Save an average of 30% on your tenant insurance in just three minutes.

Our brokers will find you the best tenant insurance in Ontario by comparing quotes from the top 10+ companies in Canada.

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Renters insurance in Ontario.

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Landlords often have home insurance to cover the cost of repairing or replacing their property in the event of damage.

But, their coverage is unlikely to extend to tenants and their belongings.

While rental insurance in Ontario is not required by law, it’s a wise investment for renters, especially if they can’t afford to replace their belongings or repair property that they’re at fault for damaging.

At DirectRate.ca, we have the expertise and experience to help you find the best apartment insurance at the lowest rate.

Get a quote and speak with one of our licenced brokers to customize a policy that’s right for your lifestyle.

 
 
 

How does it work?

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Types of tenant insurance in Ontario.

Most tenant insurance in Ontario will cover the following:

Contents: For damage to an apartment in Ontario, insurance will cover the cost of your belongings and vehicle contents, such as, furniture, clothing, jewellery, art work, entertainment equipment and other possessions.

Tenant liability insurance: In Ontario, this coverage protects you financially in the event you cause accidental damage or bodily injury to a third party such as someone visiting your home.

Additional living expenses: This covers the cost of moving or staying at a hotel if you’re unable to stay at your apartment while damages from an insured loss are being repaired.

Because every renter’s circumstance is different, a licenced broker at DirectRate.ca is available to answer any questions you may have about the details of any policy.

 
 
 

Why use DirectRate.ca?

At DirectRate.ca, we have the experience and expertise to find you the best coverage at the lowest rate.

Our licenced brokers are knowledgeable, thorough and efficient.

We’ve helped thousands of Canadians save millions of dollars on their insurance costs.

If you’re a renter, quote for tenant insurance in Ontario and start saving today.

 
 
 
 

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Frequently Asked Questions about property insurance in Ontario.

Is tenant insurance mandatory in Ontario?

No, tenant insurance is not mandatory anywhere in Canada. However, your landlord can request that you purchase it. Renters insurance is a wise investment — especially if you can’t afford to replace damaged belongings, repair a rental property that you’re at fault for damaging or pay out a liability claim a visitor is injured in your home.

To get a sense of potential cost, use our free, online quote tool to get quotes for renters insurance in Ontario.

How much is tenant insurance in Ontario?

Tenant insurance rates in Ontario vary depending on a range of factors, including: the applicant, the type of coverage they’re seeking, the property and its location.

It can cost as little as $20 a month.

When bundled with an auto insurance policy tenant insurance premiums can be especially low.

Speak with a licenced broker at DirectRate.ca to secure the cheapest tenant insurance in Ontario. We’ll customize your policy so that you’re only paying for the coverages you need, nothing more.

What does tenant insurance cover?

Many renters in Ontario opt for tenant content insurance to protect their belongings in the event of damage.

You can also get tenant liability insurance as well as coverage for additional living expenses.

Work with a licenced broker at DirectRate.ca to customize your policy so that you’re only paying for coverages you need.

Most landlord’s home insurance coverage will cover the cost of replacing or repairing a damaged home, but that coverage doesn’t necessarily extend to your belongings.

How can I reduce the cost of rental home insurance coverage in Ontario?

The cost of tenant insurance in Ontario is determined by several factors including:

The type of coverage you’re seeking.

The property being insured.

The property’s location.

Any claims history associated with the property.

Your claims history.

For tenant content insurance, the value of your belongings.

You can also bring down your rate by bundling your insurance policies so that each is held by a single company and by re-evaluating the value of your belongings