Skip to content

Tenant insurance

Make sure your belongings have the protection they deserve with tenant insurance.

Find a broker

Combine and save up to 20%

As a renter, you want to make sure your belongings are protected. Replacing items like your bike, bed, or computer can cost a lot, especially if you need to replace everything you own at the same time. Relax with tenant insurance coverage from Aviva. You’ll get the insurance coverage you need for the things that matter most to you.

Choose the right tenant insurance coverage

Enjoy standard tenant coverage features and choose from optional types of tenant insurance coverage.

Available discounts

We’re committed to providing exceptional tenant insurance coverage at competitive rates. You can save even more with our discounts for:

Combining your home and auto insurance policies
Being claims-free

Standard coverage

Standard tenant insurance coverage offers great value and protection for:

Your belongings
Personal liability of at least $1 million
Living expenses if you need to move out of your home during a covered claim.

Optional tenant insurance coverages

Need enhanced renter’s insurance coverage? Customize your policy to meet your needs with these add-ons.

The availability of these tenant insurance policy add-ons varies by province. To learn more about these policy options contact your insurance representative.

Water Protection

Get additional protection for your unit with sewer back-up and overland water coverage.

ID Theft

Coverage includes enhanced credit card and debit card protection, legal fees and more.

Earthquake Insurance

Earthquake add-on coverage options to help you protect your personal belongings.

Claim Protector

Keep your claims-free discount after your first insurance claim.

Disappearing Deductible

Reduce your policy deductible every year you don’t make a claim.

Cyber insurance for your household

Defend against digital risks with a full range of services to protect you and your family from potential cyber vulnerabilities.

Combine and Save

Enjoy the added convenience of aligned renewal dates and receive your insurance policies in a single envelope when you combine your auto and tenant insurance policies. You’ll also enjoy extra insurance savings.

Learn more

The tenant insurance you need

With Aviva's tenant insurance, you'll get:

Combine and save

You’ll get a discount when you combine your auto and tenant insurance policies.

The opportunity to customize your tenant policy

You’ll enjoy the standard features of your tenant insurance policy and can choose from optional coverages tailored to your unique needs.

24/7 claim service to help you get back on track

You can make your insurance claim in whatever way suits you best including online, by phone or through your insurance representative.

Tenant insurance FAQ

Is tenant insurance mandatory in Canada?

Tenant insurance, also referred to as “renter’s insurance”, isn’t mandatory in Canada. However, it’s common for landlords to require you to have tenant insurance as part of the lease.

If you rent a living space from someone else, your landlord’s insurance policy typically covers the structural elements of the rental property and not your things. Tenant insurance can help protect what you own, cover your personal liability and more in case something happens.
How much does tenant insurance cost?
Insurance companies consider a variety of factors to calculate the cost of your tenant insurance, including:
- The coverage you need and the deductible(s) you choose
- Property location
- Value of your personal belongings (i.e., your laptop, entertainment system, clothes etc.)
- Age of your building
- Type of your building (i.e., low-rise, high-rise, house etc.)
- Construction material (i.e., brick, stucco, wood, etc.)
- Type of electrical and heating system
- Proximity to a fire hydrant or fire station
How can I save on my tenant insurance?
There are a few ways you could save on tenant insurance:
- Combine your tenant and car insurance
- Review your policy yearly to take advantage of available discounts
- Increase your deductible
- Maintain a claims-free record
There are various discounts available for tenant insurance policies that will be applied based on the information you provide.
What does tenant insurance cover?

Tenant insurance is designed to help protect your personal belongings from damage or loss and personal liability when you’re renting a property you don’t own. It may also cover additional living expenses, such as a hotel or other rented accommodations if you can’t live in your rental unit while it’s getting repaired due to a covered claim.

When choosing a tenant insurance policy, think about your level of risk and determine your specific coverage needs. Preparing a home inventory can also help ensure you have enough coverage for your things (such as clothes, furniture, electronics, computers etc.).

Beyond your property, personal belongings and liability, there may be many more coverage options based on the information you provide.

Read more about tenant insurance.
Why do I need tenant insurance?

Your landlord’s insurance policy is intended to cover the structural elements of the rental property and may include things like flooring and fixtures. It doesn’t protect your personal liability or the things you own such as your clothes, furniture, laptop, or entertainment systems. Buying tenant insurance helps cover this gap and more – giving you peace of mind.

Read more aboutwhy you need tenant insurance .
Can I add a roommate to my tenant insurance policy?

Insurance brokers, the right choice for you

Get expertise for your tenant insurance needs from coverage to claims support, and discounts.

Find a broker

The content on this page is for information purposes only. The insurance products described herein are subject to eligibility, terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more. Availability and pricing vary by province. Certain terms and conditions apply. Please contact your insurance representative for more information.

Make a claim or Call us or FAQ

Make a claim

There when you need us
1-866-MYAVIVA (1-866-692-8482)

Call us and a claims care advisor will ensure you receive fast, reliable and personal support. Or submit your claim online.

Submit your auto claim

Submit your property claim

Call us

For general inquiries call
1-800-387-4518

TTY:
1-800-855-0511

Monday to Friday: 8:00 am - 8:00 pm ET

FAQ

What is insurance?: Insurance is a safety net to protect you and your family’s financial well-being in the case of an unexpected loss. It is a legal arrangement that guarantees support in the event of a covered accident or incident.
Is the insurance industry regulated?: Yes, by provincial governments whose role it is to ensure fairness and quality in the industry.
How do I make a claim?: If you’re in a car accident or something happens to your home, claims experts will walk you through filing a claim. Call 1-866-692-8482 to begin.

Insurance. Just Smarter.

Aviva Direct gives you the protection you need, support when you want it and expediency all the way through.

Auto Insurance

Whether you need car insurance for one or more vehicles, our insurance representatives will help you find the coverage you need.

Postal Code

Insurance. Just Smarter.

Aviva Direct gives you the protection you need, support when you want it and expediency all the way through.

Home Insurance

Whether you own a house, condo, or rent, our insurance agents will help you find the right protection for the things that matter most to you.

Postal Code

Insurance. Just Smarter.

Aviva Direct gives you the protection you need, support when you want it and expediency all the way through.

Auto Insurance
Home Insurance

Whether you need car insurance for one or more vehicles, our insurance representatives will help you find the coverage you need.

Postal Code

Whether you own a house, condo, or rent, our insurance agents will help you find the right protection for the things that matter most to you.

Postal Code