Tenant Insurance in Ontario

Renting doesn't mean your belongings aren't worth protecting. Whether you rent a house, apartment, basement, or condo -- tenant insurance covers your stuff, your liability, and your temporary living costs if something goes wrong.

416-628-1962

Have Ready for Your Quote:

Your rental address
Type of dwelling (apartment, house, basement)
Estimated value of your belongings
Any high-value items (jewelry, art, instruments)
Current policy (if switching)

For general guidance only. Coverage details vary by insurer and policy. Contact your broker for advice.

What Tenant Insurance Covers

Personal PropertyStandard

Furniture, electronics, clothing, jewelry, and all your belongings against theft, fire, and other covered perils.

Contents Away From HomeStandard

Your belongings are covered even when they're not in your unit -- in your car, at work, or while travelling.

Personal LiabilityStandard

Covers legal costs if someone is injured in your unit or you accidentally damage the landlord's property or a neighbour's.

Additional Living ExpensesStandard

Temporary housing and living costs if your rental becomes uninhabitable due to fire, flood, or another covered loss.

Water DamageOptional

Sewer backup and overland water are usually optional endorsements. Ask your broker to add them -- water damage is the #1 claim.

Identity TheftOptional

Some policies offer identity theft coverage to help with recovery costs if your identity is stolen.

Your landlord's insurance does NOT cover your belongings.

Many renters assume their landlord's policy covers them -- it doesn't. If there's a fire, theft, or water damage, your landlord's insurance covers the building, not your personal belongings or your liability. You need your own tenant insurance policy. Most landlords also require it in the lease.