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Additional Living Expenses
You’re feeling inspired by your inner chef, but end up setting fire to half your kitchen and living room. Your insurance policy will pay the extra costs you incur living at a temporary location if you are forced out of your home for any reason.
This will cover all your personal belongings, AKA your “stuff” in case of theft, fire, water damage or pretty much anything else that could happen. From your collection of shoes to that vintage guitar you never play (but definitely will… someday), your contents are all the things you’ve bought, meant to re-gift and borrowed but forgot to return to a friend.
If someone, let’s call them “that guy,” steals your identity, your policy coverage will kick in to cover most expenses you will incur due to the damage that was caused. This includes everything from legal fees to professional fees charged by lawyers or notaries to defense costs and even cover loss of income! The coverage even extends to your spouse, children under 21 and relatives living in your home.
As the saying goes, accidents happen. For instance, if the delivery guy slips and injures himself, your insurance policy will extend to cover liability claims. It will also cover you if you lose track of time and accidentally let your bathtub overflow, damaging the unit below you.
Gross right? Your insurance policy will cover losses from the backing up of sewage into your home or damage caused by water escaping from appliances or a pipe that bursts.
Quickly, Easily, Online
From viewing your insurance policy, making changes, checking payments, and reporting a claim you can do it all with your Mello Insurance account. In minutes, from anywhere, using any device, we make it all simple!
At Mello Insurance we strive to give you the best coverage at the best price. Having a Tenant or Renters Insurance policy, in Saskatchewan, is more crucial than one would think. In Saskatoon, Regina or even in small-town Saskatchewan, it is important to carry Renter’s Insurance. Whether it is in your basement suite, townhouse or apartment, it is important to properly insured. Renter’s Insurance is there to protect your belongings, your betterments and improvements, additional living, as well as the liability risks that come with being a tenant of a building. The landlord’s insurance does not cover you, your actions or your stuff. A common question is, “I can’t afford insurance, it’s too expensive!” In Saskatchewan, Renters Insurance can be very affordable; you can insure your possessions for less than $1 a day.
Many people say, “I don’t need Renter’s Insurance, my stuff isn’t worth anything.” However, if you were to look around and add up all your belongings, would you be able to afford the costs to replace it all? This is why Renter’s Insurance is so vital. It protects you from being financially crippled due to an unfortunate and unforeseen loss.
As a renter, it can be easy to assume that you don’t need insurance. After all, you don’t own the property you’re living in, so why would you need to insure it? The truth is that renters insurance can provide valuable protection for your belongings and liability coverage in case of accidents or damage.
At Mello Insurance, we offer renters insurance policies that are specifically designed to meet the needs of renters. Here are some of the key benefits of renting insurance through Mello Insurance:
- Protection for your belongings: Renters insurance can provide coverage for your personal belongings, such as furniture, electronics, and clothing, in case they are damaged, stolen, or destroyed due to a covered event, such as fire or theft. Mello Insurance can help you choose the right coverage limits to ensure that you have adequate protection for your belongings.
- Liability coverage: If someone is injured while visiting your rented property, you could be held liable for their medical bills and other damages. Renters insurance can provide liability coverage to protect you in case of accidents or damage that occurs on your rented property.
- Affordable coverage: Renters insurance through Mello Insurance is often very affordable, with policies starting at just a few dollars a month. This means that you can get valuable protection for your belongings and liability coverage without breaking the bank.
- Customizable coverage: Mello Insurance offers customizable coverage options, so you can choose the coverage levels and deductibles that best suit your needs and budget. You can also add on additional coverage, such as jewelry insurance or flood insurance, to further protect your belongings.
- Peace of mind: Renters insurance can provide peace of mind, knowing that you have protection for your belongings and liability coverage in case of accidents or damage. With Mello Insurance, you can rest easy knowing that you’re protected.
Side note, Saskatchewan is a great place to live. Our province has beautiful sunsets and open roads heading anywhere you want to go. Our communities of Saskatoon, Regina and Prince Albert are growing at a rapid pace. Regina has the Saskatchewan Roughriders and the new Mosaic Stadium and is full of beautiful walking and biking trails beside Wascana Lake. Along the South Saskatchewan River you’ll find the Meewasin Trail in Saskatoon. The city of Prince Albert is close to many beautiful northern lakes. There are many attractions in Saskatoon, Regina and Prince Albert. The Saskatoon Blades playing against the Regina Pats or Prince Albert Raiders are always action-packed games or come to a Saskatchewan Rush game for some high energy fun. Saskatoon has the University of Saskatchewan and Regina has the University of Regina, both Universities offer excellent education and you’ll leave with a great opportunity. While attending, you need to make sure you have your belongings insured as your tuition will not cover them. As a Saskatchewan University student, your parent’s home insurance will most likely cover your belongings, it is important to check with their insurance carrier to see what limits they provide. However, when you are done school, you will need to have your own Renter’s Insurance. If you would like to learn more, or set up a policy, while attending the University of Saskatchewan or Regina or any post secondary school in Saskatchewan, please contact us at Mello Insurance and we would be happy to take care of this for you.
Saskatchewan is also known for picking your own Saskatoon Berries, or maybe just buying them at the Saskatoon Farmer’s Market, downtown Saskatoon. Almost everyone loves Saskatoon Berry pie, so why not try to make it? Sounds easy enough. While your Saskatoon Berry pie is baking in the oven you have become distracted watching the Saskatchewan Roughriders win the Grey Cup causing the Saskatoon Berry pie to fully boil over causing your oven to start on fire. The fire spread causing extensive damage to your suite and to the entire apartment building itself. Now who is going to pay for the damages? And where will you live? The cost of a liability claim is typically outrageous and could leave you in financial ruin. However, the liability, which is included in your Tenant Insurance, will help cover the loss to the apartment building. This is a prime example of why third party liability coverage is the NUMBER ONE reason why you need Tenant Insurance. In this example, you’ll also utilize the Additional Living Expenses coverage to recapture the temporary living expenses you’ll have, up to a certain amount (starting at $6,000), if you are unable to live in your home due to an insured peril (eg: fire).
Saskatchewan also is prone to have very cold winters with lots of snow. If you had a snowblower that has been unfortunately stolen this would be covered by your Renters Insurance.
We all have that one friend or child who like to push the limits of the …. toilet. So thanks to them and an unfortunate blockage in the sewer line, your rental home is now full of raw smelly sewer water. Luckily, with Mello, sewer back-up coverage is automatically included in your Renters Insurance policy.
Dishwashers are a dream to have, except for when that hose becomes detached and there is water spraying everywhere. Now your rental suite looks like one of the outdoor pools in Regina. Fortunately, the damaged caused by the water escape or rupture would be covered by your Renter’s Insurance. Your betterments and improvements coverage might come into play if you had replaced your flooring with nice hardwood or laminate and is now wrecked by the water damage. The landlord’s insurance policy might only need to replace the damaged flooring to the previous vinyl flooring that was installed prior. You can keep your upgraded material by implementing this coverage.
Identity theft is a very scary but very real possibility in Saskatchewan. Your Renter’s Insurance provides up to $15,000 coverage for expenses related to restoring your identity. With our insurance carrier, your Tenant Insurance also includes FREE, unlimited access to a legal support group with a lawyer, in case you ever feel personally wronged and want to seek legal counsel.
Thank you for choosing Mello Insurance. We are here to help you get insured quickly, easily, online and most importantly, ACCURATELY!