曾经有些客人问过我 “我的房客买保险了，我为什么还要买？”或是一些租客问我：“我买保险为了保护什么？这个房子也不是我的。”其实直接从保险的价格看，就知道两个保险的本质的区别。假如是一个独立屋，房客保险一般在$120-$260左右一年，房东保险，或是出租屋保险要在$900 以上，这要取决于很多因素。我这里想说的是：价格差距那么大，保的东西也一定不一样。保险公司承担的风险越高，保费就越高。那么房客和房东保险的区别在哪里呢？
房东的租房保险（Rented Dwelling Insurance）
房东的租房保险和我们自住房的保险很相似，只不过房子的用途是用来出租，而不是自住。包括以下的条款
- 房子本身（Dwelling Building）
- 分离建筑保险 (Detached Private Structure )
该保险适用于与房子分离的建筑，如分离车库。该保险不包括任何商业或农业途的用户建筑
- 物品 (Content)
出租屋中的房东物品，如房东的家具，电器。损伤是由被保范围的危险所造的。
- 责任险 (Liability)
- 您所拥有的，使用的,给他人所造成的无意身体或物质伤害。比如风暴刮跑你家的屋顶，然后砸毁了邻居的窗户。或比如，有人在你家门口滑到了因为没有及时铲雪。
- 当保险公司给你打官司时，任何法律费用都有保险公司来承担，您无需找律师，只要配合就行。
房客保险
- 租客的个人财产 （personal Content）
- 租客的个人责任险 ( Liability)
- 比如租客邀请客人来他租的房子做客。客人不小心摔倒骨折了，租客的责任险会赔偿客人的医疗费用
- 额外居住费用 (Additional Living Expense)
- 假如租客住的房子因所保的灾害不能居住了，租客保险会提供租客临时住所的费用和额外生活费
以上可以看出房客与房东保险的区别。据保险公司的理赔员透露，很多情况下，房客会把地下室当成储物间，存储很多物品。一旦地下室遭到水灾, 如果他们没有租客保险的话, 房客就会像房东要索赔，。
如果租客不小心毁坏房子，理赔是要走房东保险的，然后再慢慢调查。最后房东的保险公司会决定是否向租客要赔偿。所以最理想的状态是房客保险和房东保险在同一家保险公司买。这样，自家保险的理赔，就方便多了。
如果租客故意毁坏房子，大多数保险公司是不保的。要知道出租房子本来就是有一定大的风险。如果想避免或减小租客毁坏发生，防微杜渐，要从根源开始。
每家保险公司的保险范围都会有较小的不同，如想咨询更多关于保险的信息，请您与我联系您
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8328 Edgevalley Drive NW in Calgary: Edgemont Detached for sale : MLS®# A2273966
8328 Edgevalley Drive NW Calgary T3A 4X2 OPEN HOUSE: Dec 07, 202501:00 PM - 04:00 PM MSTOpen House on Sunday, December 7, 2025 1:00PM - 4:00PM
$1,059,900Residential- Status:
- Active
- MLS® Num:
- A2273966
- Bedrooms:
- 6
- Bathrooms:
- 4
- Floor Area:
- 2,404 sq. ft.
Located on a quiet, family-friendly street in the heart of Edgemont, this beautifully upgraded west-facing home offers exceptional interior space, abundant natural light, and a rare, highly functional layout. Within walking distance of Edgemont School and the community center, this property features six bedrooms, three and a half bathrooms, a legal walk-out basement suite, and a mature 6,803 sq ft lot that perfectly blends modern upgrades with classic comfort. The exterior includes a tile roof and stucco finish, complemented by a double garage and an extended driveway that provides ample parking—practical, attractive, and ideal for everyday living. Inside, the soaring ceilings and sun-filled southwest-facing living room create a bright, uplifting atmosphere. Large curved bay windows allow natural light to pour in throughout the day, giving the entire space a sense of openness. The main floor includes a spacious bedroom with a large window, and the kitchen features brand-new 2024 marble countertops, a new dishwasher, a new washer and dryer, and a fully upgraded range hood with direct outdoor venting. The elegant new navy-black front door, upgraded garage door, and new backyard patio door all contribute to a modern and cohesive exterior look. The newly completed 2024 vinyl deck offers an ideal outdoor gathering space, complete with a natural gas hook-up for effortless summer BBQs. The second-floor bathroom was upgraded in 2025 with a new tub, tile, and shower fixtures. Both the main and second floors are equipped with Google Nest smart thermostats, and the basement has its own independent temperature control for year-round comfort and efficiency. Extensive upgrades completed in 2024 and 2025 ensure long-term comfort and peace of mind. These include over 30 brand-new windows with a manufacturer warranty of 25 years and a labor warranty of 3 years, custom zebra blinds, new flooring, a fully upgraded second-floor bathroom, replacement of key plumbing components, two new boilers, central air conditioning, a newly built deck with gas hookup, new marble countertops, a new dishwasher and laundry set, and two new outdoor-vented range hoods. Every detail reflects thoughtful improvements combining efficiency, durability, and modern aesthetics. The home is conveniently located near top-ranked schools, Nose Hill Park, and scenic pathways, with quick access to Superstore, Costco, and major routes including Stoney, Shaganappi, and Crowchild Trail. This is a truly rare offering in Edgemont—exceptional in space, upgrades, and location. High-quality homes like this are hard to find; book your showing quickly before it’s gone. More detailsListed by Grand Realty- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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79 Edenstone View NW in Calgary: Edgemont Detached for sale : MLS®# A2266558
79 Edenstone View NW Calgary T3A 4T4
$1,499,000Residential- Status:
- Active
- MLS® Num:
- A2266558
- Bedrooms:
- 5
- Bathrooms:
- 4
- Floor Area:
- 2,913 sq. ft.
