If there's a fire, a break-in, or a burst pipe in your rental, your landlord's insurance will repair the building. Your furniture, your laptop, your clothes, that's on you. Unless you have tenant insurance. Cherry places it in minutes.
Everything you own inside the unit - furniture, electronics, clothing, kitchen items, sporting equipment. Covered against fire, theft, vandalism, and water damage. A Cherry broker can review your total contents value so you have a clearer picture of your coverage when you need to replace everything at once.
If a guest slips and falls in your unit and takes legal action, your landlord's policy does not protect you. Personal liability coverage on a tenant policy does. It also covers accidental damage you cause to the building or to a neighbour's unit - like an overflowing bathtub that damages the unit below.
If your unit becomes uninhabitable after a covered loss - fire damage or a major flood - this pays for your temporary accommodation, meals, and related costs while repairs are made or while you find a new place.
Tenant policies can include coverage for sudden and accidental water damage - an appliance malfunction, a burst pipe, or an overflowing sink. Talk to a Cherry broker about what water coverage is included and what needs to be added.
An increasing number of landlords include tenant insurance as a condition of the lease agreement. Even where it's not required, it's one of the most affordable insurance products available - and one of the most important for renters who would have no way to replace their belongings otherwise.
It is not legally required, but many landlords require it as a condition of your lease. More importantly, if you don't have it and something goes wrong, you have no protection for your belongings or your personal liability.
A standard Cherry tenant policy covers your personal contents (furniture, electronics, clothing), personal liability if someone is injured in your unit, and additional living expenses if your unit becomes uninhabitable after a covered loss.
Tenant insurance is one of the most affordable personal insurance products available. The exact cost depends on your contents value, the coverage limits you choose, and your location. Call Cherry at 306-653-2313 for a quick quote - it typically takes about 10 minutes.
Yes. Theft of your personal belongings is covered under a standard tenant policy. Talk to your Cherry broker about your specific coverage limits.
Not automatically. Some tenant policies can be extended to include a roommate, but this needs to be confirmed with your broker at the time the policy is placed. Each person living in the unit should ideally have their own tenant policy or be explicitly listed.
Your Cherry broker can update your policy to reflect your new address. Tenant insurance follows you - it is not tied to a specific unit. Call your broker before you move to confirm the transition.
It depends on the source. Sudden and accidental water damage - a burst pipe, overflowing appliance - is typically covered. Gradual leaks or damage caused by your own neglect may not be. Talk to a Cherry broker about the specific water coverage on your policy.
Yes. Cherry places tenant insurance for students renting away from home. If your parents own a home insured through Cherry, ask whether your belongings may already be partially covered under their contents policy while you're at school.