Landlord insurance is specialized property coverage for tenant-occupied rentals in Canada. It typically protects the building against fire, storm, and other insured perils; covers the owner's liability if someone is injured on the property; and may include loss of rental income while the unit is uninhabitable after a claim. Unlike a homeowner policy (which assumes you live there) or tenant/renters insurance (which covers the renter's belongings), landlord insurance is built for investment-property risks. Most Canadian lenders require proof of landlord or rental-property insurance before funding a mortgage.
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