An incredible and rare opportunity awaits in one of Northwest Calgary’s most sought-after enclaves — Edenstone in Edgemont. Perfectly positioned on a ridge lot backing onto green space, this executive two-storey home offers unobstructed views of the Rocky Mountains and over 4,000 sq. ft. of beautifully maintained living space. From the moment you step inside, you’ll feel the sense of scale and light. A grand foyer and curved staircase set the tone for the home’s timeless design, leading to open, airy living areas with vaulted ceilings and expansive windows that capture the stunning mountain views. The updated Kitchen features quartz countertops, a large island, abundant cabinetry, a walk-in pantry, and a convenient beverage station with bar fridge — perfect for both entertaining and everyday living. The adjoining Family Room, with two-storey windows that capture the panoramic mountain views and features a cozy gas fireplace, provides a warm and inviting gathering space. The main floor also boasts a formal Living Room with vaulted ceilings, a spacious Dining Room great for entertaining and a dedicated Home Office with custom built-ins. To complete this level there is a Laundry and Mudroom and a 2pc bath. Upstairs, the Primary Retreat is a peaceful sanctuary with a private Flex Space ideal for reading or morning coffees while enjoying the mountain vistas. The luxurious Ensuite features dual sinks, a jetted tub, tiled shower, and a spacious walk-in closet with custom organizers. Three additional Bedrooms and a 5pc bath complete the upper level. The fully developed Walkout Basement extends the living space with a large media and games area, wet bar, gas fireplace, and a Guest Bedroom with a 3pc cheater Ensuite Bathroom. Step outside to a beautifully landscaped west-facing yard with a stone patio and maintenance-free upper deck—a perfect spot to unwind and take in Calgary’s best sunsets. Pride of ownership is evident throughout, with updated furnaces (2023), central A/C, full Poly-B replacement, newer windows, and irrigation system. Ideally located close to top-rated schools, parks, shopping, and the Edgemont Athletic Club, this is an extraordinary chance to own a ridge-view residence that balances luxury, comfort, and unbeatable scenery. More detailsListed by Royal LePage Benchmark- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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119 Edgepark Villas NW in Calgary: Edgemont Row/Townhouse for sale : MLS®# A2253548
119 Edgepark Villas NW Calgary T3A 3S2
$669,788Residential- Status:
- Active
- MLS® Num:
- A2253548
- Bedrooms:
- 2
- Bathrooms:
- 3
- Floor Area:
- 1,477 sq. ft.
OPEN HOUSE NOV. 2, 1:00-2:30pm. Welcome to this extensively renovated bungalow villa featuring a walkout basement in the sought-after community of Edgemont. The removal of the kitchen dividing wall has opened up the main floor, that now features light colored kitchen cabinets, complimenting the quartz countertops and makes room for the new 10' foot island. Renovations have transformed the main bathroom, ensuite , flex room (bedroom or office) along with the massive primary bedroom that includes a spacious walk-in closet. Other focal points of the main floor are the cathedral ceiling, fireplace, balcony overlooking the courtyard and main floor laundry area that accesses the double garage . Both the main and lower floors have new vinyl flooring. The lower floor has a massive recreation area, where several activities can take place from a media room to room for a pool table or hobbies of interest and has access to a lower patio area. The basement also has a spacious flex room that can be used as a large office or workout area. There is also an addition large bedroom and full bath. Other modernizations of the home include new pex waterlines replacing the poly-b, new hi-efficient furnace and hot-water tank along with new windows and coverings. The balcony and patio overlook the large complex greenspace which features a central gazebo. Edgepark Villas is perfect for a retiring couple, but has no age restrictions. This location offers easy access to get around Calgary and is located close to shopping and transit and has easy access to community green space lined with walking paths. This home won't last long on the market, so book a preview or come to the OPEN HOUSE. More detailsListed by Houston Realty.ca- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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111 Edgebyne Crescent NW in Calgary: Edgemont Detached for sale : MLS®# A2263316
111 Edgebyne Crescent NW Calgary T3A 4B4
$684,900Residential- Status:
- Active
- MLS® Num:
- A2263316
- Bedrooms:
- 5
- Bathrooms:
- 4
- Floor Area:
- 1,213 sq. ft.
