Tenant insurance for Québec renters
Live in Québec? Buy tenant insurance online in 5 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 tenant insurance has Québec renters covered. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed renters insurance for the better, so you can worry less and live more.
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. In Québec, the average cost of a content 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.
Canadian Association of Social Workers
A small number of personal belongings fall into a category called Standard Limits, which means you’re covered for these items up to a fixed dollar amount. These amounts cannot be increased (unlike Specialty Belongings). Some examples of these items are business property, gift cards and spare auto parts.
The list of items that fall into Standard Limits can be found during the quoting process, or in your Policy Wordings document (if you’re already a home customer).
Check out our blog for more information on how
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.
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.
We ask you a few key questions to access public information about the place you’re renting along with personal information you provide to determine your rate. The information we use includes:
- 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 5 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).
Do you rent in Québec? Are you thinking of switching?
Average monthly premiums for tenant insurance in Québec are based on current Sonnet policies as of February 2021, with assumptions made to determine demographic groups.
The average cost of a content insurance claim in Québec is based on 2019 claims data from Sonnet and Economical Insurance.