Tenant insurance designed for renters

Looking for tenant insurance in Canada? You’re in the right place!
Get great deals on tenant insurance and a simplified online experience with belairdirect.

Why you need tenant insurance

You may not be the owner, but the property with your name on the lease is the place you call home! Whether you’re renting a house, an apartment or a condo, tenant insurance is the smart choice to protect yourself and your belongings. Your landlord’s insurance only covers the building and the assets that they own, and may not cover your personal property if it gets damaged. Tenant insurance can protect your personal belongings, as well as providing you with liability coverage if someone hurts themselves while on the property you rent.

What does tenant insurance cover?

Tenant insurance can protect your personal belongings if they are lost or damaged in a covered incident, including clothing, furniture, electronics and any other personal items within your rented property. Tenant insurance also provides you with liability coverage if someone hurts themselves while on the property you rent and may help pay for medical bills, property damage and lawsuits. Finally, tenant insurance can help you get back on your feet after a covered incident by reimbursing living expenses if your place of residence becomes uninhabitable.

Standard tenant insurance coverage


Your personal property

This includes the things you own, wear or use while you’re in your rented space, like jewelry, clothes, shoes, and electronics. Tenant insurance can help ensure that you don’t have to start from scratch if your personal items are lost or damaged after a covered incident.


Additional living expenses

If your rental dwelling becomes unfit to live in due to a claim, you may be eligible for financial help to cover living expenses so that you can get your life back to normal as quickly as possible.


Personal liability coverage for tenants

You can rest easy knowing you’re covered if ever somebody accidentally gets injured on your rented property or a covered incident causes damage to somebody else’s property. This may cover things like medical expenses, lawsuits and property damage. Liability coverage may also protect you if ever you injure someone accidentally or cause property damage anywhere in the world.

Optional tenant insurance coverage

Enhanced Water Damage Package

By adding this additional coverage to your tenant insurance policy, you'll be protected if water from an external source suddenly and accidentally begins seeping into your unit due to an event like rain, snow or leaks. belairdirect's Enhanced Water Damage Package could protect you from:


Sewer back-ups

If water should accidentally back-up from the sewer system and begin flowing into your unit, the damages could be covered.


Overland water

If you qualify, water damages caused by overflowing from a lake, river, heavy rain or rapid snowmelt that enters your unit from above ground could be covered.

Get tenant insurance coverage in a few easy steps 

Buying tenant insurance online has never been easier with belairdirect!

  • 1 Get a quick quote Get your tenant insurance quote in a flash by doing it online. You don’t even have to talk on the phone!
  • 2 Buy the coverage you need Customize your tenant insurance coverage to fit your needs and your budget, and then buy online instantly.
  • 3 Manage your tenant insurance online Manage your tenant insurance and submit claims online or on the belairdirect app, 24/7.

How to save on tenant insurance in Canada

Here a few tips to help you save money on your tenant insurance:

Bundle car and tenant insurance to save money

Try to bundle your car and tenant insurance together with the same insurance company – you can save both time and money!

Group discount

It pays to be a member! You could get exclusive savings on tenant insurance as a member of an eligible group with belairdirect.

Agree to a credit check

A good credit score can bring down your premium and shows the insurance company that you have a good repayment history. The higher your credit score, the lower your rates.

Tenant insurance discounts available in Canada

Bundle car + tenant

You can save up to 5% on your tenant insurance when you combine both policies! You can save up to 10% on your tenant insurance when you combine both policies!

Group discount

It pays to be a member! You could get exclusive savings on tenant insurance as a member of an eligible group with belairdirect.

belairdirect mobile application

Tap into simplified tenant insurance with the belairdirect app

Get instant access to your tenant insurance wherever you are. Managing your tenant insurance policy and submitting a claim has never been this quick and easy!

Learn more about the belairdirect mobile app

Frequently asked questions (FAQs) about
tenant insurance in Canada

Although there’s no law about having renter’s insurance in Canada, landlords can require a tenant to buy and maintain tenant's insurance as a requirement of the lease. In addition, requiring tenants to purchase their own insurance policy is the only real way to protect their possessions.

Although both terms are used in everyday language and mean essentially the same thing, the Insurance Bureau of Canada and belairdirect use the term “tenant insurance” and refer to it as such within any documents and communications.

Tenant insurance differs from homeowner’s insurance because the renter isn’t the owner of the house or apartment that needs to be covered. If the place they’re renting were to be damaged by a covered loss, they would not be responsible for repairing the damages. That would fall under the landlord’s responsibility and their insurance policy.

A tenant insurance policy would instead cover a renter’s personal property within the apartment or rented home if it were to be damaged, lost, or stolen due to a covered incident.

A renter’s insurance policy could also cover the cost of a hotel or alternate place to stay while your apartment or house is being repaired and uninhabitable to help you get back on your feet faster.

Tenants are held financially responsible for the harm they cause to any part of the building in which they live. Your liability coverage will protect you if you cause accidental damage to the building – whether to your unit or to the whole building.

Before leaving, unplug appliances. When you're gone, have a friend check on your apartment daily to ensure there is no water damage, and ask them to clear snow from the balcony, etc.

Make sure you check the terms and conditions of your policy to confirm that you have adequate coverage.

Working from home? As a renter, you can rest assured. No matter if you rent an entire house or an apartment, tenants can work from home with reassurance knowing that their personal property is protected from a covered incident. With tenant insurance coverage from belairdirect, your policy includes stipulations that allow you to concentrate on your work.

An important thing to note is tenant insurance is not designed to protect you while running a business from your apartment or rented home. If you work as a freelancer or run your own business, your business equipment and supplies would be considered commercial, and would not be covered by a tenant insurance policy. You would need to invest in commercial insurance coverage that covers business assets.

Talk to an insurance agent if you have any questions.

Tenant insurance can cover a renter’s personal property within their apartment, or while they’re moving. Under a standard tenant insurance policy, a renter’s insurance can cover their personal belongings both inside and outside their home, such as items you leave in your car. A storage unit, however, is considered a long-term storage solution. This would mean that your personal property would not be covered under your tenant insurance coverage if it’s being stored in a storage unit or commercial warehouse.

If you plan to store your personal belongings within a commercial storage unit for an extended period of time, you’ll need to talk to an insurance agent and consider purchasing standalone storage unit insurance. Because no insurance policy is identical to another, it’s important that you check to see what your tenant insurance policy entails.

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