Firefighter at a rented home damaged by fire

In the event of a claim

Get your policy information

Get your policy information

So our experts can help you better and faster.

Call us as soon as possible

Call us as soon as possible

If it's out of business hours, call our emergency line - For ON, AB and BC: 604-983-8787 / QC: 514-891-4672

A dedicated team of professionals

A dedicated team to help

Our reliable partner Maxwell Claims will be helping you with your claim.

Details about the Unpaid rents protection

When does the coverage start and end?

Usually, the Unpaid rents coverage will start from the day following the tenant’s rent ‘paid to’ date, through until whichever of the following occurrences occurs first:
a.    Your property is rented out again
b.    The lease expires, or
c.    The insurance limit shown on your policy is reached.
 

How we calculate what we will pay

1.    We determine the applicable weekly rent - shown on the current lease or your insurance policy, whichever is less.
2.    We multiply the applicable weekly rent by the number of weeks that you are entitled to.
3.    We deduct from this amount any available deposit money from the tenant, OR 4 weeks rent; whichever is the greatest. 
4.   We deduct the excess (i.e. the portion of rent that remains at our expense, usually 25%) shown on your insurance policy.

Which documents do you need to provide?

In the event of a claim under the Unpaid rents protection, you would need to send us:
1.    A copy of the signed lease;
2.    A copy of the tenant’s rental payment history;
3.    A copy of the lease termination notice for rent arrears issued to, or court orders issued against the tenant.
4.    Evidence of dated advertising to demonstrate your efforts to rent again your property;
5.    Evidence of the tenant's credit score at 660 or above, OR the rent shown on the lease is lower than 40% of the tenant's gross income.
6.    Any other relevant documents.

Details about the Damage by tenants protection

How we calculate what we will pay

1.    We determine the amount of loss or damage that is covered,
2.    We deduct from this amount any available deposit money from the tenant, 
3.    Then we deduct the deductible shown on your insurance policy.

We will not pay more than the applicable limit of insurance on your policy.

Which documents do you need to provide?

In the event of a claim under the Damage by tenants protection, you would need to send us:
1.    A copy of the signed lease;
2.    A copy of the tenant’s rental payment history;
3.    Copies of entry/exit and routine property inspection reports along with photos;
4.    Evidence of dated advertising to demonstrate your efforts to rent again your property;
5.    Proof of ownership i.e. receipts, valuations, photographs, warranties, instruction manuals etc for items which have been stolen or damaged;
6.    Evidence of the tenant's credit score at 660 or above, OR the rent shown on the lease is lower than 40% of the tenant's gross income.
7.    The police report number report if the malicious damage or theft is expected to exceed $10,000;
8.    Any other relevant documents.