Common-Law Partners
If you and your partner are in a common-law relationship, they are automatically covered under your APOLLO tenant insurance policy — no need to add them separately. In Canada, common-law status generally applies after 12 months of cohabitation, though this may vary by province. Check your policy wording for the precise definition that applies to your coverage.
Non-Common-Law Partners (Boyfriend/Girlfriend)
If your partner does not meet the definition of common-law, they are not automatically covered under your policy. In this case, they have two options:
Get their own policy — this gives them independent coverage and helps them build their own insurance history.
Be added to your policy as a roommate — log in to the Customer Portal to add them. Note that any claims they make will affect your policy's claims history.
Not Sure Where You Stand?
Review your policy wording for the definition of "spouse" or "common-law partner," or reach out through our Contact Us page and we'll help clarify your coverage.
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