Your landlord’s policy covers the building, not your laptop, your sofa or the neighbour’s ceiling when your tub overflows. A short case for renters’ insurance, and what to check before you buy it.
First and last month’s rent is the number everyone plans for. The truck, the overlap, the hydro deposit and the new shower curtain are the ones that empty an account.
Rent is the same cheque every month, but the year around it is not, so I tracked twelve rent days to see where the real pressure points were.
Your lease, your city’s bylaws, your insurance and the CRA all have something to say about the business on your kitchen table, and most of it is manageable once you know where to look.
