Apartment safety tips


One only has to look at new construction to see that more and more people are choosing to live in high-rise condominiums and apartment buildings. They like the convenience. They like the security. Speaking of which, various methods are used to keep these buildings secure from trespassing, theft and vandalism. However, home insurance is still necessary to help cover the replacement of personal contents, should a burglary or fire occur.
Security devices, such as deadbolt locks on doors, window locks, controlled-access entrances and well-lit common spaces all contribute to a secure building. However…

Always be aware of your surroundings

Starting with the lobby

  • Open the lobby door only for people you know. Unknown or suspicious persons should be reported to the building superintendent or security staff
  • Use only your initials and last name to identify yourself on the lobby directory

Elevator Security

  • Look and see who is in the elevator before entering. If you feel uncomfortable, do not enter the elevator, wait for the next one
  • If a suspicious person enters the elevator, leave before the door closes

Just moving in?

  • When moving in, either have the superintendent change the locks or if permitted, you can do it yourself to a professional standard, and ensure the superintendent is given a key for emergency access


  • If you are out, arrange for deliveries to be received by the building superintendent, security desk or a trusted neighbour

The laundry room

  • Do not go into laundry rooms or other common areas alone; it also may be safer to do things like laundry, recycling, etc. during daytime and early evening hours rather than very early or late at night
  • Even if you're only leaving your unit for a few minutes, make sure you lock up and take your keys with you

Parking Garage Security

  • Be aware of your surroundings. Watch for suspicious persons as you enter the garage. Don't go into the garage alone or leave your vehicle if you are concerned
  • Ask building management to install security cameras and alarm stations
  • Always keep your car locked and remove any valuable items

Apartment locker

  • Do not store valuable items in an apartment locker. This space should be used for seasonal items like holiday decorations, air conditioners, etc. that you don't have room for in your unit

Who's responsible for what?

What if there's a break-in into your condo or apartment? Or there's a fire? Who pays? The contents in each unit are the responsibility of the people living there. You can also be held responsible for damages to other units for situations like overflowing a bathtub. That's why home insurance makes good sense. It helps cover the cost to replace your belongings if you are burglarized. Home insurance is like a safety net all owners or tenants should have.

Consider PC® home insurance. If you're stretched for time to shop around, no worries, because PC home insurance will do it for you. When you get a quote at pcinsurance.ca, up to 8 insurance companies are compared on your behalf. PC home insurance takes the time to look for the best rate and coverage they can find for your situation. Visit pcinsurance.ca for more information and a no-obligation quote.

How to make a claim

Call 1-877-251-8656 to speak with a Claims Advisor.

Renewing your policy

Call 1-877-251-8652 for information regarding policy renewal.

Buying a new policy

Call 1-866-660-9035 for information on obtaining a quote.

Need help?

Take a look at the top 5 FAQs:

  • Why should I have home insurance?

    Why should I have home insurance?

    While the government doesn't require you to purchase home insurance, your mortgage-holder probably will - at least enough to cover its share of ownership. There are various kinds of home insurance that cover general and specific kinds of damage to your home, and you should research your options carefully. You can also buy specialized insurance to cover a condominium, home business, or other kind of property or valuables found in your home.

    Home insurance also includes liability coverage for people who are hurt on your property.

  • Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Why should I buy tenant's insurance when I live in an apartment and don't have many contents or valuables?

    Most people would be surprised at the value of their personal property if they were to add it up and have to replace it all immediately. Think about your furniture, clothing, electronic equipment-then try to put a price tag to it all. Also, if you've purchased items on credit and they are stolen or destroyed by fire, you could still have to make the payments.

    Tenants insurance also includes liability insurance for damage the tenants or their guests cause to the building, for injuries in the rented home, etc.

  • How can I earn PC Optimum points?

    How can I earn PC Optimum points?

    When you use your President's Choice Financial® MasterCard® to pay your PC home insurance premium, you'll get 20 PC Optimum points per dollar of your premium. If you use your President's Choice Financial bank card to pay your PC home insurance premium, you'll get 10 PC Optimum points per dollar of your premium.

  • What is a deductible?

    What is a deductible?

    A deductible is your share of the amount that needs to be paid to cover the repair or replacement of your covered property before your insurance pays the rest.

  • How are premiums calculated?

    How are premiums calculated?

    The building itself has a lot to do with how your home insurance premiums are set. Many things about your home are taken into consideration including:

    • Its age and size
    • Type of building (detached, semi, high rise, etc)
    • Type of construction (brick, stucco, wood, etc)
    • Type of heating system
    • How close it is to a fire hydrant or fire station
    • Where it is located

See all Home Insurance FAQs


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