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Avenue Living Tenant Program
Welcome to Sharp Insurance! We’re proud to provide you with tenant insurance in partnership with Avenue Living. As an independent, award-winning insurance brokerage, we’re here for you. Our knowledgeable staff will work hard to give you a great experience whether we’re connecting on the phone or sending an email.
Here is what Sharp is offering you:
- $2 million liability coverage in case someone is injured while visiting you
- $15,000 to help you replace your belongings in the event of a claim
- $6,000 for additional living expenses such as hotels if you cannot live in your home due to an insured loss
- $5,000 for sewer backup & damage to your contents caused by sewage backup
- $1,000 deductible, if you’re making a claim to replace your belongings, you’ll need to cover the first $1,000
OR if you would like to increase your coverage, please contact Sharp Insurance at [email protected] or at 1.877.218.2008 to discuss or purchase this option:
- $2 million million liability coverage in case someone is injured while visiting you
- $30,000 to help you replace your belongings in the event of a claim
- $8,000 for additional living expenses such as hotels if you cannot live in your home due to an insured loss
- $5,000 for sewer backup & damage to your contents caused by sewage backup
- $1,000 deductible, if you’re making a claim to replace your belongings, you’ll need to cover the first $1,000
About Sharp Insurance
Established in 2008, Sharp Insurance is an independent and award-winning insurance brokerage that provides a variety of personal lines and commercial insurance options to Canadians. Part of the Synex Business Performance group of companies since 2020, Sharp maintains its local brokerage feel, while being backed by a well-established national organization. Providing honest advice and protecting its clients remains at the forefront of Sharp’s identity.
Claims and Questions
If you have questions, please give us a call at 1.877.218.2008, or send us an email at [email protected]. If you need to place a claim, please email [email protected].
Customer FAQs
If you need to place a claim, please email [email protected].
No payment is required: it is included your tenant’s agreement with Avenue Living.
If you upgrade your coverage you can pay online here: https://www.policypayments.com/sharp?step2
All occupants listed on the lease would be covered by the insurance policy.
If they’re on the rental contract they are automatically covered, if they’re not listed on your lease you will need to contact Avenue Living to discuss your options.
All the occupants that are listed on the lease would be covered by the policy.
It’s a per-apartment policy, and everyone who lives in your unit should be listed on your lease with Avenue Living.
To increase your policy coverage, you can call us at 1-877-218-2008 or send an email to [email protected]
Not currently.
The deductible is applied to the claim first, and then any covered loss in excess of the $1000 is paid by the insurer. So, if your claim involves replacement of a piece of personal property, for example, your TV/Stereo system, and the cost to replace it is $3500, you will pay $1000, and the insurer would cover the remaining $2500.
Like any policy there are exclusions and those are detailed in your policy wordings.
If the lost item is subject to a limit, which is detailed in the policy wording, that limit would apply. If the available coverage isn’t adequate, you may be able to purchase an additional policy to cover the item(s), please contact Sharp Insurance to discuss your options.
Best practice is to have an inventory or take a video once a year of everything you own and keep it in a safe place.
You always have the option to opt out of the Avenue Living Tenant Program insurance policy; however, as the cost is included in your agreement, there is no financial benefit to not participate. You are welcome to purchase an excess policy to meet your specific needs. You can call Sharp Insurance at 1.877.218.2008 to discuss your options.
If you move out of your unit, the policy will automatically cancel. There is no need for you to take any action. To cancel your policy while remaining in your unit, please contact your landlord.
Yes you can cancel your policy, please cancel your policy through Avenue Living. You could also keep the policy you already have, in order to ensure you have adequate coverage for example, in the event of the claim, both policies would respond proportionately.
You can opt out of the policy. If you would like to opt out, please contact your landlord.
No, this policy does not include vehicles. If you like, you can contact Sharp Insurance at 1.877.218.2008 to purchase your auto policy through them.
As they would be removed from the lease agreement, they would also be removed from the policy.
Yes, up to the policy limit
Yes
Yes
If you move out of the building your insurance stops. You would need to purchase your own policy for your new residence unless you move into another building that has an insurance program.
Automatically on April 1 of every year.
No, all the documents will be emailed to you, and if we do not have your email on file, you will receive your documents in the mail.
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