Tenant insurance: do you need it?
Updated 2026-10-14English original
Official source: Insurance Bureau of Canada ↗
Published 2026-10-14Last checked 2026-10-14Language English
If this page and the official page differ, the official page is right.
What it covers
Tenant insurance usually covers your belongings if they are stolen or damaged, and liability if you accidentally damage someone else's property. It can also pay for a hotel if your unit is unlivable.
Do you need it
It is not required by law, but many landlords ask for it in the lease. It is often inexpensive compared with the cost of replacing your things.
Shop around
Compare a few quotes. Ask what is excluded and what the deductible is.
General information, not legal advice. Every guide links to the official source and shows when we last checked it. For your own case, use IRCC’s tools or a licensed consultant.