Protect your belongings and safeguard yourself from unexpected liability with tenant insurance built for Ontario renters. Renting a home, apartment, or condo gives you flexibility—but you’re still responsible for protecting what’s inside your space. From fire and water damage to theft, liability, and additional living expenses, tenant insurance shields you from the risks that your landlord’s policy does not cover. Regal Insurance helps renters across Ontario compare tenant insurance quotes from top Canadian insurers—fast, simple, and tailored to your lifestyle, budget, and living situation.
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Tenant insurance—also known as renter’s insurance—protects your personal belongings and liability as a renter. While your landlord’s policy covers the building itself, it does not cover your furniture, electronics, clothing, or accidental damage you may cause inside the unit. Without tenant insurance, a single incident could leave you with significant out-of-pocket costs.
As an independent brokerage, Regal Insurance works exclusively for you—not the insurance companies. We compare tenant insurance quotes across Canada’s top providers, helping you secure the right coverage whether you’re renting an apartment, basement suite, townhouse, or condo.
Whether you’re moving into your first place or upgrading your current coverage, we’ll help you stay secure and protected—no matter where you rent.
Reach out today for your free tenant insurance quote.
From protecting the place you live to safeguarding the properties you own, Regal Insurance offers flexible personal insurance solutions designed around real life—not one-size-fits-all policies. Explore our most popular home and property insurance products below to build coverage that fits your needs.
Protects your house, belongings, and personal liability against risks like fire, theft, weather damage, and unexpected accidents—essential coverage for homeowners.
Covers your personal belongings and liability if you rent an apartment, condo, or house—so you’re protected even if you don’t own the property.
Specialized coverage for cottages, vacation homes, and seasonal properties—accounting for unique risks like extended vacancy, weather exposure, and water damage.
Designed for rental property owners, covering the building, liability, and loss of rental income when insured events impact your tenants or property.
Protects your unit, personal contents, upgrades, and liability—working alongside your condo corporation’s master policy for complete coverage.
Coverage designed for homeowners who rent their property short-term (e.g., Airbnb or vacation rentals), helping protect against guest-related risks and property damage.
Coverage options for homes that may not qualify for standard policies—such as older properties, homes with prior claims, rural locations, or unique construction—helping you secure protection when traditional insurers say no.
Tenant insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from trusted Canadian insurers to find the right protection for your belongings, liability, and peace of mind—at a price that fits your life.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand tenant-specific risks, local requirements, and what renters actually need to stay protected.
From first-time renters to long-term tenants, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
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Tenant insurance protects your personal belongings, your financial security, and your legal liability as a renter. While your landlord maintains insurance for the building itself, everything inside your unit—and any accidental damage you cause—remains your responsibility. Without tenant insurance, you could be left covering repairs, replacing your belongings, or even handling legal expenses on your own.
Consider a few real-world renter scenarios. A kitchen fire damages your belongings—your landlord’s policy won’t replace them. A leak from your unit damages your neighbour’s ceiling—you’re responsible for the repair costs. Or, if a break-in results in stolen electronics, tenant insurance helps you recover quickly without draining your savings.
A dedicated tenant insurance policy fills these gaps, protecting your belongings, covering your liability, and ensuring you’re never left financially exposed.
Protects your personal belongings—furniture, electronics, clothing, décor, appliances, and more—against fire, theft, vandalism, and certain types of water damage. For example, if a burst pipe ruins your clothing or electronics, contents coverage helps you replace them without paying out of pocket.
Covers legal expenses, medical bills, and third-party claims if someone is injured inside your rental or if you accidentally cause damage to someone else’s property. If you overflow the bathtub and the water leaks into the unit below, this coverage protects you from costly repair bills and potential legal action.
If your rental unit becomes unlivable due to a covered event—such as fire, smoke, or water damage—this coverage pays for temporary accommodations, meals, and other essential expenses while your unit is being repaired.
If you’ve made upgrades to your rental—such as installing new fixtures, shelving, or minor renovations—this coverage helps repair or replace those improvements if they’re damaged by an insured event.
Water-related claims are among the most common for tenants. This add-on extends protection to sewer backup, overflow, and certain flood exposures. If your basement rental is damaged due to backup or seepage, this coverage helps minimize your personal financial loss.
