Get covered fast to secure your housing

• From $17/month; typical online enrollment takes under five minutes.

• Available across Canada, excluding Quebec.

• Designed for students in residence or off‑campus rentals; supports partnerships with educational institutions.

• Core protections: personal liability, personal property (contents), and additional living expenses during covered losses.

• Fast proof for landlords or residence admins after purchase.

• Questions about broker compensation? See Summit’s transparent How we get paid.

Contact Summit for a quote or to confirm residence-specific requirements. If you ever have a loss, start with Claim Services.

What student tenant insurance covers

Student tenant (renter’s) insurance bundles three essentials students typically need to move in with confidence and meet residence or landlord requirements:

• Personal liability: Helps cover legal costs and damages if you unintentionally cause bodily injury to others or damage someone else’s property (for example, a kitchen fire that spreads to another unit).

• Personal property (contents): Helps replace or repair belongings (laptop, phone, textbooks, clothing, furniture) after covered perils like fire, theft, or certain types of water damage.

• Additional living expenses (ALE): Helps pay for temporary accommodations and extra costs if a covered loss makes your unit uninhabitable.

Note: Final terms, limits, deductibles, and exclusions depend on the insurer and policy selected. Summit is an independent Canadian brokerage that compares multiple insurers to help you select the right fit.

Who it’s for and where it’s available

• Full‑time or part‑time students renting in Canada (excluding Quebec).

• On‑campus residence, purpose‑built student housing, homestay, or off‑campus rentals.

• Domestic and international students who need proof of insurance to receive keys or complete residence files.

Pricing, limits, and what affects your premium

• Starting price: from $17–18/month (actual premium varies by insurer and province).

• Common factors: city/neighbourhood, building type/age, limits and deductibles chosen, claims history, and any required endorsements from your school or landlord.

• Tip: Selecting realistic contents limits and a sensible deductible can keep premiums efficient while satisfying residence requirements.

Proof of insurance and residence requirements

• Most residences/landlords accept a digital confirmation of coverage and certificate listing basic policy details.

• Summit can provide documentation promptly after binding so you can complete your move‑in checklist on time.

• If your residence requires specific wording, send their requirements to your broker during quoting so they can be incorporated into your documentation when available.

How Summit supports students

• Independent market access: We compare multiple Canadian insurers rather than selling a single carrier’s product.

• Speed and responsiveness: Quotes and documentation prioritized for move‑in deadlines; students often complete enrollment in minutes.

• Clear compensation: We disclose commissions, fees (if any), and other compensation practices up front. See How we get paid.

• Claims advocacy: If something goes wrong, start with Claim Services; Summit helps coordinate next steps with the insurer and restoration vendors.

FAQs for students and residence administrators

• Is tenant insurance legally required? Not generally, but many residences and landlords require proof as a condition of occupancy; it’s also a practical way to protect your belongings and personal liability.

• Is “tenant insurance” the same as “renter’s insurance”? Yes—different names for similar coverage.

• Are roommates covered on one policy? Often, each tenant needs their own policy; some insurers may allow named roommates. Your broker will confirm what your residence accepts.

• Does liability cover accidental damage to my rental unit? Liability typically responds to unintentional damage to others’ property; your broker will clarify how your chosen policy addresses damage to your rented unit under applicable forms.

• Are there limits for high‑value items like laptops or bikes? Many policies include sub‑limits for certain categories. Tell your broker about high‑value items so they can recommend appropriate limits or endorsements.

• I’m an international student/newcomer—can I still get covered? In most cases, yes. Summit brokers regularly support international students; documentation needs vary by insurer and province.

• How do I file a claim? Go to Claim Services or call Summit; have the date of loss, what happened, and any photos/receipts ready. Summit will liaise with the insurer and keep you updated.

How to get started (today)

1) Share your residence or landlord requirements and your desired contents limit. 2) Receive curated options and pricing from multiple Canadian insurers (ex‑QC). 3) Bind coverage and receive digital proof for your residence file. 4) Keep your broker in the loop when you change addresses, roommates, or limits.

If you have questions, reach the team via Contact Summit.