What Does Renters Insurance Cover in Canada?
When you’re renting a property in Canada, you might wonder about insurance. Renting doesn’t make you immune to the risks of accidents and theft. This is where Renters Insurance comes into play. But what exactly does it cover? Let’s dive in.
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The Basics of Renters Insurance
Renters insurance, sometimes called “tenant insurance,” is designed to cover the personal belongings of individuals and families who rent their residences. It offers coverage for a series of unfortunate events.
What’s Included?
Here’s a breakdown:
Personal Property: This includes furniture, electronics, clothes, jewelry and other personal items in the unfortunate event of theft or damage due to fire, water, and other disasters. Be sure to understand the limits and terms of your policy—sometimes, you may need additional coverage for high-value items.
Additional Living Expenses: If you find yourself unable to inhabit your home due to a claim, this portion of the policy would help cover the cost of alternative accommodations during the home’s repair.
Liability Protection: If someone gets hurt while in your residence, or their property is damaged, this part helps with legal costs if you’re found legally responsible.
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Common Exclusions
Although tenant insurance covers a wide variety of potential scenarios, there are a few exceptions:
Flood or Earthquake Damage: These natural disasters often require separate insurance.
Intentional Damage: Damage or loss as a result of intentional acts is not covered.
Damage from Pests: This would generally fall under homeowner/landlord responsibility.
APOLLO offers tenant insurance designed to protect renters across Canada. Get your free quote in less than two minutes and we’ll send your policy documents right to your inbox.
APOLLO Has You Covered
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Originally published June 28, 2023, updated March 5, 2026
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The only tenant insurance provider with a Best Price Guarantee. Already have a policy or quote? We’ll beat the price. Guaranteed. Terms apply.
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