Get tenant insurance in Calgary: Fast, easy coverage
Buy Calgary renters insurance online in just minutes with Sonnet.
Get contents and liability insurance online as a Calgary renter
Whether you’re a family renting a home in Evanston or a recent graduate living in a downtown apartment, you want renters insurance coverage that fits your needs.
Get customized rental coverage in language you can understand, at a competitive price – all with online convenience. We’ve made getting tenant insurance in Calgary easier, so you can focus on the important stuff.
How much does tenant insurance cost in Calgary?
The cost of renters insurance in Calgary depends on multiple factors, including where your rental is located. Details about the home's structure and age are also factored in. Then we consider the value of your personal belongings and additional information about you (age). Other factors, like past claims or inflation, can also impact what you pay for Calgary tenant insurance. At Sonnet, we pride ourselves on offering competitive prices. Our policies are priced for you, not just people like you.
What does tenant insurance in Calgary cover?
Tenant insurance in Calgary protects more than just your belongings. The coverage you choose for your tenant policy will be unique and based on your personal situation. This includes how much stuff you have and the type of house, condo or apartment you’re renting. Make sure you know what is and isn’t included in your insurance policy. Here’s a breakdown of the coverages you might find on a renters insurance policy.
Standard tenant insurance coverages in Calgary
Protect yourself and the people in your Calgary home in case you’re sued with tenant liability insurance. With this insurance, you’re covered if someone gets hurt while visiting you or for damage you may unintentionally cause.
This type of rental insurance protects belongings you own that you could pack in a bag or put in a moving truck. It’s often called contents insurance and things like your clothing, electronics and furniture are covered. Plus, they’re covered while they’re on your property or temporarily removed (like when you’re travelling to work or out of the country).
In case something happens and you can’t live in your rented home, you’re covered by tenant insurance while it’s being repaired. Choose to stay in a hotel or with friends and family – we’ll help cover your extra living expenses.
You’re covered for the cost of any damage to improvements you’ve made to your Calgary rental unit to make it your own. This could be built-in closet organizers or unique light fixtures.
If you’re a renter in Calgary, hail coverage is included in your policy. This means your belongings (like patio furniture or a barbecue) will be repaired or replaced if damaged by hail.
Additional Calgary tenant insurance coverage
This coverage can help in some smelly situations If water backs up or escapes into your rental unit through a sewer, sump, septic tank or floor drain, this will cover you for the damage caused, depending on eligibility.
If eligible, this protection covers damage to your belongings caused by fresh water coming in at ground level through windows and doors. This can be caused by excessive rain, spring run-off and melting snow.
This covers you and anyone else on your policy in case your identity is stolen. We’ll reimburse you for legal fees as well as certain additional associated costs, up to a limit. These could include lost wages if you take time off work to resolve the issue, and payment for services that help you restore your identity.
Why insure your rental unit with Sonnet if you live in Calgary?
Personalized pricing
We combine your unique information with a whole lot of math and analytics to build a price for Calgary residents like you – savings included. Whether it’s a bundled savings, a group discount or acknowledgement for being claims free, you’re always getting our best possible price.
24/7 claims support
With hundreds of claims professionals and a network of Calgary-area certified partners – we’re always here when you need us. Plus, our hassle-free claims promise guarantees the quality of your repairs when you use our pre-screened Calgary vendors.
Savings for Canadian university alumni
If you’re a Canadian university graduate living in Calgary, you could save even more on your insurance.
Questions about tenant insurance? We've got your back
Insuring your stuff should be simple. We’ve made getting a
Your spouse or common-law partner and your kids are already covered by your policy. Anyone else who is living with you and is also on your lease can be added to your tenant policy to share coverage. To do this, just add them as a tenant when you buy your tenant insurance online.
If you’ve already purchased and want to add them to your existing Sonnet policy, log in to your account and click on your tenant policy. Select the Tenants tab and click Add a tenant.
Here are the details you’ll need to have ready for your roommate:
- Their full name
- Their date of birth
- Their email address
- Their phone number
Once all of this has been entered, click Add. Your policy documents will update to include their name.
Yes, there are coverage limitations for certain belongings. Some personal belongings fall into a category called standard limits. These items are covered up to a fixed-dollar limit and these limits cannot be increased. Things like business property, gift cards and spare auto parts fall into the standard limits category.
You’ll see a full list of items in the standard limit category when you complete a tenant insurance quote. If you’re already a home customer – find the list in your policy wording document.
Learn how your
During home insurance calculation, insurance companies look at a complex set of factors. These will determine the likelihood of you making a claim – and how much a claim could cost. The higher the likelihood is, the higher your premium will be.
Factors that can affect your home insurance premium include:
- Where your home is located
Based on your postal code, an insurer can find out how many claims are made in that area – and why they happen. For example, if your area has frequent windstorms, there could be more frequent claims for damage. This could cause your home premium to be higher than that of a house in an area that doesn’t have windstorms very often. - Home age and condition
The older the building, the higher the likelihood of a claim. That’s because things like old wiring (fuses, for example) are a bigger risk for fire. And, old plumbing increases your risk of claims due to sudden leaks or burst pipes. - Heating equipment
If your home is heated with oil (like it is in many rural areas), your premium could be higher. Oil tank leaks increase risk of damage and environmental hazards. Wood stoves are also a common source of house fires, so they could raise your payments, too. - Proximity to fire support
If your home is close to a fire station and fire hydrants – like in an urban area – your premium could be lower than a home in a rural location, where travel distance is longer. - Number of past claims
The longer you’ve been claims free, the lower your premium will be. If you’ve had a claim in the last year, you can expect your premium to go up at renewal. - Your age and other information about you
As you get older, your premium will tend to decrease. The fact is, many insurance providers consider homeowners with more experience as less risky to insure. Some insurers could also look at your credit score. - How you use your home
Do you rent out rooms or a basement unit in your house? Factors like this may also impact your premium since they can increase damage and liability risks.
Personal belongings are anything that you own that you could pack in a bag or take in a moving van with you. For example, your clothes, laptop, cellphone, refrigerator etc., are all things included in your personal belongings coverage. When you set up your policy, you have the option to set your coverage limit for your personal belongings, based on approximately how much your stuff is worth.
If you have fancier items, like expensive jewellery or silverware, consider whether their cost would be within your overall personal belongings limit. If not, you can either increase your overall limit or add these items separately to your policy. They’ll be covered by their own limit(s) and have no deductible.