Renters coverage
Renting? Your belongings still deserve protection.
Your landlord's insurance covers the building, not what's inside it. Tenant insurance protects your things, your liability, and your peace of mind.
Why it matters
Why is tenant insurance important?
Renting doesn't mean going without protection. A small policy covers the things that would be expensive and stressful to replace out of pocket.
Your landlord's building insurance protects the structure, not your personal belongings inside your unit.
If you're found responsible for accidentally damaging someone else's property or causing injury, liability coverage can help protect you financially.
If a covered event makes your rental temporarily unlivable, this coverage can help with additional living expenses like temporary accommodations.
Your keys, your coverage
From the day you pick up the keys, your policy travels with your stuff — at home, on campus, and on the road.
How to buy
It's easy to get covered
Three short steps between you and a policy that actually fits your rental.
Tell us about your rental
Unit type and roughly what your belongings are worth — that's the starting point.
Customize your coverage
Choose your liability limit and any add-ons that match how you actually live.
Confirm and you're covered
Bind online and your documents are ready before you finish unpacking.
Save on coverage
Ways to save on tenant insurance
Simple choices that may lower what you pay without cutting the protection you need.
Bundle and save
Combine tenant insurance with an auto policy and you may be eligible for a discount.
EverNorth Rewards
Loyal customers may be eligible for additional savings over time.
What's inside matters
The walls aren't yours, but everything inside them is. Tenant insurance makes sure a bad day doesn't turn into a wiped-out savings account.
What's covered
What does tenant insurance cover?
A standard EverNorth tenant policy can include:
Personal Property
Covers your belongings like furniture, electronics, and clothing against risks like theft, fire, and water damage, up to your policy's limits.
Personal Liability
Helps cover costs if you're found responsible for injuring someone or damaging their property.
Additional Living Expenses
Helps cover temporary accommodation costs if your rental becomes unlivable due to a covered event.
Guest Medical Payments
Can help cover medical costs if a guest is accidentally injured in your rental unit.
Make it yours
Optional coverages
Add any of these to your policy when you get your quote.
Tenant discounts
Explore tenant insurance discounts
Check out the savings you may qualify for. Eligibility varies by province and territory.
Claims-Free
If you've never made a claim or haven't made one in a while, you may qualify for savings.
Combined Policy
Bundle your tenant insurance with an auto policy and you may save.
Monitored Alarm
Units with a centrally monitored fire and burglary alarm system may qualify for savings.
Buy Online
Purchasing your tenant insurance online with EverNorth may qualify you for a discount.
Good questions
Tenant insurance FAQs
The answers renters ask us most.
Rent smarter. Protect what matters.
Answer a few questions about your rental and get a tenant insurance estimate in about three minutes.