As a tenant, you must always plan for the unexpected. Let our insurance experts put together an insurance policy that will make sure you’re covered should the unexpected occur.

Your standard coverage includes:

Dwelling

This coverage pays for damage done to your home. This is sometimes referred to as your Dwelling Building coverage, it includes any attached structures.

Outbuildings

Coverage for any unattached structures such as fences, detached garages, and storage sheds. Sometimes referred to as Detached Structures.

Personal Property

Covers the contents of your house, including furniture, clothing, and appliances, if they are stolen, damaged, or destroyed.

Liability

Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.

Voluntary Medical Expense

Covers reasonable medical expenses for people hurt on your property. This coverage is special as it can provide coverage even though you may not be legally liable.

Voluntary Property Damage

Covers property damage that you are responsible for to others’ property, even though you may not be legally liable.

Loss of Use

Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20% of the amount of your dwelling coverage.

Optional coverages

Guaranteed Building Replacement Cost

Provides the most complete coverage for your home. With this special endorsement you are guaranteed to have your home rebuilt as it’s described even if it costs more than the coverage listed on your policy.

Disappearing Deductible

You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.

Sewer Back-up Protection

An important coverage option protecting against sewer back-up water damage. Water damage is currently the claim you’re most likely to encounter as a homeowner, so making sure you have coverage to protect against sewer back-up loss is important.  

Overland Water Protection

An important coverage protecting against fresh-water flood. This coverage can be added to policies where sewer-backup coverage is already in place.

Personal Property Claims Protector

Keep your claims-free discount even after your first insurance claim when you have this endorsement already added to your policy. This is part of the Worry-free Bundle.

Identity Theft Insurance

Nobody is prepared for their identity to be stolen, but this endorsement can help you get back to normal as quickly as possible. This endorsement will enhance your credit and debit card coverage, provide lost income protection, and even cover some legal expenses tied to your stolen identity.

Inflation Guard

Keeping your limits of insurance adjusted by inflation. This endorsement automatically tailors your home insurance limits at renewal to keep pace with the rising costs of materials and labour to rebuild your home.

Scheduled Personal Property

Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, business tools, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.

Secondary Residences

Covers a secondary residence, such as a summer home. Insurance for secondary homes is not automatically provided by the home insurance policy, you have for your primary or principal residence, so it's important to add this endorsement if you own more than one home.

Watercraft

Expands personal liability and medical payments coverage for small sailboats and outboard motor boats only.

Worry Free Bundle

Get the best value from your home insurance by adding this endorsement which combines the Disappearing Deductible and Personal Property Claims Protector.

Ways you can save on your tenant insurance

We offer multiple discounts and endorsements that make our otherwise competitive condo insurance rates even more affordable.

  • Mortgage free discount
  • Claims free discount
  • Non-smokers discount
  • Combined policy discount
  • Monitored fire & burglary alarm discount
  • New home discount

Do you have any questions? Give us a call at 1.800.461.4099 and we’ll help answer them.

Note: Coverage and discounts are subject to change and may vary by insurance provider. To qualify for “optional coverage and discounts”, you must meet the special eligibility criteria. Make sure to talk to a broker to confirm coverage options and discounts that are right for your policy. Available only in Ontario.