Compare Tenant Insurance in Canada

See prices, coverage, ratings, and claim speed side-by-side. Make a confident choice in minutes.

Illustration of Canadian renters comparing tenant insurance providers in Canada by cost, coverage, ratings, and claim speed on a laptop

Disclaimer: This page is compiled with the help of research tools. Please verify critical details with official sources before you buy.

Last updated: August 1, 2025

Why Tenant Insurance Matters

If a fire, theft, or water damage affects your rental, tenant insurance can cover your belongings, protect you from liability, and pay for temporary living costs. It's peace of mind for a few dollars a month.

Need Help Deciding?

Not sure if tenant insurance is right for you? Our comprehensive guide walks you through everything you need to know to make an informed decision.

Compare Tenant Insurance in Canada: An Average Buyer's Perspective

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Apollo Cover
Best Value

Best value starting price

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$13/month
Lowest starting price
Rating:
4.7
Claim Speed:
24 hrs avg
Square One
Most Customizable

Most customizable

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$15/month
Customizable pricing
Rating:
4.8
Claim Speed:
2 hrs avg
Duuo Canada
Most Flexible

Best for short-term rentals

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$17/month
Month-to-month flexibility
Rating:
4.7
Claim Speed:
48 hrs avg
TD Insurance
Most Comprehensive

Best for comprehensive coverage

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Varies
10% off first term online
Rating:Not available
Claim Speed:
Not available
Sonnet Insurance
Best for Students

Best for students

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Quote required
Student discounts available
Rating:
4.2
Claim Speed:
72 hrs avg

Top Tenant Insurance Providers — Features Comparison

Apollo Cover

Best value starting price

4.7
$13/month

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)
Square One

Most customizable

4.8
$15/month

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
Duuo Canada

Best for short-term rentals

4.7
$17/month

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
TD Insurance

Best for comprehensive coverage

No rating available
Varies

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
Sonnet Insurance

Best for students

4.2
Quote required

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

How to compare policies
Key questions and what to look for
  • Jump to the Detailed Comparison to review features.
  • Use the table/card view toggle to compare providers side-by-side.
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Important Disclaimer

Prices and features can change. Always request a personalized quote for accurate pricing.

This comparison is informational and not financial advice.