Tenant & Renters Insurance

Your landlord insures the building. Tenant insurance protects everything that's yours.

Renting in Ontario? Your landlord's policy covers the building, not your possessions or your liability. Tenant (renters) insurance protects your belongings against theft, fire, and water damage, and covers you if you're held responsible for injury or damage.

Many Ontario landlords now require proof of tenant insurance before you sign a lease — we make it fast and inexpensive to get covered.

What's covered

Contents coverage for furniture, electronics, and clothing
Personal liability if you accidentally damage the unit or building
Additional living expenses if your rental becomes uninhabitable
Theft coverage, including some items stolen away from home

Good to know

Frequently asked questions

Why do I need it if I don't own much?: Replacing furniture, electronics, and clothes adds up fast — and liability coverage protects you against claims that could otherwise cost thousands.
Does it cover roommates?: Generally each tenant needs their own policy unless you're related. We'll confirm the right setup for your living situation.
Is my bike or laptop covered away from home?: Most policies extend limited coverage to belongings outside your unit. We'll check the limits and add coverage if you carry valuables.

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Insurers we compare for tenant & renters insurance

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Frequently asked questions

Why do I need it if I don't own much?

Replacing furniture, electronics, and clothes adds up fast — and liability coverage protects you against claims that could otherwise cost thousands.

Does it cover roommates?

Generally each tenant needs their own policy unless you're related. We'll confirm the right setup for your living situation.

Is my bike or laptop covered away from home?

Most policies extend limited coverage to belongings outside your unit. We'll check the limits and add coverage if you carry valuables.