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Chances are your landlord already has insurance protecting the valuables in the home you're renting. Which begs a good question. If I'm a renter, why do I need renters insurance? Renters insurance will cover your personal belongings. Your art work, furniture, jewellery, electronics and other itmes would not be covered under your landlords insurance.
Most renter's insuruance packages in Canada will also protect you against personal liability. This includes instances where you might have damaged a neighbours property or if a friend of family member injures themselves while visiting your rental property.