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Frequently asked questions about tenants insurance 

Tenant's Insurance FAQs

Tenant insurance isn't legally required in Canada, but most landlords expect it — and there are good reasons to have it regardless.

Is tenant insurance mandatory?

Learn how to get an instant online insurance quote from APOLLO in minutes — no phone calls or agents needed.

How do I get a quote from APOLLO?

APOLLO offers tenant, condo, and business insurance across most Canadian provinces. Find out if coverage is available where you live.

Where is APOLLO Insurance available?

Yes — seniors in assisted living facilities can and should have tenant insurance. Here's why it matters.

Can I get tenant insurance for a senior in an assisted living home?

You must be 18 or older to purchase a tenant insurance policy with APOLLO.

How old do you have to be to have Tenant Insurance?

While you can share a policy, there are good reasons for each roommate to get their own. Here's what to consider.

Do my roommates need their own policy?

What tenant insurance is, what it covers, why landlords often require it, and why APOLLO's online application takes only minutes to complete.

What is Tenant Insurance and why is it important?

Standard tenant insurance doesn't cover short-term rentals. Learn about APOLLO's Rented Condo product for Airbnb hosts.

Does my policy cover Airbnb or VRBO rentals?

Understand how your deductible affects personal liability claims and when it may not be worth filing.

How do deductibles work for liability claims?

Moving? Your tenant insurance typically covers belongings in transit and liability at both locations for up to 30 days.

Insurance Coverage During a Move: What You Need to Know

Get a lower rate by submitting a competitor quote during checkout. Learn how APOLLO's price-beat process works.

Customize APOLLO Quote with Competitor Pricing

An innovative add-on providing renters predictable rates and enhanced coverage options.

APOLLO+: More Value, More Flexibility, More Financial Security

Learn why liability coverage is one of the most important parts of your tenant insurance policy - and why we recommend $2M over $1M.

Why Liability Coverage Matters on Your Tenant Insurance Policy

From fire and theft to liability and living expenses — a comprehensive guide to what APOLLO tenant insurance covers.

What does Tenant Insurance Cover?

Tenant insurance won't cover pet damage to your own belongings, but liability coverage may apply if your pet injures others.

Are Pets Covered Under My Tenant Insurance Policy?

What coverage limits mean on your APOLLO tenant insurance policy, how contents, liability, and additional living expense limits work, and how to choose the right amounts.

What should I know about tenant insurance policies and coverage limits?

Accidents happen, even to the most careful renters. A dropped dish, a knocked-over plant, or a mishap during a move can lead to costly damage to your rental unit. That's…

Introducing Tenant Shield: Your Safety Net for Accidental Property Damage

Learn how to extend your tenant insurance policy end date directly through the APOLLO Customer Portal.

How to Extend Your Policy Through the Customer Portal

How to request a legal name update on your APOLLO policy, what our team can change, and why policy name transfers to a different individual are not supported.

How can I update the name on my policy?

What to do if you changed your address through the Customer Portal but didn't receive a confirmation email — causes and next steps.

Address change — confirmation email not received

General FAQ

You can purchase your APOLLO policy in advance and set a future start date. Here's why buying early is a smart move.

How early do I need to get tenant insurance?

APOLLO allows you to add a roommate to your tenant policy. Learn the pros, cons, and how shared coverage works.

Can I add a roommate to my policy?

APOLLO only offers 12-month policies, but monthly payment options give you flexibility to cancel when needed.

Can I get a policy for less than a year?

The water damage coverage options available on APOLLO tenant insurance — what's included by default, what Enhanced Water Protection adds, and what's excluded entirely.

What water damage coverage does APOLLO offer?

Choose an amount that's right for you by performing a personal home audit

How Much Coverage Do I Need?

What Additional Living Expense (ALE) coverage pays for if your home becomes uninhabitable — temporary accommodation, meals, and other costs — and the limits that apply.

What is Additional Living Expense Coverage?

What special limits are, which high-value categories they apply to (jewellery, bikes, electronics), and how to increase a limit through the APOLLO Customer Portal.

What are Special Limits ?

Your tenant policy may extend coverage to a dependent student living away from home. Here's what qualifies and what to check.

Is my student child in residence covered by my policy?

How to add your landlord as an additional insured on your APOLLO policy, what it means, and how they receive the certificate of insurance.

Can My Landlord Be an Additional Insured on My Policy?

Tenant insurance covers many common losses, but special limits and deductibles apply. Here's what to review before you need to make a claim.

Does this policy cover all my belongings no matter what happens?

What personal liability coverage is, real-world examples of when it applies, what it covers and excludes, and coverage limits on your APOLLO tenant policy.

What is Personal Liability Coverage and what does it include?

What APOLLO tenant insurance typically costs, what factors affect your premium, and how to get an instant quote online.

How Much Does Tenant Insurance Cost at APOLLO?

APOLLO issues policies and proof of insurance instantly online. Here's how to get covered today when your landlord needs proof before move-in.

I Need Tenant Insurance Today — How Fast Can I Get Covered?

Troubleshooting help for common issues during the APOLLO quote and purchase flow — address not found, payment failed, no documents received, and more.

Troubleshooting Your Quote or Purchase

A plain-language guide to every optional add-on available on an APOLLO tenant policy — Enhanced Water, Tenant Shield, APOLLO+, increased contents, and sub-limits.

What Optional Coverages Can I Add to My Policy?

Buying a new Policy

Understand when your first payment is charged and how monthly vs. annual billing works for your APOLLO tenant insurance policy.

At what point will I be charged for my tenant insurance policy?

What happens step by step when an APOLLO payment fails — grace period, retry schedule, the $15 fee, when your policy is cancelled, and exactly how to resolve it.

What happens if my payment fails?

APOLLO accepts Visa, Mastercard, Amex, and select debit cards. Learn which payment methods are supported and why some are not.

What payment methods are accepted?

A failed payment can put your coverage at risk. Learn how adding a backup card keeps your policy protected automatically.

Why Your Payment Plan Needs a Backup Card

APOLLO's new premium financing subsidiary, FinShore, handles all monthly policy billing. Here's what changed and why.

APOLLO Insurance Introduces FinShore

How to prevent missed payments and coverage gaps on your APOLLO policy — backup cards, keeping card details current, and knowing your billing date.

How do I avoid coverage gaps and missed payments?

How to check for an outstanding balance in the Customer Portal, pay it directly, and what to do if your account has been passed to collections.

How do I check and pay an outstanding balance?

Contact details and step-by-step instructions for reaching SinglePoint to pay or discuss an outstanding balance on your APOLLO account.

How can I contact SinglePoint to clear my outstanding balance?

Need a little extra time before your next scheduled payment? No problem.

How to Defer Your Payment Date

Billing

Find out how deductibles work on APOLLO tenant insurance claims and which coverages may be exempt.

Will I pay a deductible when I make a claim?

Two real APOLLO claims — a snowfall leak and a burst pipe — showing how tenant insurance provided thousands in relief.

Real Life Examples of APOLLO Claims

Claims

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