Tenant Package Insurance

Life happens. Protect your property from fire, theft, and water damage. Our exclusive all-in-one application includes liability, bikes, pets, and even food spoilage.

What is Home Renter's Package Insurance good for?

Your Tenant Insurance policy has three options for the form of coverage to protect your Personal Belongings; Basic, Enhanced and Extended Water. The Basic is the least expensive and Enhanced with Extended Water is the most expensive. The following is a brief overview of the three forms of coverage. For all three forms of coverage, there are some types of property which are not insured such as business property, and all three include the same Personal Liability protection.

Who is Home Renter's Package Insurance for?

Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure.

Why would I need Home Renter's Package Insurance?

According to the Insurance Bureau of Canada, about half of Canadian renters don't have renter's insurance. Many people believe that their landlord's insurance will cover any losses from a disaster, from storm damage to fire.

Major fires like the August 2018 blaze at 650 Parliament St. in Toronto, which left about 1,500 people without homes, highlight the importance of renter's insurance. An electrical fire displaced the residents, who have been told they won't be able to return until June 2019 at the earliest.

Renter's insurance can help after a fire damaged a rented apartment. It can also provide coverage in case visitors are injured while in your apartment, or you've suffered a break-in and theft.

What does Home Renter's Package Insurance cover?

Basic: As its name implies, this is a very basic form of coverage. Your personal belongings will be insured against a variety of events that can happen, but only if they are directly caused by one of the 15 'named perils' listed in the policy wording. Examples of events that would be covered by the Basic form are: Fire, Windstorm, Theft and Vandalism.

Enhanced: The Enhanced form is far superior to the Basic form because instead of listing specific events or 'named perils' that are covered, the Enhanced form covers every event that is not excluded. There are 23 exclusions.

Extended Water: You have basic water damage coverage on your policy that will protect you in case water escapes from a water main or plumbing system, or if another insured peril (fire, lightning etc) creates a hole in your home and causes water to enter through the new hole.

By adding Extended Water Coverage to your policy you will also be covered in the event that your sewer, storm drain or septic tank backs up and causes water to escape into your home.

What does Home Renter's Package Insurance not cover?

Basic Enhanced Extended Water
Fire, Smoke, Explosioncheck_circle_outlinecheck_circle_outlinecheck_circle_outline
Impact by Vehiclecheck_circle_outlinecheck_circle_outlinecheck_circle_outline
Riot, Vandalismcheck_circle_outlinecheck_circle_outlinecheck_circle_outline
Bursting of Pipescheck_circle_outlinecheck_circle_outlinecheck_circle_outline
Electrical Power Surgesremove_circlecheck_circle_outlinecheck_circle_outline
Many Household Accidentsremove_circlecheck_circle_outlinecheck_circle_outline
Damage caused by petsremove_circlecheck_circle_outlinecheck_circle_outline
Sewer Backupremove_circleremove_circlecheck_circle_outline
Escape from Sump or Septic Systemremove_circleremove_circlecheck_circle_outline
Mysterious Disappearanceremove_circleremove_circleremove_circle

What does Home Renter's Package cost?

Tenant insurance can be very affordable a basic policy can be purchased for as little as $14/month. Get peace of mind and confidence knowing your property and accidents you cause are covered by the best policy in Canada.

Why buy your Home Renter's Package insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? We don’t even need to see equity ownership or financial statements from you.

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As a digital company, InsureCert passes the savings for unnecessary administration on to you—for the most competitive price you’ll find anywhere.

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Protect your startup with the broadest coverage in the industry. You can tailor policies to your needs by choosing your own limit and deductible.

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We provide you with expert answers no matter your question: Reach us 24/7 via phone, email or live chat. You even get a personal account manager to look after you and your insurance needs.

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Still wondering about Home Renter's Package Insurance?

Here are some real world examples of claims:

Many people don't think about personal liability insurance until a visitor is injured. If someone is visiting your apartment and slips and falls, you may be liable for medical costs or replacement of lost wages. Renter's insurance can include personal liability coverage that will cover accidents, unintentional injuries, and mishaps like accidentally leaving the water running and flooding the unit below.

When considering renter's or tenant's insurance, it's wise to consider your personal situation and what kind of coverage you need. Renter's insurance can be very affordable.

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