Tenant Insurance
Protect What You Own
Easy to get, easy to manage—coverage tailored for renters like you.
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Fast Quotes
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Local Support
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Tailored Coverage
Tenant coverage
Reliable Tenant Insurance
Protect your belongings, your peace of mind, and your rental lifestyle, with coverage tailored for renters across Alberta.
Why Choose Millennium for Your Tenant Insurance?
Personal Liability Insurance
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Rooted in Your Community. Ready When You Need Us.
As a renter, you could be responsible for damage to your unit or injuries to guests. Our tenant insurance includes up to $3 million in liability coverage, so you’re protected when life takes an unexpected turn.
Your Belongings Deserve Protection.
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Your Things Matter, Make Sure They're Covered.
From your furniture to your clothing to your electronics—if it’s yours, it’s worth protecting. Millennium’s tenant insurance covers your belongings from fire, theft, and other risks, giving you peace of mind at home or on the go.
Unlock Discounts by Bundling Policies
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Multi-Policy Options Built for Renters.
Combine your tenant insurance with your auto policies to unlock added savings. Get everything covered in one place with flexible plans designed to your budget and lifestyle.
Why Choose Millennium for Your Tenant Insurance?
You rent the space—now protect what’s in it. Your landlord’s insurance won’t cover your personal belongings or liability, but Millennium’s tenant insurance will. Get affordable, reliable coverage for life’s unexpected moments, with support you can count on.
Personal Liability Insurance
-
Rooted in Your Community. Ready When You Need Us.
As a renter, you could be responsible for damage to your unit or injuries to guests. Our tenant insurance includes up to $3 million in liability coverage, so you’re protected when life takes an unexpected turn.
Your Belongings Deserve Protection.
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Your Things Matter, Make Sure They're Covered.
From your furniture to your clothing to your electronics—if it’s yours, it’s worth protecting. Millennium’s tenant insurance covers your belongings from fire, theft, and other risks, giving you peace of mind at home or on the go.
Unlock Discounts by Bundling Policies
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Multi-Policy Options Built for Renters.
Combine your tenant insurance with your auto policies to unlock added savings. Get everything covered in one place with flexible plans designed to your budget and lifestyle.
Why Choose Millennium for Your Condo Coverage?
Condo living comes with unique coverage needs. Millennium offers expert advice, fast local service, and tailored protection for what your condo board’s policy doesn’t, plus bundled savings made for Alberta life.
Local Experts Who Understand Alberta Living
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Rooted in Your Community. Ready When You Need Us.
Our condo insurance team lives and works right here in Alberta. Whether you're dealing with unit damage or navigating loss assessment fees, our advisors are close by—offering responsive support and tailored solutions built for your community.
Coverage That Complements Condo Corporation Policies
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What Your Building’s Insurance Doesn’t.
Condo corporations often cover common areas—but not what’s inside your walls. We help fill in those gaps with protection for your contents, upgrades, liability, and loss assessments—giving you true peace of mind.
Simplify Your Insurance and Unlock Discounts by Bundling Policies
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Multi-Policy Options Built for Alberta Condo Owners.
Combine your condo insurance with auto or other personal policies to unlock added savings. Get everything covered in one place with flexible plans designed to suit your budget and lifestyle.
Trusted Coverage
Tenant Coverage to Protect What Matters Most
Millennium’s plans cover your personal property against fire, theft, water damage, and more—plus liability protection in case someone is injured in your unit, or you accidentally cause damage. Live confidently, knowing you’re covered for life’s unexpected moments.
How Does Tenant Insurance Work?
Tenant insurance protects what your landlord’s policy doesn’t—your belongings, your liability, and unexpected living expenses if your rental becomes unlivable. Whether you rent a condo, apartment, or house in Alberta, Millennium provides simple, affordable coverage that fits your life.
Types of Tenant Coverages
Tenant insurance typically covers:
Covers personal belongings like furniture, electronics, appliances, and clothing from fire, theft, or damage whether they’re in your unit, in storage, or with you while traveling.
