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Renters, protect what you own in only minutes

Save 10% on tenant insurance when you buy online.1

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What tenant insurance covers

  • Protect what you own

    Whether you rent an apartment, house or condo unit, your belongings need insurance to help protect them from the unexpected.

  • Personal liability coverage

    Be protected against financial loss in case you cause unintentional bodily injury or property damage to other people inside or outside your home and are held responsible.

  • Coverage for damaged items

    This coverage would pay for the costs to replace or repair your belongings damaged in a covered circumstance.

  • Additional living expenses

    Handle temporary living expenses if the home you rent becomes unlivable due to covered damage.

Get comprehensive coverage for less

  • Buy online and save

    Quoting and buying online may help secure lower rates.

  • Save when you bundle

    Lower costs when you combine your tenant and car insurance.

  • Get lower insurance premiums

    Lower your premium by customizing your coverage to match what you need. You can also adjust options like your deductible to help manage your overall cost.

  • Lock in preferred rates

    As a member of an eligible college or university alumni, employer or professional association, you or your spouse could get preferred rates.

All Risks coverage

If you are a renter who has All Risks coverage and your belongings are damaged from fire, theft or water, you will be covered. In fact, with All Risks coverage your stuff is financially protected against almost everything—with the exception of the exclusions listed in your policy, such as illegal activity or wear and tear.

Tenant insurance coverage

Standard coverage

  • Contents Insurance
    Protect the things you love by insuring your belongings up to their full replacement value. High-value items are subject to limits.
  • Additional Living Expenses
    We'll cover temporary additional living expenses—like hotel and food—if required repairs from a covered loss make your rental unlivable.
  • Personal Liability
    You’re financially protected if you cause unintentional bodily injury or property damage to other people inside or outside your home and are held responsible.

Optional coverage

  • Enhanced Home Coverage
    Get increased coverage limits on high-value items like fine art, coverage for family in nursing homes and against cyberbullying.
  • Claim Forgiveness
    Manage costs with Claim Forgiveness, which keeps your premium from increasing at renewal after you submit your first claim.2
  • Identity Theft Recovery
    Protect yourself and your family from identity theft with reimbursement for costs related to restoring your identity.

What factors impact your insurance premium?

While premiums will differ for each customer, based on your individual factors, the average cost of tenant insurance with TD Insurance is $483 a year.3

  • Where you live

    Your cost can vary depending on whether you're renting in a small town or large urban centre.

     

  • Chosen deductible

    A higher deductible could mean a lower premium. Take control of costs by choosing the right combination for you.

  • Claims history

    The number of claims you’ve made will have an effect on your insurance cost.

It's easy to buy tenant insurance online

  1. Start a quote

    Answer a few questions, get a customized quote and see discounts. We keep your info completely confidential.

  2. Customize your coverage

    Adjust deductibles and coverage limits to arrive at coverage best suited to your individual needs.

  3. Make the purchase

    Review your choices. Once you’re happy with your selections, select a payment method and receive your summary.

We're always here to help

Convenient online services:

   Features that save you time on the phone

   Access documents and make payments

   Review and manage tenant and auto coverage

   Make payments and manage billing

   Change vehicles, drivers, coverage and more

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Home insurance services at your fingertips

    Billing and payments

    View and manage your policies

    Start and track a claim

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    File your claim right from your phone

    Find a TD Insurance Auto Centre near you

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Find answers to your tenant insurance questions

Frequently Asked Questions

Tenant insurance covers the things you own against common threats like fire, theft, water damage and more. It offers protection if you accidentally damage someone else's property or if you injure someone unintentionally. It also protects the things you bring with you on vacation, like if you lose your phone.

TD Insurance tenant insurance covers your belongings against almost everything except illegal activity or normal wear and tear. It also provides expenses if your home becomes unlivable because of a covered loss or someone is injured in your home.

Our optional Enhanced Home Coverage offers increased coverage for things like fine art, wine and spirits, jewellery and more. If you need coverage above the limits offered by Enhanced Home Coverage, a specialty item (Personal Values Coverage) floater offers coverage above these limits, either via a blanket coverage (e.g. jewellery, wine and spirits, works of art, bicycle) or any individually insured item.

Yes. The cost of tenant insurance varies according to factors such as the deductible you choose, whether you live in a city or small town, and the history of claims you have made.

Yes. Contents insurance is part of the standard coverage of tenant insurance, so most of your belongings (except very expensive items like fine art) will be covered up to the amount you choose.

If you're a tenant whose whole rental home is damaged due to a covered loss, the standard coverage of tenant insurance will cover the reasonable cost of temporary living expenses like hotels and food while the building owner is making necessary repairs to your home.

Yes. An optional added coverage to tenant insurance will help you cover expenses associated with identity theft and work with you to restore your identity.

All Risks coverage, which is included in standard tenant insurance, provides broad protection for your personal belongings, including fire, theft, water damage and more. There are some exclusions, including illegal activity or normal wear and tear.

Get a quick, secure quote

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence. Please speak to an Advisor or consult your policy wordings for further details.

1 In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

10% Home Insurance Savings (not available in Quebec)

A 10% Buy Online Discount in the first policy term will be available to customers for completing the home, condo or tenant Insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

5% Savings on Home Insurance (Quebec)

A Buy Online Discount of 5% in the first policy term will be available to customers for completing the Home, Condo or Tenant insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

2 Your premiums may still increase at renewal time for reasons unrelated to your claim, such as changes made to the policy.

‡Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on April 25, 2025 (underwritten by Security National Insurance Company) was

  • $1,870 when purchasing both homeowner and car insurance
  • $1,350 when purchasing both condo and car insurance
  • $1,300 when purchasing both tenant and car insurance

when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.

3 As of July 25th, 2025, new customers in Ontario who belong to a professional or alumni association that have an agreement with us who insured a rental with our Home Coverage – tenant base policy paid an average annual premium of $364 based upon: $30,0000 Personal Property (Contents) Coverage, $1,000 deductible, $15,000 Additional Living Expenses and $1,000,000 Third Party Liability.

As of July 25th, 2025, new customers in Alberta, British Columbia, Saskatchewan, Manitoba, Nunavut, Northwest Territories and Yukon who belong to a professional or alumni association that have an agreement with us who insured a rental with our Home Coverage – tenant base policy paid an average annual premium of $483 based upon: $30,0000 Personal Property (Contents) Coverage, $1,000 deductible, $15,000 Additional Living Expenses and $1,000,000 Third Party Liability.

As of July 25th, 2025, new customers in Quebec who belong to a professional or alumni association that have an agreement with us who insured a rental with our Home Coverage – tenant base policy paid an average annual premium of $467 based upon: $30,0000 Personal Property (Contents) Coverage, $1,000 deductible, $15,000 Additional Living Expenses and $1,000,000 Third Party Liability.

As of July 25th, 2025, new customers in the Nova Scotia, New Brunswick, Newfoundland and Labrador and Prince Edward Island who belong to a professional or alumni association that have an agreement with us who insured a rental with our Home Coverage – tenant base policy paid an average annual premium of $315 based upon: $30,0000 Personal Property (Contents) Coverage, $1,000 deductible, $15,000 Additional Living Expenses and $1,000,000 Third Party Liability.

Premiums are not guaranteed and will vary based on the client's profile and province or territory of residence.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

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