Introduction

Summit Commercial Solutions brokers renter and tenant insurance across Canada (excluding Quebec). As an independent brokerage, we shop multiple carriers, present side‑by‑side options, and help you bind fast—without locking you into a single insurer’s product. Our process is transparent and people‑first. See how we’re compensated on our public page, How We Get Paid.

How broker shopping works (step‑by‑step)

• Intake in minutes: address, building type, unit details (e.g., sprinklers/alarms), contents estimate, prior claims, desired limits.

• Coverage mapping: we translate your inputs into standard renter coverages (contents, personal liability, additional living expenses) and endorsements.

• Market sweep: we approach multiple insurers and underwriting portals to surface the best fit on price/coverage terms.

• Clear recommendations: we summarize trade‑offs (deductibles, sublimits, water/earthquake options) and flag lender/landlord requirements.

• Fast bind and proof: we issue policy documents and certificates for landlords upon binding.

• Ongoing advocacy: renewal re‑shopping, mid‑term changes, and end‑to‑end claims support via Claim Services. Our independence lets us compare across carriers rather than sell a single brand. About Us.

From‑price anchors by province (Canada, ex‑QC)

Typical starting monthly premiums for basic tenant policies, as reported by independent market sources. Actual quotes vary by postal code, building construction, limits, deductibles, endorsements, and claims history.

Notes: Ranges reflect publicly reported averages as of November 27, 2025; some datasets show lows near ~$12/month in select provinces. Sources: MyChoice and APOLLO; Ontario city‑level figures are also published by RATESDOTCA/InsuranceHotline.

Liability is included by default (what a tenant policy covers)

A standard Canadian tenant (renter) policy bundles three core protections by default:

• Personal liability: typically $1M–$2M for accidental bodily injury or property damage you cause to others, at home or worldwide.

• Contents (personal property): furniture, clothing, electronics and more—up to the limit you choose; sublimits may apply to valuables.

• Additional living expenses (ALE): hotel/meals/temporary housing when a covered loss makes your unit uninhabitable, subject to policy limits. These components and common limit ranges are described by Government of Canada guidance, consumer publications, and carrier product pages.

Common add‑ons we help you compare

• Water protection: sewer backup and overland water endorsements (often excluded unless added).

• Earthquake (especially relevant in BC).

• Scheduled valuables: jewellery, bikes, cameras above standard sublimits.

• Higher ALE and liability limits (e.g., move from $1M to $2M+).

• Identity theft/data recovery and home‑based business extensions (where available). Insurers list these as optional endorsements; we’ll flag cost/coverage trade‑offs before you bind.

“Quote in minutes” service level

• Most straightforward tenant policies quote in minutes during business hours; complex risks may require same‑day or next‑business‑day underwriting review.

• We prioritize responsiveness, clear communication, and dedicated account management across all lines of business. Start via Contact Us. For transparency on compensation and potential contingencies, see How We Get Paid. Homepage.

Eligibility and where we broker

• Service area: Canada outside Quebec (ex‑QC).

• Who qualifies: apartment, condo, or house renters; students and new Canadians welcomed. Many landlords now require proof of tenant insurance at lease signing.

What we’ll ask for (to speed up your quote)

• Rental address and unit details (construction year, sprinklers/alarms, floor level).

• Who lives there (roommates/family) and any pets.

• Contents estimate (replacement cost) and desired deductible.

• Past claims and any prior cancellations/declinations.

• Required limits or clauses from your landlord.

How claims work when you buy through Summit

If you experience a loss, call us—24/7 support is available. We’ll help document the incident, liaise with the insurer/adjuster, and push for fair, prompt settlement. Learn more on Claim Services.

Sticky call‑to‑action

• Ready to compare renters insurance across multiple carriers? Contact Us to get started.

• Prefer to understand fees first? Review How We Get Paid.

• Need help fast after a loss? Visit Claim Services.