09/03/2026
Are you legally obligated to have Tenant Insurance if you only rent?
In Ontario, tenant insurance isn’t required by law, but it's a smart move and many landlords include it as a condition in the lease agreement. So, while the government won’t force you to get it, your landlord might.
Here’s why it’s worth considering anyway:
Tenant Insurance Covers:
• Your belongings: If there’s a fire, theft, or water damage, your stuff (like clothes, electronics, furniture) is protected.
• Liability: If someone gets hurt in your apartment or you accidentally damage someone else’s property (like flooding the unit below), you’re covered.
• Temporary housing: If your place becomes unlivable due to a covered event, it helps pay for hotel stays and meals.
so, even if your landlord doesn’t require it, having tenant insurance can make you a more attractive applicant when apartment hunting and it gives you peace of mind.
Cost-wise, it’s fairly inexpensive, depending on your coverage, location, and deductible.
You can often save by bundling with auto insurance or installing safety features like smoke detectors.
Need more help figuring out how much coverage you’d need for your stuff? Give us a call today and we can walk you through it.
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