Do I have to get tenant insurance in Ontario?

Tenant insurance isn't required by law, but many landlords can make it a condition in your lease. It’s highly recommended for your financial protection.

Does tenant insurance cover damage to the building?

Typically, policies cover your personal belongings and liability, but not damage to the building itself. Building insurance is the landlord's responsibility.

Can my landlord force me to buy tenant insurance?

Your landlord can require proof of tenant insurance as part of a lease agreement, but they cannot choose your insurance provider for you.

Will my roommate’s policy cover my things?

No, each person's belongings are only covered if named on the policy. You can either get separate policies or ask your insurer about joint policies for roommates.

Where can I find affordable tenant insurance in Ontario?

Many major insurance providers and banks in Ontario offer tenant insurance. Be sure to compare rates and coverage before choosing a policy.

Tenant Insurance in Ontario: Coverage Basics for Renters

Tenant Insurance & Liability Ontario published June 19, 2025

Understanding tenant insurance is crucial for renters in Ontario. While it is not legally required by the Residential Tenancies Act, 2006, landlords often request proof of insurance in lease agreements. Knowing what tenant insurance covers protects both your finances and your peace of mind.

What Is Tenant Insurance?

Tenant insurance (also called renters insurance) is a policy designed specifically for renters. It helps protect you if your personal belongings are lost, stolen, or damaged and can cover your liability if you accidentally cause damage to the rental unit or others.

Key Coverage Areas of Tenant Insurance

1. Contents Coverage

This protects your personal belongings such as furniture, electronics, and clothing from risks like fire, theft, vandalism, or some types of water damage. It's important to estimate the value of your possessions to choose the right coverage amount.

2. Personal Liability

If you accidentally cause damage to the unit (for example, starting a kitchen fire) or someone is injured in your home and holds you responsible, liability coverage can pay for damages and legal fees.

3. Additional Living Expenses

If your rental unit becomes uninhabitable due to an insured event (such as a fire), this coverage helps pay for temporary accommodation and extra costs while your home is being repaired.

Common Exclusions in Tenant Insurance

Damage from floods or earthquakes (unless you add extra coverage)
Unreported high-value items (such as jewelry or art) unless specifically noted in your policy
Intentional damage caused by the tenant

Carefully review your policy so you understand what's included and excluded. Ask your insurance provider about add-ons if you own special valuables.

Why Landlords Ask for Tenant Insurance

Many landlords in Ontario require proof of tenant insurance to help protect against damages or liability claims. While this is not a legal requirement under the Residential Tenancies Act, 2006^[1], it is standard practice and can be written into your lease. You can learn more about your obligations and landlord requirements in Obligations of Landlords and Tenants: Rights and Responsibilities Explained.

Getting Tenant Insurance: What Ontario Renters Should Know

When shopping for tenant insurance, compare quotes from different providers. Be ready to share details about your rental, how many people live there, and the value of your belongings.

Ask what is covered (contents, liability, special items)
Check if there are discounts for security features (alarms, sprinklers)
Understand how claims work and what deductibles apply

Proof of insurance is typically required before you move in or sign a lease. For tips on moving into a new rental, see Essential Tips for Tenants When Moving Into a New Rental Home.

How to File a Tenant Insurance Claim

Contact your insurance provider as soon as possible after a loss or incident
Document damages or losses with photos or receipts
Submit any required claim forms and cooperate with the provider's investigation

If your insurance company requires you to report certain losses to authorities (such as theft), be sure to file a police report and get documentation.

Know Your Rights and Legal Protections

Your rights and responsibilities as a tenant go beyond insurance. For a summary about renter and landlord regulations, visit Tenant Rights in Ontario. Additional legal information is available from the Landlord and Tenant Board, which oversees rental disputes and tenancy matters in Ontario.

The right policy gives you peace of mind, helps you bounce back after a loss, and avoids unexpected financial hardship. Review your lease to check if tenant insurance is mandated by your landlord.

For renters looking to move or compare new rental options, Explore Houseme for nationwide rental listings and find suitable housing across Canada.

FAQs: Tenant Insurance and Ontario Rentals

Do I have to get tenant insurance in Ontario?
Tenant insurance isn't required by law, but many landlords can make it a condition in your lease. It’s highly recommended for your financial protection.
Does tenant insurance cover damage to the building?
Typically, policies cover your personal belongings and liability, but not damage to the building itself. Building insurance is the landlord's responsibility.
Can my landlord force me to buy tenant insurance?
Your landlord can require proof of tenant insurance as part of a lease agreement, but they cannot choose your insurance provider for you.
Will my roommate’s policy cover my things?
No, each person's belongings are only covered if named on the policy. You can either get separate policies or ask your insurer about joint policies for roommates.
Where can I find affordable tenant insurance in Ontario?
Many major insurance providers and banks in Ontario offer tenant insurance. Be sure to compare rates and coverage before choosing a policy.

Conclusion: Key Takeaways

Tenant insurance in Ontario protects your belongings and personal liability but is not mandatory by law.
Landlords can request proof of insurance in leases; always read your lease carefully.
Understand your policy and shop around for the best coverage and price.

Having tenant insurance offers security, meets most landlord requirements, and helps you recover from unexpected losses as a renter.

Need Help? Resources for Tenants

Landlord and Tenant Board — Official tribunal for rental disputes, forms, and tenant rights in Ontario.
Ontario Ministry of Municipal Affairs and Housing: Renting in Ontario
Community Legal Education Ontario: Tenant Rights
Tenant Rights in Ontario