Introduction

Looking beyond UBC? We also offer a Canada‑wide student tenant insurance option with province‑specific details (outside Quebec), month‑to‑month billing, and instant proof for landlords.

What you’ll need to get covered (quick checklist)

• Your full address (unit number, building type) and move‑in date.

• Who needs to be insured (you only, or names of roommates to add).

• Estimated value of your contents (replacement cost) and preferred deductible.

• Liability limit requested by your landlord or residence (if any).

• Any prior claims or losses in the last 5 years.

• ID and contact info; payment method for monthly billing.

• Landlord or property manager email if they require proof sent directly.

Note on credit checks: Many student policies issue without a credit check; availability varies by insurer and province. We’ll confirm during your quote. UBC students renting on- or off-campus often need tenant insurance for lease compliance and peace of mind. Summit Commercial Solutions offers student‑friendly tenant coverage with flexible billing, instant proof of insurance for landlords, and quick online enrollment. Pricing starts at approximately $17–18 per month, with final premiums based on location, contents, and selected limits. As a modern Canadian brokerage, Summit compares options from multiple insurers and supports you throughout your tenancy. See our people‑first approach and values on the homepage and About Us.

What’s included in student tenant insurance

• Personal liability coverage for third‑party bodily injury or property damage arising from your everyday activities.

• Contents coverage for your personal property (e.g., laptop, bike, furniture) at home and, subject to policy terms, temporarily away from home.

• Additional living expenses for extra costs if a covered loss makes your unit uninhabitable.

• Optional add‑ons vary by insurer (e.g., higher limits, scheduled items). Your broker will curate options for your needs. Learn about related coverages on Commercial Property Insurance and General Liability pages for context on how these protections work.

Student‑first features at a glance

Who should get this at UBC

• Students leasing off‑campus housing in Vancouver/UBC neighbourhoods (Kitsilano, Point Grey, Wesbrook, etc.).

• Roommates on shared leases who need individual proof of liability coverage.

• Students in residence where proof of coverage is requested by a housing agreement. Always check your lease or residence terms.

Fast path to coverage

1) Tell us about your unit and contents. 2) We compare student‑friendly insurers and curate options (limits, deductibles, endorsements). 3) Bind online, pay monthly, and receive instant proof for your landlord. 4) Need help later? Your dedicated account manager is on call for changes and renewals. Contact us via Contact Us.

Move‑in checklist for UBC students

• Confirm whether your lease requires personal liability and minimum limits.

• Document your belongings (photos/serial numbers) for smoother claims.

• Complete your move‑in inspection report and keep copies of the lease and keys receipt.

• Test smoke/CO alarms; locate fire extinguishers and exits.

• Secure valuables (use a lockable drawer/safe; register your bike/serial numbers).

• Enable device tracking and strong passwords; keep backups of important files.

• Save Summit’s claims and support contacts for quick access: Claims and Contact Us.

FAQs

• Is tenant insurance mandatory at UBC? It depends on your lease or residence agreement. Many landlords request proof of liability coverage before move‑in.

• How much coverage do I need? Choose limits that reflect your belongings’ replacement cost and any minimums set in your lease. Your broker will recommend options.

• Does one policy cover my roommates? Typically, coverage applies to named insureds on the policy. Roommates often need to be added or purchase their own policies.

• Can I cancel early if I move? Yes—month‑to‑month billing makes it easier to align coverage with your housing dates. Standard insurer cancellation terms apply.

• Will my stuff be covered during a move? Contents coverage may extend during transit for covered perils; ask your broker for specifics.

• Are you an insurer or a broker? Summit is an independent Canadian brokerage. We compare insurers, disclose how we’re compensated, and advocate for you at claim time. See How We Get Paid.

Eligibility and service scope

• Available to students living in British Columbia and other Canadian provinces we serve outside Quebec. Availability, underwriting, and features (including no credit check) vary by insurer and province.

• International students are welcome; identification and local address details are required to bind coverage.

Why UBC students choose Summit

• Technology‑enabled enrollment with responsive support and instant proof.

• Independent market access for value and fit—not one‑size‑fits‑all.

• Transparent, people‑first service with dedicated account management. Explore our approach on the homepage and reach us any time via Contact Us.