{"id":10307,"date":"2025-07-24T05:01:59","date_gmt":"2025-07-24T05:01:59","guid":{"rendered":"https:\/\/youset.ca\/?p=10307"},"modified":"2026-03-16T12:13:36","modified_gmt":"2026-03-16T12:13:36","slug":"renting-a-furnished-apartment","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/renting-a-furnished-apartment\/","title":{"rendered":"Renting a Furnished Apartment? You Still Need Tenant Insurance."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Furnishing an apartment from scratch isn\u2019t just a hassle\u2014it can <\/span><a href=\"https:\/\/www.msn.com\/en-ca\/money\/topstories\/it-can-cost-over-8k-to-furnish-a-new-apartment-here-are-3-tips-to-do-it-without-breaking-the-bank\/ar-AA1DELNG\"><span style=\"font-weight: 400;\">cost you over $8,000<\/span><\/a><span style=\"font-weight: 400;\">. That\u2019s according to <\/span><a href=\"https:\/\/www.furniturebank.org\/how-much-does-it-cost-to-furnish-an-apartment\/\"><span style=\"font-weight: 400;\">Furniture Bank<\/span><\/a><span style=\"font-weight: 400;\">, a Toronto-based charity that helps individuals and families in need. Between the sofa, bed, dining table, and everyday items like cookware and bedding, the expenses add up quickly, especially once you factor in taxes and delivery fees.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">So, when renters come across a fully furnished apartment, it can feel like hitting the jackpot. After all, you&#8217;re not just saving money\u2014you\u2019re also saving yourself the time, effort, and stress of turning an empty unit into a comfortable place to live.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">But there\u2019s one common misconception that could leave you financially vulnerable: assuming that because you didn\u2019t bring the furniture, you <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/is-tenant-insurance-mandatory-in-canada\"><span style=\"font-weight: 400;\">don\u2019t need tenant insurance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> <span style=\"font-weight: 400;\">In this article, you\u2019ll learn why that assumption could end up costing you hundreds, if not thousands, of dollars. <\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_3e051bdad217922d6ec2d73c44e48b51\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Even if you\u2019re renting a furnished apartment, you still need tenant insurance because it protects your personal belongings, and you might be surprised how quickly the value adds up. It also provides coverage for liability and additional living expenses if you\u2019re displaced.<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-you-need-tenant-insurance-for-a-furnished-apartment\">Do you need tenant insurance for a furnished apartment?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Yes, you should still have tenant insurance even if you\u2019re renting a furnished apartment. That\u2019s because tenant insurance covers your stuff (the belongings you bring with you).<\/span> <span style=\"font-weight: 400;\">And you&#8217;d be surprised just how much that \u201cstuff\u201d is worth.<\/span> <span style=\"font-weight: 400;\">Clothes. Personal tech. Sports gear. Gaming consoles. Musical instruments. The things you rely on every day add up fast. <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wardrobe (clothing, shoes, handbags, sunglasses, etc.): $2,000\u2013$5,000+<\/li>\n\n\n\n<li>Personal tech (smartphone, smartwatch, e-reader, tablet, laptop, etc.): $1,000\u2013$3,000+<\/li>\n\n\n\n<li>Personal Care (makeup, hair tools, grooming devices, etc.): $300\u2013$1,000+<\/li>\n\n\n\n<li>Small appliances (blender, coffee maker, air fryer, etc.): $200\u2013$1,000+<\/li>\n\n\n\n<li>Gaming (Xbox, PlayStation, Nintendo Switch, VR headset, gaming computer, etc.): $500\u2013$2,000+<\/li>\n\n\n\n<li>Furnishings (dishware, glassware, bedding, towels, etc.): $300\u2013$800+<\/li>\n\n\n\n<li>Media (books, records, games, DVDs, etc.): $200\u2013$1,000+<\/li>\n\n\n\n<li>Sports equipment (bicycle, hockey gear, golf clubs, skis, snowboard, etc.): $500\u2013$2,500+<\/li>\n\n\n\n<li>Musical instruments (guitar, keyboard, amp, etc.): $300\u2013$3,000+<\/li>\n\n\n\n<li>General hobbies (fitness equipment, photography gear, art supplies, etc.): $100\u2013$3,000+<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Even if you don\u2019t own everything listed, there\u2019s a good chance you own enough of it that replacing it all could easily cost thousands of dollars. And that\u2019s money you\u2019d have to pay out of pocket if you didn\u2019t have insurance and something like a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-home-insurance-cover-fires\/\"><span style=\"font-weight: 400;\">fire<\/span><\/a><span style=\"font-weight: 400;\">, break-in, or <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-tenant-insurance-cover-water-damage\/\"><span style=\"font-weight: 400;\">water leak<\/span><\/a> <span style=\"font-weight: 400;\"> were to damage the belongings in your apartment.