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Coverage for your belongings and your liability as a renter.

Tell us where you live and what you need covered. We’ll help you compare straightforward tenant insurance options.

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Want to talk now?905-573-7471

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WHAT IT CAN INCLUDE

The main parts of a tenant policy.

Personal Property

Coverage for belongings such as furniture, clothing and electronics, subject to policy limits and exclusions.

Personal Liability

May respond to certain claims if you are legally responsible for injury or damage to someone else’s property.

Additional Living Expenses

May help with certain extra costs if you cannot stay in your rental after an insured loss.

Optional Coverage

Additional protection may be available for valuables, water exposures or other needs.

What a policy actually includes varies by insurer. A broker can confirm the wording before you buy.

WHAT AFFECTS THE PRICE

What insurers look at.

Location

Type of rental

Personal property value

Coverage limits

Deductible

Claims history

Optional coverage

Bundling where applicable

BEFORE YOU QUOTE

What we’ll ask you.

01

What is the rental address?

02

What type of unit is it?

03

Who lives there?

04

What are your belongings worth?

05

Do you have any special valuables?

06

What does your current insurance look like?

WHEN THINGS CHANGE

Times to review your tenant insurance.

Moving

A new address and building change the rating.

Getting a roommate

Who is named on the policy matters at claim time.

Buying expensive electronics

Higher contents value may need a higher limit.

Working from home

Business equipment may need separate coverage.

Getting engaged or married

Rings and gifts may need to be listed separately.

Buying a car

Auto and tenant together may simplify both.

Moving from renting to owning

Home or condo coverage replaces a tenant policy.

TENANT + AUTO

Insuring your car too?

Putting tenant and auto with the same insurer may simplify your policies and can sometimes reduce the overall premium.

Get a Tenant + Auto Quote

View Auto Insurance →

WHY HIFA

Simple cover, explained properly.

WE KEEP IT SIMPLE

A broker can help you understand what you actually need.

WE COMPARE OPTIONS

We can compare available insurer options for your situation.

YOU CAN CALL US

Move, roommate, new car or claim — you can talk to a real broker.

Common questions

Tenant insurance questions.

Is tenant insurance mandatory in Ontario?
No law requires it, but many leases do, and landlords often ask for proof before you move in. Your landlord’s policy covers the building, not your belongings or your liability. A broker can confirm what your lease actually asks for.
Does my landlord’s insurance cover my belongings?
The landlord's policy covers the building they own. It does not cover your furniture, clothing, electronics or anything else you brought with you, and it does not cover your liability if you accidentally cause damage to the building or injury to someone else. Those are what tenant insurance is for.
How much tenant insurance do I need?
Enough to replace what you own. Most renters significantly underestimate this — walk through each room and think about replacing everything at today's prices, including clothing, kitchen items and electronics. Your broker can help sanity-check the figure, and it is worth revisiting as you accumulate more.
Does tenant insurance include liability?
If you accidentally leave a tap running and flood the units below, or cause a kitchen fire, you can be sued for the damage. Personal liability covers these immense costs.
Does tenant insurance cover roommates?
Generally only if you are related or living as a couple. Unrelated roommates normally need their own policies, because each person's belongings and liability are separate. Sharing a policy can create problems at claim time about who owns what.
Can I bundle tenant and auto insurance?
Yes, and it is usually worth doing. Reviewing both allows multi-line discounts to be considered and lets the broker confirm there are no gaps between the two — belongings kept in the vehicle, for example, are treated differently by each policy.

READY TO COMPARE?

Let’s find the right tenant insurance option.

Tell us where you live and what you need covered. A HIFA broker can help you compare the options.

Get a Tenant Quote

Book a Call

Want to talk now?

905-573-7471

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