What Does My Landlord Need to See on My Tenant Insurance Certificate?

What do I need to show my landlord on my tenant insurance certificate? 

Landlords often ask for proof of tenant insurance as part of a lease agreement. What they’re looking for is a tenant insurance certificate (also called a certificate of insurance). It’s a one-page snapshot that confirms your policy is active and outlines your key coverage details.

A certificate looks something like this*:

*Illustrative example of an APOLLO** Insurance certificate of insurance. 

The most important things your landlord will usually want to see are:

1. Your name, plus any additional insureds listed on the policy, such as a roommate or partner

2. The insured rental address, which should match the unit you’re renting

3. Your policy number

4. The policy’s effective dates, showing that coverage is active from your move-in date

5. Your coverage types, such as personal property, personal liability and additional living expenses

6. Your liability coverage amount, since many leases set a minimum

Your landlord wants to know two things: that you have tenant insurance, and that your coverage meets their requirements. If you accidentally damage the unit, say through a kitchen fire or an overflowing tub, your personal liability coverage may help pay for the repairs.

Every landlord’s requirements are a little different, but most typically specify a minimum amount of personal liability coverage.

How do I get my tenant insurance certificate?

With APOLLO, your proof of insurance lands in your inbox as soon as you’ve verified your email address. You can also share it with your landlord straight away, via the APOLLO Customer Portal. Before you hit send, make sure the address, effective dates and coverage match what your landlord needs. 

Need another copy later? Download one any time from the portal by following these steps:

1. Log in. Go to policy-portal.apollocover.com and enter the email linked to your policy. We’ll send you a one-time code to sign in.

2. Select your policy. Choose your active tenant insurance policy from the dashboard.

3. Click “Resend Documents.” Your certificate and policy documents will land in your inbox.

Something off? You can update some of the details of your policy right in the portal. Then resend your updated documents. You may need to speak to an advisor to adjust your coverage or add a roommate, spouse or common-law partner to your policy. 

Benefits of APOLLO’s digital-first approach

APOLLO is built to be fully digital, so there are no calls to make and no paperwork to wait on. Here’s why that can help when your landlord asks for proof of insurance:

• Speed: Your documents arrive the moment you buy, so you’re not waiting on the mail to sign your lease.

• Convenience: Access, resend or print your certificate anytime, anywhere you’re online.

• Flexibility: Moving? Transfer your policy to your new address without cancelling and starting over. Just tell us your new address and move-in date.

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Why is tenant insurance important to a landlord?

A tenant insurance certificate is official proof that your policy is active. Here’s why it matters for you and your landlord:

• It’s often needed to sign a lease. Many landlords and property managers ask for proof of tenant insurance, and your certificate is the simplest way to provide it.

• It confirms your coverage details. It outlines what your policy may cover, such as personal property, personal liability and additional living expenses if a covered loss makes your unit unlivable.

• It can help financially protect you both. Your landlord’s insurance typically covers the building, not your belongings or your liability. Your certificate shows you have your own coverage in place, which can help reduce your landlord’s risk if an accident or covered damage happens in your unit.

**Apollo Insurance Agency Ltd. o/a APOLLO is a licensed insurance intermediary operating across Canada (excluding Quebec and the territories). Coverage is subject to policy terms, conditions, and exclusions.

The information provided on this page is intended for general educational purposes only and does not constitute insurance advice, a recommendation, or an offer to sell insurance. Every individual's insurance needs are unique and depend on personal circumstances. We encourage you to consult with an independent licensed insurance broker in your province who can assess your specific situation and recommend appropriate coverage.