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you think you\u2019d have a hard time coming up with thousands of dollars out-of-pocket at a moment\u2019s notice, you\u2019re not alone. <\/span><a href=\"https:\/\/www.rbc.com\/newsroom\/news\/article.html?article=125971#:~:text=With%20finances%20stretched%20thin%2C%20Canadians,risk%20over%20the%20next%20year.\"><span style=\"font-weight: 400;\">60% of respondents in a 2024 RBC study<\/span><\/a> <span style=\"font-weight: 400;\"> reported feeling like they don\u2019t have enough money to cover unexpected expenses, like this.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Fortunately, tenant insurance is a smart, cost-effective solution. <\/span><a href=\"https:\/\/youset.ca\/en\/tenant-insurance\/\"><span style=\"font-weight: 400;\">Starting at just $8 a month from YouSet<\/span><\/a><span style=\"font-weight: 400;\">, tenant insurance not only covers the types of belongings listed above but also offers liability and additional living expenses coverage, making it a comprehensive safety net.<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_3f5231f955d6c50187bbf4686109536e\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on tenant insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-reasons-why-furnished-apartments-still-need-tenant-insurance\">5 reasons why furnished apartments still need tenant insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">There\u2019s more than just one reason why you still need <\/span><a href=\"https:\/\/youset.ca\/en\/tenants-insurance-guide\/\"><span style=\"font-weight: 400;\">tenant insurance if you\u2019re renting a furnished apartment<\/span><\/a><span style=\"font-weight: 400;\">. In fact, here are five to consider:&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-requirement-of-your-lease\">Requirement of your lease<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Tenant insurance is often a condition in lease agreements, which you agree to uphold by signing. Failing to have it could breach your contract.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-protects-against-liability-risks\">Protects against liability risks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-tenant-liability-insurance\/\"><span style=\"font-weight: 400;\">Tenant insurance includes liability coverage<\/span><\/a> <span style=\"font-weight: 400;\"> so that expenses like medical or legal costs are covered if you&#8217;re responsible for injury or property damage to others.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-covers-displacement-costs\">Covers displacement costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your apartment is deemed uninhabitable due to a covered event, tenant insurance can help pay for the <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-additional-living-expenses-coverage\/\"><span style=\"font-weight: 400;\">additional living expenses<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-relatively-affordable\">Relatively affordable<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">On average, YouSet users pay <\/span><a href=\"https:\/\/youset.ca\/en\/tenant-insurance\/location\/best-tenant-insurance-quotes-ontario\/\"><span style=\"font-weight: 400;\">$27 a month for tenant insurance in Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/youset.ca\/en\/tenant-insurance\/location\/best-tenant-insurance-quotes-quebec\/\"><span style=\"font-weight: 400;\">$18 in Quebec<\/span><\/a><span style=\"font-weight: 400;\">, with policies starting at $8. Considering what it covers, this is a relatively small price to pay for the peace of mind it offers.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-personal-belongings-besides-furniture\">Personal belongings besides furniture<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-contents-insurance-in-canada\/\">Contents insurance<\/a> for your personal belongings is a standard component of tenant insurance and is meant to protect what moves into the apartment with you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Just because your apartment comes furnished doesn\u2019t mean you\u2019re free from the risks that tenant insurance is designed to cover. Fires, theft, water damage, and liability claims don\u2019t care whether the couch came with the place, and going without insurance could even breach your lease.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">That\u2019s why it\u2019s smart to get a policy that covers the value of your personal belongings and at least $1 million in liability. With YouSet, you can do it all in under 4 minutes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Furnishing an apartment from scratch isn\u2019t just a hassle\u2014it can cost you over $8,000. That\u2019s according to Furniture Bank, a Toronto-based charity that helps individuals and families in need. Between the sofa, bed, dining table, and everyday items like cookware and bedding, the expenses add up quickly, especially once you&#8230;<\/p>\n","protected":false},"author":11,"featured_media":10308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[463],"tags":[],"class_list":["post-10307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Renting a Furnished Apartment? 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