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Tenant Insurance in Canada

One of the misconceptions about tenant insurance is that it’s never required. Although tenant insurance isn’t required by-law, your landlord has the right to make it a stipulation to your lease. If you find yourself in this position, you’ll need to start looking for reliable tenant insurance in Canada. Whether you’re renting an apartment on the 36th floor of a highrise or the basement of a duplex, Surex can help you find the best, cheapest tenant insurance in Canada. Our experienced insurance advisors have the industry expertise to help you find quality quotes with competitive rates. Call or click today to learn how we can help you save up to 25% on tenant insurance.

Tenant Insurance in Canada - What You Need to Know

Tenant insurance (also referred to as renter’s insurance) helps renters cover the cost of replacing or repairing their personal belongings in the event of an incident (i.e. fire or break-in) on the property.

Provincial law does not mandate tenant insurance in Ontario. However, landlords often require tenants to purchase insurance in order to qualify for a lease.
This reduces a landlord’s liability in the event of an incident on their property. The fear is that tenants without insurance will attempt to recoup their costs from the landlord.

Although tenant insurance policies in Canada will differ, you’ll find in general they will exclude, or limit coverage, on high value items like bicycles, sporting equipment, collectibles, fine art, jewellery, and watches. Additionally, since a tenant insurance policy is for personal property it also typically excludes items associated with a home-based business. 

It is always best to speak with your Surex Advisor to check your coverages.

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