Tenant insurance for Ontario renters
Are you renting in Ontario? Buy tenant insurance online in minutes.
Customized tenant insurance for renters in Ontario
Sonnet tenant insurance in Ontario is a must for renters like you. Whether you’re renting a condo in Toronto, a house in Ottawa, or an apartment in Mississauga, we’ve got you covered.
Get a customized quote, in language you can understand, at a competitive price – and do it all online. We’ve changed tenant insurance for the better, so you can worry less and live more.
Why do I need renters insurance in Ontario?
In Ontario, you don’t legally need to have
What does renters insurance cover?
Here’s a breakdown of the common coverages included in tenant insurance in Ontario. Every policy is unique, so review your tenant policy to get familiar with your coverage and additional coverage options.
Standard Ontario tenant insurance coverages
Protect yourself and the people in your home in case you’re sued with tenant liability insurance. You’re covered if someone gets hurt while visiting or for damage you may unintentionally cause.
Often called contents insurance, this protects anything you own that you could pack in a bag or put in a moving truck. Contents insurance in Ontario covers things like your clothing, electronics and furniture. These are 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 apartment in Ontario, you’re covered while your unit is being repaired. Choose to stay in a hotel or with friends and family. We’ll help cover your extra living expenses either way.
You’re covered for the cost of any damage to improvements you’ve made to your rental unit to make it your own. This could be things like built-in closet organizers or unique light fixtures.
Additional Ontario tenant insurance coverages
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. Coverage offered depends on eligibility.
You’re covered for damage to your belongings caused by fresh water, such as excessive rain, spring run-off and melting snow, coming in at ground level through windows and doors. Coverage offered depends on eligibility.
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 other costs, up to a limit. These could include lost wages if you have to take time off work to sort it out, and payment for services that help you restore your identity.
How is tenant insurance calculated in Ontario?
The cost of renters’ insurance will depend on your unique info. An insurance company will base a quote on how much coverage you need, the property type, the location of your rental unit and your claims history.
Engineering graduates in Ontario
Engineers value elegant design and creative solutions. So, you’ll appreciate getting a quote online and an exclusive discount for engineering graduates.
Accounting graduates in Ontario
Accountants know numbers. And one way we’re keeping the price of tenant insurance low is with a
Canadian university alumni
A university degree has its perks.
More ways to save in Ontario
Save more with our exclusive
Therapeutic Recreation Ontario
CUPE 4705
The Canadian Society of Association Executives
Questions about tenant insurance in Ontario? We’re here to help
Getting an Ontario renters insurance quote with Sonnet is quick and easy. And, if you need it, there’s plenty of
The cost of tenant insurance in Ontario is based on several factors such as public information about the place you’re renting and your personal information. Here are things that can impact your rate:
- Where your rental is located
- Home structure, age, type of heating, etc.
- Number of past insurance claims
- Information about you (age, credit score if applicable, etc.)
Using this information and a whole lot of math and statistics, you get the most competitive price – savings included.
With Sonnet Insurance, you can get a
While it is not mandatory in Ontario, your landlord may require proof of insurance before you can sign the lease. Even if it’s not required,
Have more questions about tenant insurance in Ontario?
Are you a student, family, young couple, newly living on your own or with friends? Are you renting a condo in Toronto, a basement apartment in Burlington or an entire house in Port Perry? No matter who you are or where you’re living in Ontario – if you’re paying rent, you can benefit from having tenant insurance.
With Sonnet Insurance, your policy is priced based on your unique information which means any savings are automatically included. Here are some of the ways you can save on your tenant insurance:
- Exclusive Sonnet savings: Self-service has its benefits. Save just for purchasing your insurance online.
- Claims Free: No recent claims? Lucky for you that means savings.
- Multi-policy savings: Insure your home and auto with us and you could save even more.
Get a quote online to see your price – it’s free and there’s no obligation to buy.
Tenant insurance in Ontario works similar to any other type of property insurance. The type of insurance you need depends on whether you’re an owner, tenant or landlord. This helps to make sure you get the right coverage at the right price. When it comes to renting, there are two types of insurance coverage needed. Your landlord has insurance that specifically covers damage to the structure of their property. As the tenant, your landlord’s insurance doesn’t protect your stuff, so you need tenant insurance for that.