{"id":6561,"date":"2014-07-04T03:53:00","date_gmt":"2014-07-04T03:53:00","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=6561"},"modified":"2026-02-06T05:12:31","modified_gmt":"2026-02-06T05:12:31","slug":"tenant-insurance-ottawa","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/tenant-insurance-ottawa\/","title":{"rendered":"Clearing Up the Confusion About Tenant Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6561\" class=\"elementor elementor-6561\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b29c33 e-flex e-con-boxed e-con e-parent\" data-id=\"1b29c33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4cc8bb elementor-widget elementor-widget-text-editor\" data-id=\"a4cc8bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For many people who live in apartment buildings throughout Ottawa, the idea of renter\u2019s insurance or tenant\u2019s insurance is often overlooked. While nearly 97% of homeowners in Canada carry\u00a0<a href=\"https:\/\/www.ona.ca\/home-insurance\/\">home insurance<\/a>, less than half of all renters carry\u00a0<a title=\"Tenants Insurance Ottawa\" href=\"https:\/\/www.ona.ca\/tenant-renter-insurance\/\">tenant\u2019s insurance.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-176d3ba elementor-widget elementor-widget-image\" data-id=\"176d3ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"626\" height=\"417\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Inner-image-24.webp\" class=\"attachment-large size-large wp-image-6564\" alt=\"Tenant Insurance - Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Inner-image-24.webp 626w, https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Inner-image-24-300x200.webp 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77462c7 elementor-widget elementor-widget-text-editor\" data-id=\"77462c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So why is insurance for tenants so uncommon compared to insurance for homeowners? Well, there are likely a number of factors at work:<\/p><ul><li>Tenants are confused about what\u2019s insured, and\/or mistakenly believe that they\u2019re covered by their landlord;<\/li><li>Tenants drastically underestimate the value of the possessions in their unit;<\/li><li>People who rent believe that insurance is another cost that they can\u2019t afford.<\/li><\/ul><p>Tenant Insurance is cost-effective, in that it\u2019s not likely to break your bank, but will cover you for many things in the event of fire, theft, water damage and more. It can also protect you against liability, should there be an injury to a person in your unit, or you\u2019re responsible for damage to your unit or someone else\u2019s unit in your building. With that in mind, let\u2019s take a look at some of the most common types of confusion and objections that tenants have about insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafb1d6 elementor-widget elementor-widget-heading\" data-id=\"bafb1d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u201cI\u2019m sure my landlord has insurance.\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d589759 elementor-widget elementor-widget-text-editor\" data-id=\"d589759\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes, they do, but in all likelihood that only covers the building itself. So that means all of your personal belongings wouldn\u2019t be covered in case of a catastrophic event. Tenant\u2019s insurance can also cover you against liability. Say, for example,\u00a0 you leave a tap running or a pot on the stove and there is damage to your unit and\/or the damage spreads to other units. You can be held liable for that, so it\u2019s best to be covered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218aa08 elementor-widget elementor-widget-heading\" data-id=\"218aa08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u201cI don\u2019t have much worth keeping.\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f6a84b elementor-widget elementor-widget-text-editor\" data-id=\"3f6a84b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many people tend to underestimate the value of their possessions. \u00a0Think about a fairly-typical, middle-class household in 2014:<\/p><ul><li>Furniture: bed, dressers, nightstands, couches, chairs, dining table, coffee table, bookshelves, lamps, etc.<\/li><li>Electronics: television, cable box, video games, computer &amp; accessories, monitor, networking equipment, phone, tablet, etc.<\/li><li>Kitchen appliances<\/li><li>Personal: clothes, jewelry, rings, timeless keepsakes, etc.<\/li><li>Misc.: books, movies, games, musical instruments, etc.<\/li><\/ul><p>When you start to think about it and tally these things up, it\u2019s quite possible that you have more items around your place than you could afford to replace, particularly after a traumatic event like water damage, or a fire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-536a4da elementor-widget elementor-widget-heading\" data-id=\"536a4da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u201cI can\u2019t afford it.\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d355c3 elementor-widget elementor-widget-text-editor\" data-id=\"4d355c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unless your budget is already stretched really thin, you probably can. You\u2019ll likely be surprised at how affordable renter\u2019s insurance is: to give a large range, most people could expect to pay somewhere between $12 and $30 per month. In any case, it\u2019s likely less than a dollar a day \u2014 and having the peace of mind knowing that your valuables are protected is, for many people, priceless.\u00a0<a title=\"Ottawa Tenant Insurance\" href=\"https:\/\/www.ona.ca\/contact-us\/\">Speak to Oegema, Nicholson &amp; Associates<\/a>\u00a0today about your options for renter\u2019s insurance. We\u2019ll work hand-in-hand with you to craft a policy that fits your needs and ensures that you\u2019re protected against a worst case scenario situation. Or,\u00a0<a title=\"Ottawa Tenant Insurance Quote\" href=\"https:\/\/www.ona.ca\/condo-insurance\/\">get a no-obligation quote<\/a>\u00a0by submitting your information online. Thanks for reading, The ONA Team \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>For many people who live in apartment buildings throughout Ottawa, the idea of renter\u2019s insurance or tenant\u2019s insurance is often overlooked.<\/p>\n","protected":false},"author":4,"featured_media":6562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-6561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/6561","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=6561"}],"version-history":[{"count":8,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/6561\/revisions"}],"predecessor-version":[{"id":6593,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/6561\/revisions\/6593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/6562"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=6561"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=6561"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=6561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}