A fire or water damage in your unit or a neighbour’s can engage your liability and affect your belongings. Describe your situation; an authorized person explains what applies.
Protect your belongings
Cover your liability
Understand the deductible
Two distinct parts
Your personal belongings on one side, your civil liability on the other: they are two coverages in the contract.
What the landlord’s insurance does not do
It protects the building, not your things. Your lease may also include requirements.
Limits to know
Limits per category of belongings, valuables, deductible.
Roommates and moving
Each situation raises coverage questions; mention them during the conversation.
Frequently asked questions
Can my landlord require it?
Some leases provide for it; reread yours.
Am I covered if a neighbour causes damage?
It depends on the cause and the contract; ask the authorized person.
Is the request free?
Yes, and without obligation.