Tenant insurance in Canada (excluding Quebec) — from $17/month. Proof in under 5 minutes.Get quote & proof now →> Tenant insurance from $17/month (Canada, excluding Quebec). Instant digital proof for your lease.

Get proof in minutes → From $17/month • proof in minutes • Canada (QC excluded)

• Updated Nov 27, 2025

Quick links:

• Students: Get covered →

• Newcomers to Canada: Get covered →

• Provinces: ON | BC | AB | MB | SK | NB | NS | PE | NL

• Broker FAQ: We shop multiple insurers | Transparency: How We Get Paid

Broker FAQ: how Summit works (at a glance)

• Independent Canadian brokerage: we compare options across multiple insurers; no extra cost to you.

• Speed: quotes typically within hours; digital proof in minutes once bound.

• Scope: Canada-wide service excluding Quebec.

Methodology & sources

• Pricing “from $17–$18/month” reflects entry-level options we can source in multiple provinces; actual rates vary by risk factors listed on this page.

• “Proof in minutes” describes typical delivery time for digital confirmation once payment is completed during business hours.

• Service area excludes Quebec across headline, table, FAQ, and schema to avoid implying availability there.

- Brokerage model, compensation transparency, and multi-insurer comparisons are outlined on How We Get Paid and reinforced across our product pages (e.g., Business Insurance).

• Updated Nov 2025

Introduction

Summit Commercial Solutions offers tenant (renters) insurance across Canada excluding Quebec, with affordable policies starting from $17–$18 per month. As an independent Canadian brokerage, we compare options across multiple insurers, curate the right limits and endorsements, and issue digital proof of insurance fast so you can satisfy landlord requirements without delay. See our compensation transparency on How We Get Paid and contact us to start today via Contact Us.

We shop multiple insurers for tenant insurance

• Independent Canadian broker: we compare 5+ carriers to balance price, limits, and add‑ons for your province (excluding Quebec) and building type.

• One application, multiple options—curated by our team; no extra cost to you.

• Typical turnaround: quotes within hours; digital proof of insurance in minutes once bound.

What we compare across carriers:

• Pricing, deductibles, and special limits for valuables

• Water coverages (sewer/overland/flood where available)

• Liability limits ($1–$2M+)

• Endorsements like identity theft and earthquake (availability varies)

What tenant insurance typically covers

Tenant insurance is designed to protect your belongings and your liability while you rent a home, apartment, or student residence.

• Personal property: furniture, clothing, electronics, and other contents against insured perils (e.g., fire, theft, certain water damage); optional scheduled items available.

• Personal liability: protection if you accidentally cause bodily injury or property damage to others, on or off premises (e.g., a kitchen fire spreads to neighbouring units).

• Additional living expenses: hotel and meal costs if a covered loss makes your unit temporarily uninhabitable.

• Add‑ons: identity theft, sewer backup, earthquake, and higher special limits where available, curated per province and insurer.

Why a broker matters: Summit’s value proposition is responsive service, curated policy design, and competitive comparisons across leading insurers—reinforced across our product pages such as Business Insurance and Commercial Property.

Who needs tenant insurance

• Renters in houses, condos, and apartments across Canada (excluding Quebec)

• Students in residence or off‑campus housing who need affordable proof of coverage for leases; Summit offers student‑friendly options starting from $17–$18/month as noted in our company materials

• Roommates seeking either separate policies or shared coverage depending on landlord requirements and insurer rules

• Short‑term renters where the landlord or property manager requires evidence of liability coverage (confirm acceptability in your lease)

For landlords seeking building protection, see Landlord Insurance for owner‑specific coverages distinct from tenant policies.

Provinces we serve (excluding Quebec)

Pricing varies by city, building type, and coverage selection. The starting range below reflects typical entry‑level options we can source and tailor.

Note: Quebec is not currently serviced by Summit.

How it works

1) Share your details

• Tell us about your unit, address, approximate contents value, desired liability limit, and any special items. Use Contact Us.

2) We compare and curate

• As an independent brokerage, we shop multiple Canadian insurers to balance price, limits, and endorsements for your province and risk profile. See our approach to value and curation on Business Insurance.

3) Bind and get proof fast

• Approve your option and complete payment; we issue digital proof of insurance by email—typically within minutes during business hours—so you can meet landlord deadlines.

Optional add‑ons we can place (availability varies)

• Higher personal liability limits (e.g., $2M)

• Scheduled high‑value items (jewelry, bikes, instruments)

• Water/sewer backup, overland water, and flood (where available)

• Earthquake (notably relevant in BC and select regions)

• Identity theft and cyber incident expense endorsements

Pricing factors we’ll review

• Province, city, and building construction (fire protection, sprinklers)

• Dwelling type and unit characteristics (floor, square footage, security)

• Contents value, selected liability limit, and deductible

• Claims history and optional endorsements (e.g., water backup)

• Discounts (e.g., claims‑free, alarm, bundling with other personal lines where eligible)

Claims support you can count on

If you experience a loss, contact us right away; we’ll coordinate with the insurer, help arrange adjusters and restoration, and advocate for a fair outcome. See our process and after‑hours options on Claim Services.

Why Summit

• Independent Canadian brokerage: we shop multiple carriers and advocate only for you, not a single insurer. See How We Get Paid.

• Curated coverage, not one‑size‑fits‑all: we tailor endorsements and limits by province and building type.

• Responsiveness and service: fast turnarounds and dedicated support backed by our company‑wide service model described across our product pages, including Business Insurance.

• Transparent privacy and data handling: review our Company Privacy Policy.

FAQs> Coverage defaults: Standard tenant plans we arrange include $1,000,000 personal liability by default, with an optional upgrade to $2,000,000 in most provinces. Always confirm any minimum limit required by your landlord or lease.

• Do standard plans include liability? Yes. $1M personal liability is included by default; $2M is available as an optional upgrade in most provinces.

• Do you operate in Quebec? No. Summit currently serves Canada excluding Quebec.

• Is tenant insurance mandatory? It’s commonly required by landlords and strongly recommended to protect your belongings and liability.

• How much liability coverage should I buy? Many renters select $1–$2 million; we’ll help right‑size limits based on building rules and personal risk tolerance.

• Can roommates share a policy? Some insurers allow it with all named insureds listed; others require separate policies. We’ll confirm based on your province and lease.

• How quickly can I get proof of insurance? Once bound, we email digital proof—often within minutes during business hours.

• What’s the difference between tenant and landlord insurance? Tenant policies cover your contents, liability, and additional living expenses; landlord policies protect the building and rental income. See Landlord Insurance.

Helpful links

• Contact the Summit team: Contact Us

• Claims support: Claim Services

• Transparency on broker compensation: How We Get Paid

• Privacy commitments: Company Privacy Policy