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Tenant insurance
We’ll help you get the right tenant insurance that fits your needs and budget.
Rent an apartment, a house or a condo? We’ll help you get coverage for your belongings and provide personal liability protection, at a price that fits your budget.
Get a quote
Why is tenant insurance important?
Why is tenant insurance important?
Tenant insurance can help replace damaged or stolen items in the unexpected event of fire, theft or vandalism at your rented property.
It can also provide financial protection up to the coverage amount you’ve chosen if you cause unintentional bodily injury to someone or accidentally damage their property and are sued.
Tenant insurance is often mandatory in standard rental or lease agreements.
Buy your tenant insurance in 3 easy steps.
1
Answer questions about your occupancy type and personal belongings. Then provide some personal details to get an accurate quote.
2
Customize your coverage if needed.
3
Confirm your details and finalize your purchase.
Save on coverage,
and earn PC Optimum™ points.
Save up to 35%†.
PC Optimum™ members can save when they bundle their home and auto insurance and are eligible for other available discounts. Only need coverage for one? You can still save!
Learn more
Earn 2x the regular points.
You can earn 2x the regular PC Optimum™ points for every dollar spent when you pay your premiums annually with your PC® Mastercard®* or PC Money™ Account*.
What does tenant insurance cover?
Tenant insurance can help pay for loss or damage to your personal belongings up to the coverage amounts listed in your policy.
Additional Living Expenses
If you have to move out of your rental unit for it to be repaired due to a covered claim, your additional living expenses such as a hotel, meals, and moving expenses may be paid for up to the coverage amounts in your policy.
Fire Damage
In the event of a fire, your policy could cover the cost of replacing damaged contents.
Stolen Goods
In addition to covering the cost of goods stolen from your rental unit, your policy could also cover items stolen from your car.
How much does tenant insurance cost?
How much does tenant insurance cost?
Several factors are taken into account when determining the cost of your tenant insurance, including:
Amount and type of personal contents
Location of rental unit
Building type
How can I lower my tenant insurance cost?
Check out these ways to save on your tenant insurance premiums.
Affinity
PC Optimum™ members may be eligible for a discount.
Claims-Free
If you’ve never made a claim or haven’t made one in a while, you may qualify for savings.
Combined Policy
You can save when you buy both your tenant and auto insurance from PC® Insurance.
Property Buy Online
Save when you buy your home, condo, or tenant insurance online with PC® Insurance.
FAQs
When you rent or lease a property, tenant insurance can help cover the loss or damage of your personal belongings due to an unexpected event like fire or theft and vandalism.
It may also provide personal liability protection up to the coverage amount you’ve chosen if you’re found responsible for causing unintentional bodily injury to someone or accidentally damaging somebody’s property and are sued.
Check out these ways to save on your tenant insurance premiums:
Affinity Discount for PC Optimum™ Members
PC Optimum™ members may be eligible for a discount†. Not a member? Sign up here.
Bundle Your Insurance
Customers with more than one policy may receive a discount. If you have an eligible vehicle, add it to your PC® Tenant Insurance for savings.
Claims-Free Discount
If you’ve never made a claim or haven’t had one in a while, you may qualify for a discount.
Buy Online Discount
In Ontario, you could save when you buy your tenant insurance online with PC® Insurance.
Please note discount options, eligibility criteria, and availability vary by province and territory and are subject to change.
Yes! You can earn 2x the regular PC Optimum™ points for every dollar spent when paying your insurance premium annually with your President's Choice® Financial Mastercard®*. You can also earn 2x the regular PC Optimum™ points for every dollar spent when you pay your insurance premium annually with your PC Money™ Account*.
Looking for other insurance?
Legal details
Important Information on Products, Discounts, and Services by PC Financial Insurance Agency Inc.
Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy. This page provides, for information purposes only, a summary of our different insurance products and discounts that may be available to you. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply. Savings are not guaranteed and vary based on your profile and place of residence. Rates, discounts, and eligibility rules are subject to change without notice. Please speak to a PC® Insurance agent to learn more.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar and all purchases with the PC Money™ Account earn a minimum of 5 PC Optimum™ points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® card, earn double the regular PC Optimum™ points per dollar (20 points per dollar for PC Financial® Mastercard® and 10 points per dollar for PC Money™ Account). PC Optimum™ points are awarded exclusively by President’s Choice Services Inc. This is not an offer provided by any other entity. PC Money™ Account points offer is available only with Aviva General Insurance Company policies entered into after January 20, 2025. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
ꝉSave up to 35% on PC® Home and Auto Insurance
PC Optimum™ members could save up to 35% on their homeowner’s, condominium, or tenant insurance policy if they are eligible for the following discounts: Claims Free Discount, Combined Policy Discount by purchasing your home and auto insurance together, and Affinity Discount for PC Optimum™ members . In British Columbia, these discounts are not applicable as savings have already been factored into the premium rating calculation or the discounts do not apply. PC Optimum™ members may also save up to 35% on their car insurance policies if they are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount by purchasing your auto and home insurance together, and Affinity Discount for PC Optimum™ members. Customers may be eligible for other discounts on their car or home insurance such as the Electric Vehicle Discount, Hybrid Vehicle Discount, Winter Tire Discount, Mortgage Free Discount and Multi Product Discount. Total available discounts are in comparison to the base premium you would have paid if you were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. For further information, see More Information section below.
Affinity Discount for PC Optimum™ Members
PC Optimum™ members in good standing could benefit from an Affinity Discount on their homeowner’s, condominium, and tenant insurance in the following provinces: Alberta, Ontario, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador. Additionally, an Affinity Discount could apply on car insurance for PC Optimum™ Members in the following provinces: Alberta, Ontario, and Nova Scotia.
Save up to 25% on PC® Motorcycle Insurance
You could save up to 25% on your motorcycle insurance when combining the following discounts: Loyalty, Conviction Free, Motorcycle and Car, Motorcycle and Property, and Multi-Motorcycle. Discounts may not apply to all coverages and endorsements. Due to provincial legislation, PC® Insurance motorcycle products are not offered in British Columbia, Manitoba, and Saskatchewan. Savings are not guaranteed and vary based on your profile and place of residence. Rates, discounts, and eligibility rules are subject to change without notice. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply.
More Information Section
British Columbia
In British Columbia, savings for being claims-free have already been factored into the premium rating calculations for homeowner’s, condominium, and tenant insurance policies.
Alberta
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Saskatchewan
You can save up 15% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount.
Manitoba
You can save up 15% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount.
Ontario
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 25% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
New Brunswick
You can save up to 35% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Nova Scotia
You can save up to 40% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Prince Edward Island
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Newfoundland and Labrador
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 35% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Northwest Territories, Yukon, and Nunavut
You can save up to 10% on car insurance if you are eligible for the Combined Policy Discount. You could also save up to 30% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount and Combined Policy Discount.