Your landlord's insurance only covers the building structure, not your personal belongings or liability. Tenant insurance in Ontario protects you when accidents happen, whether it's theft, fire, water damage, or someone getting injured in your unit.
Many landlords now require proof of tenant insurance before handing over keys. Even when it's not mandatory, tenant insurance in Ontario offers essential financial protection that keeps you covered when the unexpected strikes.
Even a small apartment can contain thousands of dollars in valuables. Tenant insurance keeps you protected when the unexpected happens.
Tenant insurance protects your belongings, your liability, and your lifestyle if a loss occurs. Whether it's theft, fire, or water damage, you'll have coverage to help you recover and get back to normal. At Morison Insurance, our brokers find the best insurers on your behalf, providing expert advice, fast turnaround, and long-term support.
Protects your belongings from sudden and accidental damage or loss.
Your personal items, such as furniture, clothing, and electronics, are insured for common risks like fire, smoke, theft, vandalism, or certain water damage.
What it includes:
Covers accidental injury or property damage you cause to others.
If you accidentally injure someone or damage their property, liability coverage protects you from financial impact, including legal costs or settlements.
Covered events typically include:
Covers hotel, meal, or temporary accommodation costs if your unit becomes unlivable.
If your rental unit is damaged by a covered event and you can't stay there, this coverage pays for temporary living expenses while it's being repaired or rebuilt.
What it includes:
Enhance your protection with add-ons for high-value item coverage, theft, water damage, umbrella liability, and more.
Every home is unique, and optional coverages lets you customize your policy to fit your lifestyle and assets. Morison brokers work with top insurers to find the most cost-effective way to add these protections.
Popular options include:
Coverage options, terms, and limits vary by insurer. A Morison Insurance broker will review your profile to confirm the right fit for your home and budget.
Tenant insurance in Ontario typically costs between $30 and $100 per month, depending on your location, coverage limits, deductible choice, and claims history. City renters often pay more than those in smaller communities due to higher theft and damage risks.
Bundling tenant insurance with auto insurance can unlock significant discounts. Many Ontario renters save hundreds annually by combining policies. Your Morison broker compares rates across dozens of insurers to find your best value without compromising protection.
As an independent insurance broker, Morison works for you, not the insurer. Our licensed brokers compare tenant insurance options across Canada's top companies to help Ontario renters get the best coverage and experience possible.
Getting tenant insurance with Morison is fast, secure, and fully supported by licensed professionals.
Fill out our short online form with details about your rental unit and what you need covered.
Your Morison broker shops multiple leading insurance companies to find your best-fit coverage and rate.
Review your options, choose what fits your needs, and get your policy started.
Save time and money by combining your tenant insurance with other policies, all in one place.
Combine your home and car insurance for one renewal date, fewer bills, and potential multi-policy savings.
Protect your high-value belongings like jewellery, bicycles, or musical instruments from theft or damage.
If a lawsuit exceeds your tenant policy's liability limit, your umbrella policy kicks in to cover the remaining amount, protecting your assets.
Discounts vary by insurer and profile. Your Morison broker will compare options to find your best value.
Protect your unit and upgrades.
Coverage for personal belongings, improvements, and liability, while your condo corporation covers the building.
Peace of mind for homeowners.
Protects your belongings and liability, with coverage for permanent accommodations after a covered loss.
Safeguard your rental properties.
Covers your buildings, rental income, and liability, whether it's a duplex, apartment, or single-family home.
Coverage for your getaway.
Protects your seasonal or vacation property from fire, theft, and weather-related damage, even when unoccupied.
Extra protection for high-value items.
Insure jewellery, collectibles, or valuable equipment beyond your home's standard policy limits.
Prefer to work with a local team? Choose your community and we'll tailor your options.
Tenant insurance is not legally mandatory in Ontario. However, many landlords require proof of coverage before giving you keys. Even if your landlord doesn't require it, tenant insurance protects your belongings and liability risks that can cost thousands out-of-pocket without coverage.
No. Your landlord's insurance covers only the building structure, not your personal belongings or liability. If there's a fire, theft, or water damage affecting your possessions, you'll need your own tenant insurance policy to be reimbursed.
Most tenant insurance policies are portable. When you move, simply update your address and unit details with your broker. Your Morison Insurance broker will ensure your coverage transfers smoothly and adjust limits if needed for your new rental.
It's possible but not always recommended. Sharing a policy means you both have access to the same coverage limits and claims history. Most insurers prefer each tenant to have their own policy for clearer liability and claims handling.
Standard tenant insurance covers certain types of sudden and accidental water damage, like burst pipes or accidental overflow. However, flooding and sewer backup typically require additional coverage. Your Morison broker can add water protection endorsements to fill these gaps.
Most brokers recommend at least $1-2 million in liability coverage and enough contents coverage to replace your belongings. Take an inventory of your possessions, like furniture, electronics, clothing, and valuables, then discuss appropriate limits with your Morison broker.
Yes. Most tenant insurance policies provide worldwide coverage for your personal belongings, meaning items stolen from your car, workplace, or while travelling are typically covered up to your policy limits.
From comprehensive coverage to tailored add-ons, our brokers compare Ontario's top insurers to find the protection that fits your life and budget.
You don't have to shop around. We'll do it for you! Speak with a Morison broker today and discover how affordable peace of mind really is. Get started by calling t or by filling out the form on this page!
