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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 can cancel your APOLLO tenant policy anytime, but short-rate fees may apply. Here's what to expect.

Is it possible to cancel my policy at any point?

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?

Whether you're exploring the world or your own backyard, make sure you're covered.

What is Personal Liability Coverage?

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?

Explore optional add-ons for your APOLLO tenant policy including enhanced water damage, increased contents, and liability coverage.

Additional coverages in Tenant policies

Whether you live alone or with friends, in a condo or a standalone home, make sure your contents and liability are covered!

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?

APOLLO tenant insurance does not cover vehicles, but limited coverage for personal items inside your car may apply.

Does Apollo cover vehicles or offer car insurance bundling?

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 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

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?

APOLLO offers some coverage options for water damage risk

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?

Anything from a tornado to an upstairs leak can force you out of your home. This coverage can help.

What is Additional Living Expense Coverage?

If you've got an especially valuable item, you may need extra insurance to cover it.

What are Special Limits ?

Can common law partners and spouses be listed as Co-Applicants?

Can I list a Co-Applicant ?

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?

Landlords can be added to the Certificate of Insurance

Can my Landlord be an Additional Insured ?

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?

Learn what personal liability coverage protects you from under your APOLLO tenant insurance policy, and what's excluded.

What does liability coverage include and what are the limits?

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?

Find out what to expect when a payment doesn't go through, what happens to your coverage, and how to resolve it quickly.

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?

Contact details and step-by-step instructions for reaching SinglePoint Collections to pay an outstanding balance.

How do I contact SinglePoint Collections?

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

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

Find answers and get help from Intercom Support and Community Experts

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