Tenant Insurance for the Place You Rent
Protection for your belongings and your liability — explained clearly, quoted online, and checked by a licensed BlueCouch broker.
Get your quote- A licensed Canadian brokerageWe arrange coverage with insurance companies on your behalf; the insurer issues the policy.
- More than one insurerYour broker can look at options from more than one insurance company, where they are available.
- A real person checks your quoteA broker reviews the details with you before anything starts.
What Tenant Insurance Can Cover
Your landlord insures the building, not what is inside your unit. A tenant policy brings these coverages together; its limits and exclusions are set by the insurance company's policy wording.
Your Belongings
Furniture, clothing, electronics and other contents — in your unit and, in many policies, while they are temporarily somewhere else.
Fire and Smoke
Damage to your things from a fire in your unit or elsewhere in the building, up to the contents limit you choose.
Water Damage
Many kinds of sudden water damage, such as a burst pipe. Sewer backup and overland water are separate add-ons.
Theft and Break-Ins
Stolen belongings and the damage a break-in causes, with sub-limits for jewellery, cash and similar items set out in the policy.
Personal Liability
Claims against you if someone is hurt in your unit or you damage someone else's property — including your landlord's. Online quotes show $1 million and $2 million options.
Additional Living Expenses
Reasonable extra costs of living somewhere else if an insured loss means you have to move out while repairs are made.
Your situation
Things worth mentioning in your quote
A few details change what a tenant policy needs to cover.
Roommates
Many policies cover only you and your family. A roommate usually needs a policy of their own.
A lease that asks for it
Many landlords ask tenants to carry liability coverage. Your broker can send proof of insurance.
Working from home
Business equipment and visitors for work may need extra coverage. Mention it when you start the quote.
Subletting or short-term rentals
Renting your unit to someone else changes the risk, and many policies limit it. Ask before you do it.
Valuables
Jewellery, bikes, cameras or collections can be listed for their full value, beyond the built-in sub-limits.
Students living away
A student's belongings may be covered under a parent's policy in some cases; a separate tenant policy is common.
Optional coverages
Coverages worth asking about
Sewer backup
Damage to your things when a sewer or drain backs up into the unit. Usually an add-on.
Overland water
Water that enters from the outside, such as heavy rain or rising rivers. Availability depends on the address.
Earthquake
Damage to your belongings from an earthquake, with its own percentage deductible.
Identity theft
Help with the costs of restoring your identity after it has been stolen.
Availability, limits and deductibles of optional coverages depend on the insurance company and the address.
Your price
What changes the price of tenant insurance
- 1
How much your belongings are worth
The contents limit is the biggest part of a tenant policy. Add up what it would cost to replace your things today.
- 2
The building and where it is
The type of building, its age and local risks such as break-ins or water damage all count.
- 3
Your claims history
Claims in the past few years can raise the price, and two or more may mean a broker needs to review the file.
- 4
The deductible and liability limit
A higher deductible usually lowers the premium; a higher liability limit raises it a little.
Renting it out, or owning it?
If you own the place, a different policy fits.
Tenant insurance
- You rent the home you live in
- Covers your belongings and liability
- The landlord insures the building
Condo or home insurance
- You own the home you live in
- Covers the building or your unit's improvements
- Also your belongings and liability
Compare Your Options with Help
Our AI agent, Kylie, guides you through the questions, and a licensed broker reviews the quote with you.
Get your quote
BlueCouch
How BlueCouch helps
Quote online
For a home in British Columbia, Alberta or Ontario. In BC you see an estimated price right away; in Alberta and Ontario a broker sends your quote.
Kylie, our AI assistant
Explains questions and terms as you go, so you know what you are answering.
Licensed brokers
Review your quote with you, explain the coverage and put the policy in place.
Renewal reviews
Before your policy renews, a broker can look at whether the coverage still fits.
Help with claims
We help you report a claim and stay with you while the insurance company handles it.
Real support
Call, email or chat with us when you need to change something on your policy.
How It Works
Protect your home and your stuff in just a few (really) easy steps
- 1
Fill Out a Quick Questionnaire
Fill out a short questionnaire. We just need to know a few things about your home. Our AI agent, Kylie, will hold your hand through the process and answer questions along the way.
- 2
Review Your Options
Kylie will show you the insurance rate options for your home. You can look at the coverage in each option before you decide.
- 3
Talk to a Broker
Leave your contact details with your quote. A licensed BlueCouch broker reviews it with you, answers your questions and helps you put the coverage in place.
Testimonials
Why Canadians Choose BlueCouch
Peyman Gazor
Had a great experience with the Bluecouch team. Was able to secure a very competitively priced home owner’s insurance. The process from start to finish was seamless.
Sarv Jahankhani
Highly recommend. Simple and transparent process to get a quote and coverage for our home insurance from a very reliable insurance company. It took 5 minutes to get coverage and there was a lot support for when I had specific questions.
Farouk Esmail
I switched over to purchasing home insurance online. I was amazed with how easy it was on BlueCouch. The rate I got was also lower than what I normally pay.
Questions
Tenant insurance questions
Does my landlord's insurance cover my things?
Usually not. The landlord's policy is for the building and their own liability. Your belongings and your liability need a tenant policy.
How much contents coverage do I need?
Enough to replace everything you own at today's prices. Walking through each room and listing what you have is the simplest way to estimate it.
Do roommates need their own policy?
Often, yes. Many policies cover only you and your family members. Your broker can check what your policy allows.
Is tenant insurance mandatory in BC?
No law requires it, but many leases do. Without it, you would pay to replace your things and cover any liability claim yourself.
Is the price I see online final?
It is an estimate based on your answers. A licensed broker confirms the details and the final price with you before any coverage starts.
Can I buy the policy online?
No. The website stops at the quote. A broker contacts you to review it and put the policy in place, so nothing is bound or paid online.
Where are online quotes available?
You can start a quote online for a home in British Columbia, Alberta or Ontario. In British Columbia you see an estimated price right away; in Alberta and Ontario a licensed broker sends you the quote after you answer the questions. For a property elsewhere in Canada, call us at (855) 316-3237.
Guides
Read more about tenant insurance
Tenant Insurance in Canada: What It Covers and How Much It Costs8 min read
Tenant Insurance with Roommates: Should You Share or Get Separate Policies?7 min read
First-Time Renter? A Complete Insurance Guide for Canadians8 min read
What Happens If Your Apartment Burns Down? A Tenant's Guide7 min read
Does Tenant Insurance Cover Your Jewelry and Valuables?7 min read
Tenant Insurance for Students: Are You Covered Under Your Parents' Policy?5 min read