Fast, affordable protection for rented student and newcomer housing
Summit Commercial Solutions offers simple, low-cost tenant insurance tailored for students and newcomers renting in Canada (all provinces and territories except Quebec). Pricing starts from $17–$18 per month, with core protections for personal liability, your belongings, and additional living expenses if an insured loss makes your place unlivable. Digital proof of insurance is available quickly for landlords and school housing offices.
Eligibility and availability
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You rent a room, dorm, apartment, or house share in Canada (Quebec excluded).
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You’re a post‑secondary student or a newcomer (e.g., study or work permit holder, permanent resident, recent immigrant) living in rented accommodation.
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You meet the age of majority in your province/territory and basic underwriting requirements.
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Coverage is placed through Summit as an independent Canadian brokerage that shops multiple insurers to find fit and value.
What’s included in a standard plan
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Personal liability coverage — base limit typically $1,000,000 included; higher limits available on request.
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Contents (personal property) — protect essentials like clothing, electronics, and furniture against insured perils.
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Additional living expenses — reimbursement for reasonable extra costs (e.g., hotel, meals) when a covered loss makes your unit temporarily uninhabitable.
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Flexible monthly billing — premiums commonly start from $17–$18 per month in many provinces and territories outside Quebec.
Notes: Exact limits, deductibles, and eligibility depend on insurer, province/territory, and risk profile. Your binding quote and policy wording control.
At‑a‑glance
| Feature | Details |
|---|---|
| Monthly price anchor | From $17–$18 per month (province, insurer, and coverage selections may vary) |
| Personal liability | $1,000,000 base limit included on standard plans; higher limits available |
| Contents coverage | Choose the amount that fits your situation; deductible applies |
| Additional living expenses | Included for covered losses making your place uninhabitable |
| Proof of insurance | Digital certificate delivered quickly for landlords/schools |
| Where available | All Canadian provinces and territories except Quebec |
How it works
1) Tell us about your housing situation and what you need covered. 2) We compare options across insurers and prepare a tailored quote. 3) Bind coverage and receive digital proof of insurance quickly. 4) Manage documents and updates with your dedicated Summit account manager.
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Start here: Contact Summit directly to get started.
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Claims anytime: Contact Summit’s claim services team for assistance.
Proof of insurance for landlords and schools
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Instant documentation: receive a digital certificate you can share with your landlord or housing office.
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Fast edits: need an updated address or named landlord? Your account manager can turn that around quickly.
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Secure storage: keep your certificate and policy documents accessible for renewals and move‑ins.
Claims and support
If something goes wrong, call Summit first. We’ll help open and coordinate your claim with the insurer, guide next steps, and advocate for a prompt, fair resolution. 24/7 support is available after hours. More information about claims is available from Summit.
Transparency you can count on
Summit is fully independent and transparent about compensation. Information is available regarding how Summit is paid (commissions, fees, and contingents) and what that means for you.
FAQs
Is this available in Quebec?
No. This student and newcomer tenant insurance is available across Canada except Quebec.
What does the monthly price include?
Your premium covers the policy’s core protections: personal liability, contents, and additional living expenses. The $17–$18/month figure is a common starting point; your final price depends on province/territory, insurer, coverage amounts, and risk factors.
Is $1,000,000 personal liability really included?
A $1,000,000 personal liability limit is typically included as a base on standard plans. Higher limits can be quoted. Final terms are set by the insurer on your binding quote.
Can I get proof of insurance quickly for my landlord or school?
Yes. After binding, you’ll receive a digital certificate you can share immediately. Edits (like adding a landlord as an interested party) can be handled quickly by your account manager.
How do I file a claim?
Contact Summit right away. We’ll collect details, notify the insurer, and help coordinate adjusters and restoration vendors. More information about claims is provided by Summit.
Can I customize my contents amount or deductible?
Yes. We’ll help you pick contents limits and deductibles that fit your budget and what you own.
Important notes
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Quebec (QC) is excluded from this offering.
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Coverage, eligibility, price, limits, deductibles, conditions, and exclusions vary by insurer, province/territory, and risk. Your quote and policy documents govern.