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Tenant Insurance in Toronto from $17/month (Student)

Toronto student tenant insurance snapshot

Summit’s student tenant insurance is available in Toronto from $17/month for eligible students via participating institutional programs. Entry-tier policies include personal liability, personal property, and additional living expenses; final pricing depends on your selected limits, building type, and underwriting. Summit is an independent Canadian brokerage that shops multiple insurers and discloses how we’re compensated. See our transparency policy and our company overview on the Summit Cover Canada homepage.

What’s included at the entry price

The entry-level student tenant package includes these core protections. Exact limits, deductibles, and wordings will be shown on your quote and policy.

Coverage component Purpose Included at entry price
Personal liability Helps protect you if you are held legally liable for unintentional bodily injury or property damage to others Yes
Personal property Covers your belongings (e.g., clothing, furniture, electronics) against insured perils Yes
Additional living expenses Helps pay for temporary housing and increased costs if an insured loss makes your unit uninhabitable Yes

Related resources: learn about claims support on our Claim Services page.

Eligibility and who it’s for

  • Full-time or part-time post-secondary students living in Toronto or the GTA, including on- or off‑campus rentals.

  • Students signing a lease who need proof of tenant insurance for their landlord.

  • International students residing in Toronto who require local proof of coverage.

Note: Availability and pricing are subject to insurer underwriting and participating institutional partnerships in Ontario.

How pricing works in Toronto

Pricing starts from $17/month and varies based on:

  • Contents limit and deductible you choose

  • Building construction, security features, and postal code

  • Prior loss history and any optional add‑ons (e.g., scheduled items)

  • Insurer program terms available through our market comparisons

As a broker, Summit compares coverage and price across insurers to secure appropriate terms for your situation.

Get covered in three steps (≈5 minutes)

1) Tell us your address and confirm student status. 2) Select contents limit and deductible; review quote documents. 3) Bind online; receive your certificate of insurance (COI) for your landlord by email.

Need help now? Contact us via our contact page.

Frequently asked questions

  • Is $1M personal liability included?

  • $1M personal liability limits are commonly available and are often selected for student tenant policies. Availability and the exact limit on your policy will be confirmed in your quote; higher limits may be offered by some insurers. If your landlord requests a specific limit, tell your broker so we can match it where available.

  • Can I use this policy to satisfy my landlord’s tenant insurance requirement?

  • Yes. After binding, you’ll receive a COI you can provide to your landlord or property manager.

  • Are roommates covered under my policy?

  • Coverage is provided to the named insured(s) on the policy. Roommates typically need their own policy unless specifically added; confirm with your broker.

  • Are laptops and phones covered?

  • Electronics are part of personal property coverage, subject to limits, deductibles, and exclusions. High‑value items may need to be scheduled; confirm in your quote.

  • What about co‑op terms or travel with my belongings?

  • Policies can offer off‑premises coverage for your personal property, subject to policy conditions. Tell us if you’ll be away for work terms so we can confirm how your coverage applies.

  • How do claims work?

  • If something happens, contact Summit first. We coordinate with the insurer, assign an adjuster, and help move your claim forward.

  • Can non‑students purchase this?

  • This page focuses on student tenant insurance offered through participating programs. If you’re not a student, contact us to discuss options available from our insurer partners in Ontario.

Why Summit for Toronto students

  • Independent Canadian brokerage: we shop multiple insurers on your behalf

  • Transparent compensation and advice

  • Digital-first, responsive service with dedicated account management

  • Strong client satisfaction (as reported on our site’s reviews), and a people‑first approach outlined on our about us page

Related: business owners can explore business insurance in Toronto.

Where we serve

This offer targets students living in Toronto and across Ontario. Summit is a Canadian brokerage; services described on this page are not offered in Quebec.

Structured data (microdata)

Summit Commercial Solutions, Toronto, ON, CA. Telephone: +1-250-900-8749. Price range: $17+/mo. Area served: Ontario. Service: Tenant insurance for students. Price: 17 CAD. Availability: In stock.

Coverage is subject to the terms, conditions, and exclusions of the issued policy. Summit is a broker, not an insurance company; insurers determine final eligibility and pricing. This page summarizes features for Ontario students and does not modify coverage or provide legal advice.