Welcome to your new family home that’s a 4 MIN WALK TO RAVINE PATHS/PLAYGROUND, nestled on a QUIET STREET, ready your growing family! This ORIGINAL OWNER home is in IMMACULATE CONDITION and really highlights the pride of ownership. Imagine coming home and appreciating the CURB APPEAL of the stucco exterior, more durable than many other siding options which provides extra peace of mind during hail season (fingers crossed). You’re entertaining guests tonight, so the extra 2 parking on the driveway (4 total including garage) and extra street parking on your CORNER LOT ensures your guests all get VIP parking. You feel the expansive openness when you step into your VAULTED CEILING entrance that spans the front living room, private dining, and kitchen. You feel lucky that many of the interior updates are already completed that makes this home MOVE-IN-READY: Carpets, interior paint, new baseboards (2017), and a newer HIGH EFFICIENCY FURNACE (2019). Putting the groceries away from your trip to Superstore (4 mins) and takeout from several restaurants (4 mins), you see that your partner already has the BBQ on the COMPOSITE DECK (also low maintenance and durable), and since you are both busy professionals, you are grateful for LOWER MAINTENANCE YARD. Going upstairs to put your stuff down, you enter your primary suite w/ FULL ENSUITE which is more rare in this era of home. 2 more larger bedrooms and full bath finish the top level, which continues to be great for your larger family. The first guests arrive and you invite them down to the third level living room to hang out and catch up since they are from out of town. You show them their guest bedroom and their own full bathroom so they can keep comfortable. Another out of town guest is arriving soon, and you will show them down the basement 4th level, where they have their own rec room space, bedroom, their own full bathroom, WET BAR, and private WALKOUT ENTRANCE. Based on this great layout, each family won’t need to share bathrooms! As your family grows in this home for the long-term, you feel comforted that K-12 schools (2-8 mins) and even UNIVERSITY OF CALGARY (10 mins) are all so convenient. You’re going to suggest a nice stroll on this hot summer evening after dinner at NOSE HILL PARK (4 mins) where you and your guests can enjoy the beautiful sunset, while children and pets can get the last bit of energy spent. On Monday, you can sleep in a bit more, since your commute is quite simple to DOWNTOWN (19 mins) or anywhere else you need to go with easy access to Crowchild Tr, Shaganappi Tr, and John Laurier Blvd. Make this dream your reality today, come see this home that’s ready for you! More detailsListed by Real Broker- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
-
57 Edelweiss Point NW in Calgary: Edgemont Detached for sale : MLS®# A2251887
57 Edelweiss Point NW Calgary T3A 4N5
$2,598,000Residential- Status:
- Active
- MLS® Num:
- A2251887
- Bedrooms:
- 7
- Bathrooms:
- 6
- Floor Area:
- 4,382 sq. ft.
Top of the Hill! Welcome to Edelweiss Point, an exclusive enclave perched above Calgary with sweeping views of Nose Hill Park, Downtown, and the Rocky Mountains. This extraordinary two-storey walkout spans over 7,000 sq. ft. of total living space, perfectly combining luxury, scale, and functionality. Fully renovated in 2023, the home features a stunning chef’s kitchen with quartz counters and premium appliances, rich hardwood floors, updated millwork, and walls of windows that showcase panoramic vistas from every level. With 7 bedrooms, 6 bathrooms, and generously sized rooms throughout, there’s space for family, guests, and entertaining. The walkout lower level includes a full kitchen, offering potential for a legal suite (with City approval). Outside, terraced landscaping flows seamlessly into the parkland below, creating a natural extension of your living space. Additional highlights include a triple garage and expansive driveway, combining style, convenience, and prestige. A rare opportunity to enjoy luxury living at Calgary’s most coveted hilltop address. More detailsListed by Sotheby's International Realty Canada- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
Data was last updated December 7, 2025 at 12:05 PM (UTC)
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