Tenant insurance for Québec renters
Buy tenant insurance in Québec online in minutes.
Get insurance tailored to renters in Québec
Whether you’re renting a condo in urban Montréal, an apartment in Québec City or a house in family-friendly Laval, Sonnet
Why do I need renters insurance in Québec?
If you rent in Québec, you need tenant insurance because your landlord’s policy doesn’t cover your personal belongings. Think about how much it’ll cost to replace everything you own – it adds up quickly. In Québec, the average cost of a contents insurance claim is $5,603. The cost of possessions adds up. Tenant insurance also includes personal liability, which is an important coverage for tenants to have. Whether it’s theft or damage, if the unexpected happens make sure you’re protected.
What does tenant insurance cover in Québec?
Here are some of the common coverages included in tenant insurance for Québec renters, and a few additional coverages we think you should have. Remember, every tenant policy is different. Be sure to review yours so you know exactly what's covered before you ever need to make a
Standard 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 Québec 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 Québec – 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 built-in closet organizers or unique light fixtures.
Additional 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.
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Questions about tenant insurance in Québec? We’ve got answers
It's quick and easy to get a
No, renters insurance isn’t mandatory in Québec by law. But many landlords require you to have a tenant insurance policy before you sign the lease. Even if it’s not required, having tenant insurance in Québec is a smart move to protect your stuff and cover you if your belongings are damaged or stolen.
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, tenant insurance in Québec comes with coverage limitations on certain belongings. Some personal belongings fall into a category called special property 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 special property limits 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
It’s easy to get a
The cost of tenant insurance is based on several factors such as public information about the place you’re renting and your personal information. Here are things 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. The whole process takes just minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).