What is the tenant's interest in household property insurance?
When you make changes to a rental property—for example, to the bathroom or kitchen—this is referred to as a “tenant improvement.” A glued-down hardwood floor—as opposed to click-lock laminate—is also a modification that falls under the tenant’s interest. This also includes improvements to the property made by the previous tenant that you have taken over in exchange for payment. The landlord does not insure these items, so it is advisable to arrange insurance for them yourself.
How do I ensure tenant coverage under a household contents insurance policy?
You can include the improvements you make to your rental home under your personal property insurance policy. This is often covered up to a maximum amount. When taking out your personal property insurance, make sure this amount is sufficient for your needs.
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