Provides extra protection for jewellery, collectibles, artwork, or electronics that exceed standard limits. If your laptop, camera equipment, or engagement ring is stolen or damaged, this add-on ensures you’re properly covered.
If someone steals your identity or financial information, this add-on covers legal fees, restoration expenses, and recovery services. It’s especially valuable for renters in shared buildings or high-density housing.
Provides optional liability coverage for pet-related incidents. For example, if your dog injures a visitor or damages a neighbour’s property, this extension offers important financial protection.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Tenant insurance doesn’t have to be expensive. With the right strategy, renters in Ontario can secure robust protection at a competitive price. Regal brokers help you tailor your policy to your belongings, lifestyle, and risk exposure—ensuring maximum value without paying for unnecessary add-ons.
Combining your tenant insurance with your auto policy often yields significant discounts. Insurers reward multi-policy customers with better rates and simpler renewals.
A higher deductible usually results in a lower premium. If you can comfortably cover a higher deductible in the event of a claim, this option can reduce your monthly costs.
Installing basic safety measures—like smoke detectors, deadbolts, or monitored alarms—can help reduce your premium. Insurers view these features as reducing the likelihood of claims.
Many renters overestimate the value of their belongings. Accurately listing your items and choosing an appropriate contents limit prevents overspending while ensuring sufficient protection.
As your belongings or living situation changes, your insurance needs may shift. Annual reviews prevent gaps in coverage and help avoid overpaying for outdated limits.
Want more insights on how to reduce insurance costs for your business? Visit our <a href=”/help-center/”>Help Centre</a> to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
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Tenant insurance protects your personal belongings and liability as a renter. Since your landlord’s insurance only covers the building itself, tenant insurance is essential. It typically includes:
Without tenant insurance, claims involving your belongings or liability may not be covered by the landlord’s policy.
No, tenant insurance isn’t legally required in Ontario. However, many landlords now make it a mandatory condition in rental agreements. Even when not required, tenant insurance is strongly recommended because it protects both your belongings and your financial liability.
Without it, you may have to pay out of pocket for losses or legal claims arising inside your rental space.
Any renter in Ontario should consider tenant insurance. This includes:
Even if your belongings seem minimal, a single loss event can result in significant replacement costs.
Costs vary depending on your coverage limits, location, building type, and claims history. Many renters pay between $200–$400 per year, while those with high-value belongings or additional coverages may pay more.
Optional add-ons such as water damage protection or high-value item coverage can also affect the total premium.
Several factors influence cost, including:
A broker can help you find the right balance of coverage and affordability.
Yes, there are several ways:
Working with a broker helps you secure the best value without reducing essential protection.
Home insurance covers stand-alone homes and includes protection for the entire structure. Tenant insurance, on the other hand, covers only your belongings, liability, and improvements as a renter. Your landlord’s home or property insurance does not protect your possessions or liability.
Without tenant insurance, you remain financially responsible for personal losses and accidental damage.
Yes. Personal liability coverage extends to accidents involving guests or visitors. For example, if a friend slips on a wet floor or trips over furniture, your tenant insurance may cover medical costs and legal fees.
Without liability coverage, these expenses could fall entirely on you.
Yes. Most tenant insurance policies include protection for belongings stored in lockers, garages, or designated storage areas. Items such as bicycles, luggage, or seasonal décor are typically covered against theft or damage.
Coverage may have specific limits, so reviewing your policy is essential.
Most renters choose $1 million–$2 million in liability coverage and adjust contents coverage based on the value of their belongings—often around $20,000–$50,000. Renters with high-end electronics, jewellery, or specialized equipment may require higher limits.
A broker can help determine appropriate coverage for your situation.
Yes. Bundling tenant and auto insurance is one of the easiest ways to save. Many insurers offer multi-policy discounts that significantly reduce overall premiums while simplifying renewals.
This approach is ideal for renters looking to streamline their insurance setup and reduce costs.
Absolutely. Regal Insurance provides personalized service through our licensed Ontario brokers. Whether you’re reviewing coverage, adjusting deductibles, or preparing to move into a new rental, our team is available by phone, email, or in-person appointment.
We’re here to help you stay protected—wherever you choose to rent.
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