Ontario Tenants Insurance: How to Get the Best Coverage
APOLLO offers tenant insurance designed to protect Ontario tenants. Get a free quote in less than a minute and we’ll send your policy documents right to your inbox. Read our article to learn more about tenant insurance and how to get the best coverage you can.
Need Tenant Insurance?
What is Tenants Insurance?
Tenants insurance or renters insurance is a policy designed primarily to cover three significant areas:
Personal Property: This covers the cost of repair or replacement of your belongings – such as clothing, furniture, and electronics – in the event of covered losses like fire, theft, or damage.
Liability: Should you, unfortunately, cause damage to another person’s property, or if someone gets injured within your residence, liability coverage handles the associated costs.
Additional Living Expenses (ALE): If your rented apartment becomes uninhabitable due to a covered loss, this part of your policy covers associated expenses, for instance, hotel bills.
Why Do You Need Tenants Insurance in Ontario?
Think about the value of your personal belongings: your electronics, furniture, clothing — it all adds up. Ontario doesn’t enforce compulsory tenants insurance; however, some landlords might require it in the lease agreement. More than fulfilling this requirement, tenants insurance is your financial safety net.
Imagine a scenario where your apartment suffers from a water leak, damaging your belongings or making the place uninhabitable. Tenants insurance would cover repairing your assets and provide you with funds for temporary accommodation.
APOLLO offers tenant insurance starting at just $11/month.
Get the protection you need in minutes with custom Tenant Insurance from APOLLO.
How to Choose the Right Tenants Insurance Coverage in Ontario
Choosing the right policy is understanding the worth of your assets and the potential risks around you. Consider:
Estimated value of your belongings: Make an inventory and estimate the cost to replace your items.
Location-based Factors: Evaluate potential threats like the area’s crime rate or susceptibility to natural disasters.
Tips on Getting the Best Rate
To secure the best rates on your tenants insurance policy, consider these tips:
Bundle your policies: If you have other insurance, such as car insurance, consider bundling them with the same company.
Check for discounts: Some insurers offer discounts for safety equipment like fire alarms.
Increase your deductible: Opting for a higher deductible can lower your insurance premiums
APOLLO offers effortless tenant insurance designed to protect renters in Ontario and across Canada. Get your free quote in less than a minute on our online platform and we’ll send your policy documents directly to your inbox.
APOLLO Has You Covered
Get the protection you need in minutes with custom Tenant Insurance from APOLLO.
Originally published June 27, 2023, updated July 31, 2025
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