Covers medical or legal costs if someone is injured in your unit or if you unintentionally damage another unit. Includes legal defense costs and payouts within your chosen limit.
Pays for hotel stays, temporary rentals, meals, and related costs if insured damage makes your unit uninhabitable—so you can focus on recovery, not costs.
Personal Property Protection
Covers personal belongings like furniture, electronics, appliances, and clothing from fire, theft, or damage whether they’re in your unit, in storage, or with you while traveling.
Additional Living Expenses
Pays for hotel stays, temporary rentals, meals, and related costs if insured damage makes your unit uninhabitable—so you can focus on recovery, not costs.
Liability Coverage
Covers medical or legal costs if someone is injured in your unit or if you unintentionally damage another unit. Includes legal defense costs and payouts within your chosen limit.
Why Is It Important?
Landlords only insure the building, not your personal items or liability. Tenant insurance ensures you’re not left footing the bill.
- Protects you from costly liability claims
- Covers damage or loss to your personal belongings
- Helps pay for hotel stays and meals if your place is uninhabitable
- Meets landlord or lease requirements
- Gives you peace of mind at home
What Does Tenant Insurance Cover?
Tenant insurance protects the things your landlord’s policy doesn’t, your personal belongings, liability, and the cost of temporary housing if your place becomes unlivable.
Our core coverage includes:
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Personal Property: Coverage for your belongings like furniture, electronics, and clothing against fire, theft, or water damage.
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Liability Coverage: Protection if you're found responsible for damage to someone else's property or if a guest gets injured.
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Additional Living Expenses: Helps cover temporary housing, meals, and other costs if your rental is uninhabitable due to an insured event.
Customizable Add-Ons
Every renter’s lifestyle is different, which is why we offer flexible add-ons to enhance your coverage and give you extra peace of mind.
Add-on options include:
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High-Value Items: Additional protection for jewelry, collectibles, bikes, and more.
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Sewer Backup & Overland Water: Coverage for common Alberta water risks like basement flooding.
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Identity Theft & Fraud Recovery: Helps you recover costs and regain control if your identity is compromised.
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Equipment Breakdown: Covers unexpected failures of home electronics or appliances.
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Tenant Liability Increase: Raise your personal liability limits for extra peace of mind—especially if you host guests or live in multi-unit buildings.
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Coverage for Approved Upgrades: Protect permanent improvements you’ve made—like closet shelving, lighting, or built-ins—with your landlord’s permission.
What Every Tenant Should Know
From coverage limits to what’s really protected, here’s what many renters overlook but need to know.
We've got answers
Frequently asked questions
Tenant insurance is more affordable than most expect, often costing less than a monthly streaming subscription. The price depends on several factors, including where you live, the amount of coverage and deductible you select.
Yes, tenant insurance policies often include sub limits for high value items such as bicycles, jewelry, art, or musical instruments. If you own items worth more than the included coverage, you can increase your limits or schedule the item separately to ensure full protection.
Yes, most tenant insurance policies extend limited coverage to your belongings even when they’re away from your rental. Always confirm your policy limits and duration of off-premises coverage.
Liability coverage helps protect you if you're found legally responsible for accidentally damaging someone else's property or causing injury. For example, if you leave the tub running and it damages the unit below, or you accidentally damage a permanent fixture in your rental, liability coverage can help cover repair or legal costs.
No. Your landlord’s insurance only covers the building and any fixtures they own. It does not cover your personal belongings or your liability if someone gets hurt in your unit. That’s why tenant insurance is essential for renters.
No, tenant insurance is not legally required in Alberta, but many landlords include it as a condition of the lease. Even if it's not mandatory, it’s strongly recommended to protect your belongings and personal liability.
Most tenant insurance policies only cover the named insured. If you have roommates, they should get their own policy unless you specifically add them to yours. Sharing coverage without being named can lead to issues during a claim.
Yes, your policy can be personalized to fit your lifestyle. You may need extra protection if:
You run a business from your rental
You own high-value items like jewelry, art, or collectibles
You have seasonal or secondary properties
Add-ons can help you stay fully protected in situations where standard coverage might fall short.