Tenant insurance helps renters protect the things a landlord’s insurance doesn’t, like the cost to replace any furniture that’s damaged in an accident. The average cost of a tenant’s personal property claim is $6,716 (based on 2023-2024 national data).
Why choose Co-operators?
In just a few minutes, you can get a personalized quote for tenant insurance that fits your needs.
What does tenant insurance cover?
Protect yourself from unexpected costs while renting in Canada.
Personal items
Liability coverage
Relocation expenses
Property upgrades
- Water, septic or sewer backups
- Storm surges
- Waves from a storm or hurricane
- Flooding from any body of water
- Water from extreme weather
- Rising of the water table
- Add additional coverage for more valuable items, like rare books and collectibles, or a bike worth more than $2,000.
- Add coverage for any personal items in storage.

Need to make a claim?
Call us or submit a claim through Online Services and get one-on-one support from our dedicated claims team.
Find out how to submit a claim
All the items in your unit, including your partner’s items, will be covered, up to any limits on the policy. If your items together exceed that limit, your policy prioritizes your items.
We recommend increasing your coverage so that both your and your partner’s items can be covered. Your liability coverage would not be extended to your partner without adding them to your policy.
Ready to get a quote?
It only takes a few minutes to get your personalized quote for tenant insurance online.
You can also call 1‑877‑545‑2667 or find a financial representative.