Tenant Insurance

Tenant Insurance in Dartmouth

Many people in Dartmouth choose to rent their homes instead of buying, and there are several advantages to renting. For example, you do not have to worry about home maintenance and if the plumbing or roofing has a problem, it is not your concern. This can take a great deal of stress from daily living. However, even renters need to consider insurance and without a good Tenant Insurance policy, you could have a lot of financial problems to deal with. Here is a good example.

Fred and Martha lived for many years in their house and once the kids were grown, they didn’t want to deal with all the work and upkeep. In fact, Fred wanted to take it easy and not worry about mowing the lawn, trimming trees, or shoveling snow, so the couple decided to sell their house and move into a beautiful apartment in Halifax.

Martha and Fred would not just save a lot of time, they would save on insurance because they would no longer own a house. Once the house was sold, the couple got ready to move and it didn’t take long before they were in their new home.

Life was much easier and because Fred was retired he spent a lot of time on the golf course when the weather allowed. The apartment complex also had a convenient club house and swimming pool, and they got to meet a lot of people and make several new friends.

One evening, Martha and Fred returned home to a huge mess. Someone had broken into their apartment and stole many things of value, including Fred’s coin collection and Martha’s best jewellery. In addition, the thieves had completely trashed the interior, looking for items of value. The total loss to the couple was more than $10,000 and they were devastated.

Fred had been meaning to talk to his insurance broker about Renters Insurance, but never got around to doing so. As a result, he and his wife had to deal with the terrible loss, extensive cleanup, and repairs that followed. If only Fred had taken out a renters policy before this happened, everything would have turned out differently.

What is Tenants Insurance?

Renters face many of the same problems as home owners when it comes to insurance. In fact, no matter where you live (including an apartment) you are not without risks and a renter’s policy is designed to cover those risks, and reimburse you when disaster occurs.

Who Needs Tenant Insurance?

Do you rent or lease your current residence? If so, you should consider insurance for renters. This includes:

  • Apartments
  • Duplexes
  • Condos
  • Town homes
  • Private residences

Standard Renters Insurance

When you rent, you should buy a Tenants Insurance package policy that not only protect your contents but also gives you liability protection. Here are reasons why:

  • Your things could be stolen or lost/damaged in a severe event.
  • A leaky roof could damage your furniture or electronics.
  • You may have to live in a hotel while your place is being repaired/rebuilt after a fire.

Some accidents may be the landlord’s responsibility, but these injuries may be your responsibility:

  • Your dog could bite someone.
  • Someone may become injured by tripping over furniture that you arranged.
  • Water damage could ruin all of your possessions and the person(s) living underneath your apartment.
  • While away on vacation, you accidentally injure someone and they are suing you for damages.

Tenant Insurance Options

You have several options to consider for your insurance, like these:

  • Enhanced water damage (overland water) and sewer backup insurance – what would you do if your things were damaged after heavy rainfall and the landlord did not carry Flood Insurance?
  • Items of high value or other special or sentimental items
  • Higher liability insurance limits

Where Can I Get the Best Renters Insurance in Dartmouth?

You could go to many different insurance sources in the Halifax/Dartmouth area and find some good policies. However, if you want to make sure you have the best possible combination of coverage, rates and service, consider talking to an experienced insurance professional from Founders Insurance Group.

When you get Tenants Insurance from an agent that represents only one company, you are very limited in your choices. That is why you should consider an independent brokerage like Founders Insurance Group, because we have access to many high-quality insurance companies in Canada. We can provide you with an affordable standalone policy and if you want to combine your policy with your Auto Insurance, you can maximize your savings. We also offer low limit policies for those just starting out in apartments.

Founders Insurance Group can help you with all your insurance requirements including life insurance, and insuring your home based business. We have been helping Nova Scotia with its insurance needs since 1982. If you would like to talk to us about Tenants Insurance, you only need to pick up the phone and call 902-468-3529 in Dartmouth. You can also call us toll free at 1-877-798-5981.

Free Insurance Quote

Personal Insurance Quote


  • I wanted to put in a good word for Janice who has been absolutely excellent to work with. I had been with another company for many years and was just introduced to Janice via my boyfriend this year. She has been very efficient and knowledgeable! A real pleasure to work with.

    Roz P.
  • Going the Extra Mile From working in customer service myself, I know it can be a challenge dealing with all types of people. Sadly, the public is the first to make a complaint, but never a thank you, it seems. Peter Aalders was a pleasure to deal with and certainly gave me the information accurately and promptly. Peter even commented on the discounts he applied and the different companies he contacted to give me the info I needed to make my decision. That was the 'extra mile' he gave to an unknown caller. Thank you for such prompt response and being so courteous on the phone to me, including the receptionist!

    Angela M.
  • I have been a client of Janice Pottie for about 9 years for both my house and auto insurance. I just wanted to let you know that Janice has always provided top notch customer service and has always provided me with efficient, reliable information.  Sometimes brokers (insurance companies) get a bad rap with respect to quality customer service.  This has never been the case with Janice and I felt it was important to give credit to someone where credit is due. You’ve got a great employee!!  

  • Beyond the Call of Duty My daughter and I were in a car accident on December 11th. I was told on December 22nd that my car was a total loss. I was called by Janice Pottie on December 23rd to let me know that the cheque had arrived. I was very thankful for her call and email. She had told me which documents I needed to pick up the cheque. I arrived after the office was closed, however Steven Taylor stayed late until I arrived. I arrived with the wrong paperwork. I then asked Stephen if he could meet me in the office once I found my paperwork, which we thought would be between Christmas and New Year. However, I had gotten home and found the paperwork that Aviva required. I called Stephen and he came back to the office to meet me! In my opinion, that is way above the call of duty! I have so much respect for him and I want to let you know that he deserves to be thanked. Again, hats off to your company and the fabulous staff you have working there! Again, from the bottom of my heart: Stephen, thank you so much! All the best in the new year!

    Debbie B.
  • Sympathetic & Caring My insurance agent's name is Janice Pottie, however, I call her Rockstar. I have been dealing with Janice for almost a year and she has always presented herself in a very friendly and professional manner. In the summer of 2010, I had the misfortune of being involved in 2 car accidents within a 4 week span. It was a very stressful time for me because I'm a newly graduated driver and I'd never been in an accident before. Having Janice to help me through the process was fantastic. She listened to my concerns, answered all my questions, no matter how many or how often. I also found her to be very sympathetic and I knew she cared about the situation I was in and would do whatever she could to help me through it. In my experience dealing with Janice, she has also been very knowledgeable, detailed and quick to give me all the information I need for whatever the situation may be. I feel very confident in recommending Janice Pottie to my friends and family as an insurance agent that you can trust. Thank you so much, Janice, for the service you have provided me. I greatly appreciate it.

    Sandra B.

DON’T WAIT. Get a quote today!

CALL Us at 902-468-3529