Landlord's insurance only covers the building structure, not your personal belongings or liability. Many landlords now require proof of tenant insurance before handing over keys, and even small apartments can contain thousands in valuables. Standard coverages include:
Furniture, clothing, electronics covered for fire, smoke, theft, vandalism, and water damage; items temporarily outside the home; optional add-ons for high-value items
Accidental injury or property damage to others; legal costs and settlements; coverage at home and away
Covers hotel, meal, and accommodation costs if your unit becomes unlivable; covers you until your home is safe to return
Additional protections can be added to your tenant insurance policy:
Sewer backup and overland water coverage
Replacement add-on for high-value items beyond standard limits
Extends protection beyond the basics for added peace of mind
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Is tenant insurance mandatory in Ontario?
Tenant insurance is not legally mandatory in Ontario. However, many landlords require proof of coverage before giving you keys. Even if your landlord doesn't require it, tenant insurance protects your belongings and liability risks that can cost thousands out-of-pocket without coverage.
Does my landlord's insurance cover me?
No. Your landlord's insurance covers only the building structure, not your personal belongings or liability. If there's a fire, theft, or water damage affecting your possessions, you'll need your own tenant insurance policy to be reimbursed.
What happens if I move apartments?
Most tenant insurance policies are portable. When you move, simply update your address and unit details with your broker. Your Morison Insurance broker will ensure your coverage transfers smoothly and adjust limits if needed for your new rental.
Can I share a policy with my roommate?
It's possible but not always recommended. Sharing a policy means you both have access to the same coverage limits and claims history. Most insurers prefer each tenant to have their own policy for clearer liability and claims handling.
Does tenant insurance cover water damage?
Standard tenant insurance covers certain types of sudden and accidental water damage, like burst pipes or accidental overflow. However, flooding and sewer backup typically require additional coverage. Your Morison broker can add water protection endorsements to fill these gaps.
How much tenant insurance do I need?
Most brokers recommend at least $2 million in liability coverage and enough contents coverage to replace your belongings. Take an inventory of your possessions, like furniture, electronics, clothing, and valuables, then discuss appropriate limits with your Morison broker.
Does tenant insurance cover theft outside my home?
Yes. Most tenant insurance policies provide worldwide coverage for your personal belongings, meaning items stolen from your car, workplace, or while travelling are typically covered up to your policy limits.
