Tenant insurance
Coverage
If you rent your home, be it a house, an apartment, or a condo, your landlord’s property insurance will never cover your belongings, for instance in case of fire, theft, or water damage. Be sure to protect yourself and your belongings with the right renters insurance to protect the things that you care about. No matter what life throws your way, you’ll have the right protection for your home with tenant insurance.
Programs and add-ons
Get a complete tenant insurance policy and enjoy the benefits of our tenant insurance.1
Good home benefits
Our most competitive home insurance pricing, which includes 1 claim forgiven over a 5-year period.
Good Record Protection
Enjoy forgiveness for one claim every 5 years, with no premium increase as a result of this claim upon renewal.
S.O.S identityTM
Get access to a 24-hour line to get advice from experts and personalized legal support if you need advice about identity theft, landlord-tenant disputes, family law, employment law and cyber security breaches. It also provides coverage for expenses incurred if you are victim of a cyber-attack and cyber extortion.
Additional water damage protections
Water is the main threat to your home. Water damage endorsements provide coverage if water enters your home: sewer back-up, water and sewer lines, overland water and ground water.
Discover more coverage
FAQ
If you rent your home, your landlord’s property insurance will not cover your belongings in case of fire, theft, or water damage. Landlord property insurance isn’t responsible for protecting your property. Tenant insurance covers damage and replacement costs to your personal belongings. If you add up the value of your furniture, electronics, computer(s), clothes, and all the other possessions in your home, the value probably comes to much more than you would have estimated. Not having everything protected if something happened could be a disaster. Tenant insurance also provides you with personal liability protection. This coverage protects you against lawsuits for damage you may have accidentally caused, particularly to your building or your neighbors.
Every tenant should have tenant insurance coverage, to protect one’s belongings against personal liability. Speak to your insurance representative about your current situation and needs, in order to get the right coverage for your rental home.
You aren’t required by law to have tenant insurance, but many landlords will ask you to get coverage before renting to you. Landlords' insurance policies do not cover your personal effects, nor your personal liability. So, getting a tenant insurance policy is a safe way to cover your belongings and against personal liability in case of damage or accidents.
We offer tenant insurance for occupying tenants in rental apartments and homes, condos, apartments, lofts, studios micro apartments, townhouses, apartments in high-rises, etc.
Whether it's from the overflow of a body of water or flooding from water coming from outside the building, tenant insurance does not cover these types of flooding. If the cause of the flooding is due to a malfunctioning sanitary installation inside the building, this would be covered under your tenant insurance policy. If you wish to add coverage for other types of water damages, we offer an enhanced water damage endorsement that covers accidental sewer backup and overflow of a body of water. Talk to your insurance representative to see if you’re eligible to add this endorsement to your policy.
Didn’t find what you were looking for?
Access your insurance anytime, anywhere
Your insurance when you need it the most.
Get a tenant insurance quote
Find the best tenant insurance coverage for your needs by contacting one of the 2,000 brokerages that we work with, by calling us, or by getting a tenant insurance quote online. Getting a tenant insurance quote is the first step to protecting what matters most to you.