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RenewalCheck
Know what you’re signing before you renew.
March 15, 2026
45 Elmwood Drive, Halifax NS
Policy RC-2026-44821 · Northgate Insurance · Sample Holdings Ltd.GOOD
Period
Jan 1, 2026–2027
Building limit
$875,000
Deductible
$5,000
Premium
$3,890
Summary
This is a commercial landlord policy for a 3-unit rental property built in 1987, covering the building, contents, rental income, sewer backup and water damage on a replacement cost basis. It includes $2M commercial general liability and is underwritten by a syndicate of insurers through a Canadian specialty insurer.
Strengths & Concerns
Strengths
● Replacement cost coverage with no depreciation at claim time
● Rental income protection covers lost revenue during repairs
● Sewer backup & water damage explicitly included
Concerns
● $5,000 deductible on every coverage line
● Older build may create underinsurance risk
● Sewer backup sub-limit may not cover a major multi-unit water event
Risk flags
High
Potential underinsurance on older building
Construction costs have risen sharply. The $875,000 limit may not cover a full rebuild.
High
Tenant restriction warranty clause
A tenant activity that violates a warranty clause could result in a denied claim.
Medium
Sewer backup sub-limit
Sewer backup coverage is capped at $50,000 — well below the cost of a major water damage event in a multi-unit building. Consider requesting a higher sub-limit at renewal.
This report was generated by AI for informational purposes only. It does not constitute licensed insurance advice. Consult a licensed broker before making coverage decisions. · renewalcheck.ca
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01
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02
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03
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Pricing

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