. Oftentimes, some lease agreements will require the tenant to have their own insurance policy.

Tenant insurance in Ottawa, also known as renter’s insurance for Ottawa residents, is a property insurance that provides coverage for the renter’s belongings, liabilities and sometimes their living expenses in the event of a loss. Tenant’s insurance is available to all Ottawa persons renting or subletting a single family home, apartment, duplex, condo, studio, loft or townhouse.

At Oracle RMS, we are able to provide you the best Ottawa tenant insurance coverage for the best price. In the tenant insurance policy, you will receive legal liability coverage, which will pay for the cost of defending you in case of a lawsuit.

There is also the contents insurance coverage, which will cover the costs to repair or replace clothes and most household items in the event of fire, theft or other accidental damage. Included with the contents insurance policy, is “Additional living expense” coverage. This will pay for any necessary expenses, depending on the circumstances, such as hotel bills, restaurant meals and moving costs. Additional living expense coverage is subjected to certain limitations and can pay for unexpected expenses when you are unable to live in your rental due to a covered loss.

Although Ottawa renters are already balancing their budget and additional expenses, it is important to include tenant insurance to your finances. The cost of tenant insurance depends on what you’re looking for, such as:

How much insurance you require
The location of your residence
When your unit or apartment was built
Your insurance company
Your claims history

Request a quote for tenant insurance in Ottawa that is uniquely tailored to your coverage needs. Contact us today and speak directly with one of our licensed brokers who will gladly provide more information.

Should you have any further questions regarding your insurance quote for Toronto or surrounding areas, please feel free to contact us and one of our representatives will gladly assist you.