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Age 28-37Household of 2No children at homeRenting

Dual-income couple, renting in Winnipeg: insurance assessment

Seven product lines assessed for a 28-37 household, Household of 2, Renting

Estimated yearly cost of essentials
$1,753–$2,301/yr

What usually gets missed

⚠ RentersSuggested coverage $50,000 · $213–$281/yr

Renters often assume the landlord policy covers them. It covers the building, not your belongings or your liability

⚠ Critical IllnessSuggested coverage $100,000 · $252–$288/yr

Two incomes carry one budget: either one stopping breaks it

All seven product lines

Renters
10 carriers
EssentialSuggested coverage $50,000$213–$281/yr
Auto
10 carriers
EssentialSuggested coverage $2,000,000$1,540–$2,020/yr
Critical Illness
6 carriers
RecommendedSuggested coverage $100,000$252–$288/yr
Travel
6 carriers
RecommendedSuggested coverage $1,000,000$22–$39/yr
Term Life
6 carriers
RecommendedSuggested coverage $900,000
Est. annual return 3%
$315–$378/yr

How this was calculated

  • · Illustrated annual return is an estimate only and is not guaranteed.
  • · Property coverage uses the rebuild band of the local median home (assessed $392,000)
  • · Life coverage uses DIME: income replacement + debts + final expenses + education, minus existing coverage
  • · Auto assumes the representative age, a sedan, and $2M third-party liability

Based on published rate tables and local property statistics. These are estimates, not underwriting decisions: your actual premium depends on your situation and the carrier.

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