As a renter, you want to make sure your belongings are protected. Replacing items like your bike, bed, or computer can cost a lot, especially if you need to replace everything you own at the same time. Relax with tenant insurance coverage from Aviva. You’ll get the insurance coverage you need for the things that matter most to you.
Choose the right tenant insurance coverage
Enjoy standard tenant coverage features and choose from optional types of tenant insurance coverage.
Available discounts
We’re committed to providing exceptional tenant insurance coverage at competitive rates. You can save even more with our discounts for:
- Combining your home and auto insurance policies
- Being claims-free
Standard coverage
Standard tenant insurance coverage offers great value and protection for:
- Your belongings
- Personal liability of at least $1 million
- Living expenses if you need to move out of your home during a covered claim.
Optional tenant insurance coverages
Need enhanced renter’s insurance coverage? Customize your policy to meet your needs with these add-ons.
The availability of these tenant insurance policy add-ons varies by province. To learn more about these policy options contact your insurance representative.
Water Protection
Get additional protection for your unit with sewer back-up and overland water coverage.
Earthquake Insurance
Earthquake add-on coverage options to help you protect your personal belongings.
Claim Protector
Keep your claims-free discount after your first insurance claim.
Disappearing Deductible
Reduce your policy deductible every year you don’t make a claim.
Cyber insurance for your household
Defend against digital risks with a full range of services to protect you and your family from potential cyber vulnerabilities.
Combine and Save
Enjoy the added convenience of aligned renewal dates and receive your insurance policies in a single envelope when you combine your auto and tenant insurance policies. You’ll also enjoy extra insurance savings.
The tenant insurance you need
With Aviva's tenant insurance, you'll get:
Tenant insurance FAQ
Is tenant insurance mandatory in Canada?
Tenant insurance, also referred to as “renter’s insurance”, isn’t mandatory in Canada. However, it’s common for landlords to require you to have tenant insurance as part of the lease.
If you rent a living space from someone else, your landlord’s insurance policy typically covers the structural elements of the rental property and not your things. Tenant insurance can help protect what you own, cover your personal liability and more in case something happens.
How much does tenant insurance cost?
Insurance companies consider a variety of factors to calculate the cost of your tenant insurance, including:
- The coverage you need and the deductible(s) you choose
- Property location
- Value of your personal belongings (i.e., your laptop, entertainment system, clothes etc.)
- Age of your building
- Type of your building (i.e., low-rise, high-rise, house etc.)
- Construction material (i.e., brick, stucco, wood, etc.)
- Type of electrical and heating system
- Proximity to a fire hydrant or fire station
How can I save on my tenant insurance?
There are a few ways you could save on tenant insurance:
- Combine your tenant and car insurance
- Review your policy yearly to take advantage of available discounts
- Increase your deductible
- Maintain a claims-free record
There are various discounts available for tenant insurance policies that will be applied based on the information you provide.
What does tenant insurance cover?
Tenant insurance is designed to help protect your personal belongings from damage or loss and personal liability when you’re renting a property you don’t own. It may also cover additional living expenses, such as a hotel or other rented accommodations if you can’t live in your rental unit while it’s getting repaired due to a covered claim.
When choosing a tenant insurance policy, think about your level of risk and determine your specific coverage needs. Preparing a home inventory can also help ensure you have enough coverage for your things (such as clothes, furniture, electronics, computers etc.).
Beyond your property, personal belongings and liability, there may be many more coverage options based on the information you provide.
Why do I need tenant insurance?
Your landlord’s insurance policy is intended to cover the structural elements of the rental property and may include things like flooring and fixtures. It doesn’t protect your personal liability or the things you own such as your clothes, furniture, laptop, or entertainment systems. Buying tenant insurance helps cover this gap and more – giving you peace of mind.
Can I add a roommate to my tenant insurance policy?
If you’re living with someone who’s not your spouse, common-law partner or kids, they should have their own insurance policy to cover their personal belongings and liability.
Insurance brokers, the right choice for you
Get expertise for your tenant insurance needs from coverage to claims support, and discounts.
The content on this page is for information purposes only. The insurance products described herein are subject to eligibility, terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more. Availability and pricing vary by province. Certain terms and conditions apply. Please contact your insurance representative for more information.