Compare Tenant Insurance in Canada: An Average Buyer's Perspective
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| Provider | Apollo Cover Best ValueBest value starting price | Square One Most CustomizableMost customizable | Duuo Canada Most FlexibleBest for short-term rentals | TD Insurance Most ComprehensiveBest for comprehensive coverage | Sonnet Insurance Best for StudentsBest for students |
|---|---|---|---|---|---|
Starting Price | $13/month Lowest starting price | $15/month Customizable pricing | $17/month Month-to-month flexibility | Varies 10% off first term online | Quote required Student discounts available |
Online Ratings | Not available | ||||
Claim Support Speed | 24 hrs avg | 2 hrs avg | 48 hrs avg | Not available | 72 hrs avg |
Search Volume | 20K/month | 33K/month | 7K/month | 5.4K/month | 2K/month |
Reddit Discussions | See thread | See thread | See thread | See thread | See thread |
Expert Recommendations | Recommended by Money.ca for lowest starting price and strong financial ratings. | Highlighted by Money.ca for its customizable policies and competitive pricing. | Not available | Often included in top lists for its comprehensive coverage options and established presence. | Recognized for its online-first approach and student discounts. |
Best value starting price
Most customizable
Best for short-term rentals
Best for comprehensive coverage
Best for students
Top Tenant Insurance Providers — Features Comparison
Best value starting price
Lowest starting price
Budget-conscious renters seeking reliable coverage
Claims Support
24/7 with third-party adjusters
Top Features
- Best Price Guarantee (beat by 15%)
- Top financial ratings (A by AM BEST, A+ by S&P, AA- by Fitch)
Most customizable
Customizable pricing
Renters who want complete control over their coverage
Claims Support
24/7 emergency line (2hr response)
Top Features
- Canada's first fully customizable tenant insurance policy
- Choose your own limits, coverages, and deductible
Best for short-term rentals
Month-to-month flexibility
Temporary renters or those who value flexibility
Claims Support
Claims Bot + human support
Top Features
- No annual commitments - true month-to-month flexibility
- No cancellation fees whatsoever
Best for comprehensive coverage
10% off first term online
Renters with valuable items or complex needs
Claims Support
24/7 support
Top Features
- Enhanced Home Coverage for specialized items
- Claim Forgiveness - premium won't increase after first claim
Best for students
Student discounts available
Students and recent graduates
Claims Support
24/7 emergency claims (600 team)
Top Features
- Special discounts for university/college graduates
- Net-zero emissions commitment by 2040
Helpful Resources
- Jump to the Detailed Comparison to review features.
- Use the table/card view toggle to compare providers side-by-side.
Important Disclaimer
Prices and features can change. Always request a personalized quote for accurate pricing.
This comparison is informational and not financial advice.