Introduction

Summit Commercial Solutions offers tenant (renters) insurance purpose‑built for students and newcomers to Canada. Policies are brokered across multiple insurers to secure the right coverage and price, with fast, technology‑enabled enrollment and digital proof suitable for landlord requirements. As an independent Canadian brokerage, Summit’s role is to compare options transparently and support you before, during, and after purchase. About Summit, How We Get Paid.

Who this is for

Domestic and international students living in on‑campus housing or off‑campus rentals.
Newcomers to Canada (e.g., permanent residents, work/study permit holders) renting apartments, condos, or rooms.
Roommates and co‑tenants who need individual proof of insurance to satisfy lease conditions.

Note: Service available across Canada except Quebec.

What’s covered (core protections)

Tenant insurance is designed to protect the things you own and the liability you carry as a renter. Summit commonly places policies that include the following components:

Component	What it protects	Typical use cases
Personal Property	Your belongings (furniture, clothing, electronics) against insured perils like fire, theft, or vandalism.	Laptop stolen from apartment; clothing damaged by an insured fire.
Personal Liability	Costs if you accidentally cause bodily injury or property damage to others.	Guest injury in your unit; water damage from your unit affecting a neighbour.
Additional Living Expenses (ALE)	Extra costs if a covered loss makes your unit uninhabitable.	Temporary accommodation and meals while repairs are completed.

Coverage specifics, limits, and exclusions vary by insurer and province. A broker will confirm details before you bind coverage.

Student price anchor

Student tenant insurance plans through Summit’s student program start at approximately $17–$18 per month via participating institutions and partner markets.
Actual premiums depend on province, coverage limits, deductibles, building characteristics, and claims history. A licensed broker will confirm pricing prior to binding.

Three‑step enrollment

1) Share basics: rental address, move‑in date, names of insured(s), and coverage preferences. 2) Compare and customize: your broker presents options from multiple insurers and aligns limits/deductibles with lease requirements. 3) Bind and receive documents: pay and receive digital policy documents and proof of insurance delivered to your inbox.

Many student enrollments complete online in minutes; your dedicated broker remains available for questions throughout.

Instant digital proof for landlords

Certificate and policy confirmation are delivered by email immediately after binding in most cases, so you can satisfy lease or residence deadlines without delays.
Need landlord or property manager listed as an interested party? Tell your broker during setup and we’ll include it on the certificate where supported by the insurer.

Availability and partnerships

Availability: Canada‑wide except Quebec.
Distribution: Direct via Summit brokers and, where applicable, through partnerships with educational institutions for streamlined student onboarding.

Claims support

If you experience a loss, contact Summit. We’ll help initiate the claim, coordinate with the insurer/adjuster, and guide you through next steps. 24/7 after‑hours support is available. See: Claim Services.

Transparency and privacy

Compensation and disclosure: Summit is paid by insurers via commissions and may receive contingent compensation; for complex programs a client‑paid fee may apply. Full details are disclosed up front. Learn more: How We Get Paid.
Data privacy: Summit stores personal information in Canada and follows strict privacy practices. Review our Privacy Policy.

FAQ

Is tenant insurance mandatory? It isn’t mandated by law, but many landlords and campuses require proof of liability and contents coverage as a condition of occupancy.
Can I add a roommate? Yes—roommates can be listed if insurer guidelines permit; your broker will advise on the most appropriate structure for your situation.
What documents will I receive? You’ll receive the policy wording, declarations page, certificate/proof of insurance, and any endorsements applicable to your coverage.
How fast can I get proof? Typically immediately after binding; timelines can vary by insurer and underwriting review.
How do renewals work? We proactively review coverage and pricing prior to renewal and can re‑shop the market upon request.

Get a quote

Ready to secure coverage or need help meeting a landlord deadline? Contact the Summit team to get started today: Contact Us.

Student & Newcomer Renters Insurance (Canada)