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    Get your insurance docs in 5 minutes

    Guaranteed acceptance by property managers and landlords across Canada. Credit Check not required

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    SAVE25%ON AVERAGE

    You can customize your policy just how you like it so you're only paying for the coverage you need. APOLLO customers save an average of 25%, when compared to leading Canadian tenant insurance providers.

    The cost of the policy depends on a few things, such as the address to be insured, the coverage limits and options you select. We offer the following coverage options:

    • Contents coverage options ranging from $10,000 to $150,000

    • Additional living expenses coverage options ranging from $5,000 to $30,000

    • Personal liability coverage of up to $2 million

    • Deductible options ranging from $500 to $2,500

    • Water damage and full replacement value extensions

    Get covered in less than a minute.

    What address would you like to insure?

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    Why choose APOLLO?

    The simplest way to buy insurance

    The simplest way to buy insurance

    Our platform is designed to be the fastest and simplest way to buy insurance. We make it easier than anyone else to get covered.

    The best value for money

    The best value for money

    We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.

     Easy online tools

    Easy online tools

    Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In

    Great insurance advisors

    Great insurance advisors

    If you need to speak to a person, you can contact one of our insurance advisors easily by phone, email or chat. We're here to help!

    Fair, independent claims management

    Fair, independent claims management

    We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.

    Top financial ratings

    Top financial ratings

    Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.

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    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
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    Tell us (very little) about yourself

    Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.

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    Pay online easily and securely

    You can choose to pay monthly or save money by paying for the entire year in one easy payment.

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    Get your documents in your inbox - instantly

    As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.

    What is Tenant Insurance?

    As a renter, you've created a cozy home filled with your belongings. But what happens if your cherished possessions are damaged or stolen? That's where tenant insurance comes in. Whether you're renting an apartment, condo, or house, tenant insurance protects the contents of your rented property and provides you with peace of mind.

    Tenant insurance ⎯ also known as renters insurance, condo tenant insurance, or content insurance ⎯ is essential for anyone who rents their living space. Unlike landlord's insurance, which covers the building itself, tenant insurance covers your personal property, liability, and additional living expenses if you're forced to temporarily relocate due to a covered event.

    What's covered by Tenant Insurance?

    As a tenant, you have unique insurance requirements that are different from the needs of homeowners. That's why we've tailored our Tenant Insurance coverage for renters like yourself - and you can customize it even more to suit your individual needs. This policy covers three crucial areas: Contents, Additional Living Expenses, and Personal Liability.

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    Contents

    Simply put, Contents Insurance covers your personal belongings - the contents of your home. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.

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    Additional Living Expenses

    Have you ever wondered what you would do if you couldn't live in your apartment due to an emergency? This coverage can help you pay for hotels and food if you are forced out of your home after a covered event.

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    Personal Liability

    Accidents happen. And they can be costly. Personal Liability coverage protects you if you are held responsible for property damage or personal injury to others, at home or anywhere else.

    Are you a full time student? We have a product specially designed for you! Check out our Student Tenant coverage.

    What our customers say about us

    Customer service is a huge part of the APOLLO story. Insurance is a relationship based on trust and we earn our clients' trust by providing the best products backed by world class service and support.

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    Reviews

    4.7 rating

    1,781 reviews

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    What if I need to make a claim?

    If something happens and you need to use your Tenant Insurance, APOLLO makes it easy with a simple claims process that can be done online. Just let us know the details of the incident and we'll get started on doing our part to set things right — keeping you informed at every step of the way.

    Our simple online claims process

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    Frequently Asked Questions

    While tenant insurance is not legally required in Ontario, it’s highly recommended to protect your personal belongings and have liability coverage in case of accidents or injuries. Additionally, most landlords require their tenants to have insurance as a condition of the lease agreement. Without tenant insurance, you could be responsible for the full cost of replacing your personal belongings or for damages and injuries that occur in your rented space.

    Water damage is the leading cause of home insurance claims in Ontario. While your APOLLO Insurance policy has basic water damage coverage, you can upgrade this with enhanced water damage coverage.

    Find out examples where water damage is covered by reading our article Does Renter’s Insurance Cover Water Damage?

    Tenant insurance in Ontario typically costs between $15 and $30. APOLLO offers comprehensive policies that allow you to customize your coverage, so you're only paying for what you need.

    Find out what factors effect the cost of tenant insurance by reading our article How Much is Tenants Insurance in Ontario?

    Yes, renter’s insurance covers fire. This is the case regardless of how the blaze was started, unless the fire was intentionally set by you.

    Fire is one of the most common covered perils included in renter’s insurance. Also referred to as named perils, other examples are windstorms and hail, theft, and vandalism.

    Find out more instances by reading out article Does Renters Insurance Cover Fire?

    Most people are familiar with home insurance. Less familiar is Tenant Insurance (also known as renters insurance), which protects you if you're renting a residence. Renters Insurance is a requirement for many landlord-tenant lease agreements, but even if it's not, it's a good idea to have. It can end up saving you from covering the cost of replacing your valuable items in the event of a fire, theft, or flood.

    Tenant Insurance can also help pay for the extra costs of having to live somewhere else if your residence becomes uninhabitable due to an insured loss. This can include the cost of lodging, such as temporary rent at a separate location, hotels, or Airbnbs, and can also help with other costs like restaurant meals and storage fees.

    Although landlords likely have insurance of their own, your landlord's insurance typically only covers the building. This leaves your contents of your unit unprotected. Further, if you were found liable for damages to the building, your landlord's insurance company may come after you for the costs. Renters Insurance can aid you in both of these situations. Further, it can cover certain expenses that arise from an emergency. Read more about the benefits of Renters Insurance here.

    How to Calculate How Much Contents Coverage You Need
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    © 2024 APOLLO Insurance Solutions Ltd.

    111 Water Street, Unit 210, Vancouver, British Columbia, V6B 1A7

    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.