Home is where the heart is – and also where your stuff is. If you’re renting a home, condo, or apartment, your landlord is responsible for insuring the structural elements of the rental property, but it’s up to renters to make sure your belongings are protected. With tenant insurance, we’ll make sure your possessions can be replaced in the event of damage or loss.
Tenant Insurance - the protection you need
Are you looking for insurance for an apartment, condo or home that you are renting? We’ll make sure your things are protected as a renter-and more. Our tenant insurance goes beyond insuring your prized possessions, to cover you for unintentional injuries on your property, damages as a result of identity theft and upgrades you’ve made to your rented home.
Included in your policy:
We'll cover the cost of repairs or replacement of your belongings, and some additional living expenses if you have to move out temporarily or
find a new home due to damage after an insured loss.
If someone is accidentally injured on your property, or you unintentionally cause an injury (at home or elsewhere)—we’ll help you cover the
cost of damages. You can choose between $1 million or $2 million in coverage.
We don’t just cover your contents. In many circumstances, we’ll also cover accidental damage, voluntary medical expenses and any upgrades
you’ve made to the home/apartment. Coverage is all risk, meaning you will be covered for loss or damage other than from perils that are specifically excluded.
If you have any items in your home that are especially valuable, we’ll cover them. This could include jewellery, art and more.
Getting your identity stolen could result in financial losses from legal fees, identity restoration fees, and lost wages. So we’ll protect you
financially for up to $30,000.
Ways renters can save on their insurance
We’ll help you save on your tenant insurance with these special discounts:
Group members can save even more
You could save on tenant insurance by being part of an eligible group. This may include members of academic institutions and other associations.
Combine and save
Insure both your car and home with us to get an additional discount.
Bundle travel and tenant insurance
If you're a group member and purchase travel insurance with us, you could be eligible to save on your tenant insurance.*
Perks that come with being a tenant
Enjoy these extra benefits with your tenant insurance:
Whenever you need us, we’ll be here to help. All day, every day.
If you or your spouse are 50+, you could qualify for extra services: nursing, companion, housekeeping after a hospital stay, and home repair referral services.
More than just insurance
We know that our coverage is just the beginning. We'll help answer your questions and give you the tips and tricks you need to protect your home.
Tips for tenants and renters to get organized during a move:
A Week Before
Change your address a week before you move. This includes mail forwarding, utilities, banking, etc. This is important because most companies require up to a week to process the address change.
Use small boxes for heavy items. This will keep the weight manageable and limit the amount of empty space within the box, keeping the items from shifting or breaking while in transit.
To prevent potential leaks from bottles—like shampoo or cooking oil—take an extra couple seconds to unscrew the cap, place a piece of plastic wrap or a plastic bag over the opening and reapply the lid. Simple, yet surprisingly effective.
Pack an Overnight Bag
Packing an overnight bag is a smart way to ensure that you can settle in on your first night. Even if you’re organized and prepared, boxes can get misplaced, movers can be delayed and accidents can happen–be prepared with clothes, a water bottle, toiletries and electronics chargers.
Set aside a box of cleaning supplies to have handy when you arrive at your new home. No one wants to unpack their belongings in a dirty space, so keep essentials handy.
For renters, take photos of every space before you start moving your possessions into your new home. It will be much more difficult to prove that you didn’t cause any pre-existing damage after all your furniture is moved in.
Have questions? We're here to answer them
Tenants need insurance. Even if you don’t own the home you live in, there are several important reasons to have insurance:
- Coverage for the loss or damage of your contents and personal property
- Coverage for additional living expenses if you have to move out of your rental because of an insured loss
- Personal liability coverage
- Coverage for dwelling improvements and betterments made by you or acquired at your expense
- Tenant insurance is relatively inexpensive. It protects your contents and your legal obligations to visitors and the owner of the home.
Please connect with us to ensure that you have adequate coverage to protect you and your family.
Your tenant policy will cover the personal items in your home which can include your furniture and appliances, clothing, jewellery, electronics, cameras, etc.
Although specialty items (such as jewellery, furs, artwork, coin collections, bicycles, etc.) are included in your personal property, they are often subject to specific limits.
When higher limits are required for specialty items, you can purchase optional riders to enhance coverage.
Please connect with us to ensure that you have adequate coverage to protect you and your valuables.
If you are covered, we will repair or replace your items with something of similar like, kind & quality, as outlined by your policy. Please keep in mind that you have complete control over who will complete the repairs to your items (if needed) or where they will be replaced.
When making a claim, you will be asked to provide the make or model numbers (if applicable) for particular items, as well as detailed description of any items you may be claiming for . You may also need to provide photos, receipts and other information about.
We want you to know that we’re still here to support you!
Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.
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Visit Johnson Assurance - Quebec for plans available in QC.
Johnson Insurance is a tradename of Johnson Inc. (“JI”), a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and Johnson Inc. in Manitoba. Home and car policies underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”) in Quebec and underwritten exclusively, and claims handled, by Unifund Assurance Company (“UAC”) in the rest of Canada. Described coverage and benefits applicable only to policies underwritten by UAC. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. JI, RSA and UAC share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.
*MEDOC® is a Registered Trademark of JI. This insurance product is underwritten by RSA and administered by JI. Valid provincial or territorial health plan coverage required. The eligibility requirements, terms, conditions, limitations and exclusions which apply to the described coverage are as set out in the policy. Policy wordings prevail.