Your apartment is your home, it’s only natural to protect what makes it your own.

  • Coverage that goes beyond your belongings
    Our tenant insurance includes personal liability and additional living expenses coverage if someone gets injured at your address, or in the event you need to relocate after an insured damage to your home
  • Outstanding claims experience
    Whenever you need to make a tenant insurance claim, our claims team is at your side 24/7, ready to support you through every part of the claim submission process.
  • Generous coverage for renters
    Enjoy generous coverage amounts with high limits to protect your belongings in your rental home.


If you rent your home, be it a house, an apartment, or a condo, your landlord’s property insurance will not cover your belongings 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.

Tenant insurance covers damage and replacement costs to personal belongings such as furniture, clothing and electronics.

Our tenant insurance policy covers additional living expenses you incur if you cannot stay in your home during repairs of an insured damage, including hotel room fees, costs for food and meals, and clothing you may need while out of your rental apartment or house.

Tenant insurance will provide coverage if you and your family are sued and legally held responsible for unintentional damage to the property of others or having caused them bodily injury. Personal liability coverage includes:  

  • Medical bills to treat someone else’s injuries
  • Legal expenses related to your defence
  • Costs to repair or replace damage to someone else’s property 

Programs and add-ons

Get a complete tenant insurance policy and enjoy the benefits of our tenant insurance.1

Sos Identity

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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.


Enhanced water damage package

Water is the main threat to your home. Enhanced water damage package protects you if water enters your home: sewer back-up and overland water.


Travel insurance

You may be covered for certain emergencies when you’re away from your home. From medical bills to help with language barriers, have the coverage and support you need.


Complementary liability umbrella insurance

Personal liability umbrella coverage will protect your assets against certain lawsuits and cover your legal expenses and loss of income while preparing your legal defence.

Personnal property in storage

Personal property in storage

You’re storing personal belongings in a warehouse? Get the right protections against theft and other damages.


Bundle and save!

Combine and save up to 450$2 on your home and auto insurance.

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  • Alarm systems
    Have an alarm system in your home? Whether its locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium!
  • There’s more ways to save
    Haven’t had a claim in over a year? Haven’t moved house over the last years? With Intact Insurance, it could help you save!


Why do I need tenant insurance?

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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 neighbours.

What kind of insurance do I need as a tenant?

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Every tenant should have tenant insurance coverage, to protect one’s belongings and against personal liability. Speak to your broker about your current situation and needs, in order to get the right coverage for your rental home.

Is rental home insurance mandatory?

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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 and may not cover your personal liability. So, getting a tenant insurance policy is a safe way to cover all your belongings and liability in case of damage or accidents.

What type of rental property coverage is available?

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We offer tenant insurance for rental apartments and homes; condos, apartments, lofts, studios micro apartments, townhouses, apartments in high-rises, etc.

Does tenant insurance cover flooding?

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A typical tenant insurance does not cover flooding, but we offer an enhanced water damage endorsement that covers accidental sewer backup and overflow of a body of water. Talk to your broker to see if you are eligible to add this endorsement to your policy.

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Talk to a broker in Ontario

It can be a challenge to find the right type of coverage you need on your own. That’s why we have over 2,000 broker relationships across Canada. Insurance brokers are highly skilled in assessing your insurance needs and offer the right coverage for your situation and budget. Call a broker today to talk about your needs and get a quote.

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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.