Tenant & Renter’s Insurance in Ontario, Canada

Protect Your Belongings, Even If You Don’t Own the Home

If you rent an apartment, condo, or house, your landlord’s insurance only covers the building — not your personal belongings or your liability. That’s where Tenant & Renter’s Insurance comes in. At Solutions Insurance Group, we make sure you’re protected while you enjoy the freedom of renting.

🔎 What Is Tenant & Renter’s Insurance?

Tenant insurance protects your personal belongings and liability while you live in a rental property. For an affordable monthly premium, your coverage ensures you won’t be left paying out-of-pocket if the unexpected happens.

Coverage may include:

• 🛋️ Contents Coverage – Protects your furniture, clothing, electronics, and valuables
• ⚖️ Personal Liability – Covers costs if someone is injured in your rental or if you accidentally cause damage to others (e.g., water leak into a neighbour’s unit)
• 💡 Additional Living Expenses – Pays for temporary housing if your rental becomes unlivable due to fire, flood, or another insured loss

📝 Is Tenant Insurance Mandatory in Ontario?

• By law: Tenant insurance is not legally required in Ontario.
• By landlords: Many landlords require proof of tenant insurance as a condition of the lease.
• By choice: Even if not required, it’s strongly recommended — because without it, your belongings and liability are unprotected.
•  

🌟 Optional Coverages for Renters

You can expand your tenant insurance with:

• Sewer Backup Coverage – Protection if water backs up into your unit
• Overland Flood Coverage – Coverage for water entering from outside (e.g., heavy rain, river overflow)
• High-Value Items Coverage – Jewelry, art, and collectibles beyond standard policy limits
• Identity Theft Protection

🛡️ Why Get Tenant Insurance Through a Broker?

Tenant insurance is affordable, but policies aren’t all the same. Our brokers help you:

• ✅ Find the right coverage for your lifestyle and belongings
• ✅ Compare rates from Ontario’s leading insurers
• ✅ Avoid surprises by filling in coverage gaps (like liability protection).