Get Competitive Tenant Insurance Quotes from Our Trusted Insurance Partners

Whether you're moving into your first apartment or upgrading to a new rental home, tenant insurance is a must-have. It protects your belongings, personal liability, and even your additional living expenses in case of an insured event. At Vanguard, we make getting coverage simple and affordable.

What We Cover:

Personal Property Coverage: Covers your belongings like electronics, clothing, furniture, and valuables against loss or damage from fire, theft, or other insured events.

Additional Living Expenses Coverage: Pays for temporary housing and necessary expenses like rent and meals if your unit becomes uninhabitable due to a covered loss.

Personal Liability Coverage: Protects you if you're held legally responsible for injury to others or damage to their property—whether inside your rental or elsewhere.

Why You Need Tenant Insurance: Tenant insurance also known as renters insurance is designed for individuals renting a condo, apartment, house, or shared space. Many landlords require proof of tenant insurance before signing a lease, and even when it’s optional, the low cost and high value make it a smart decision.

Coverage Highlights:

- Up to $100,000 for personal property

- Up to $30,000 for additional living expenses

- Up to $2 million in personal liability protection

- Starting at just $17/monthOptional limits for valuables like jewelry, computers, and pets

Types of Rental Housing Covered:

- Apartments: Basement suites, walk-ups, and high-rise units with shared amenities

- Houses: Townhouses, duplexes, and detached homes often shared or leased by families or roommates

- Rooming Houses: Typically short- or long-term rentals for students or individuals in shared accommodations

Rental Market Insights:

- Average rent in Toronto: $2,800/month

- Windsor: $1,350/month

- Belleville: $1,450/month

- Peterborough: $1,300/month

- National average in Ontario: $1,109/month (utilities included)

Why Choose Vanguard:

Fast, secure online quote and policy bindingInstant access to your insurance documentsCustom coverage for single tenants, families, or roommates

Don’t leave your home and belongings unprotected. With flexible coverage that adapts to your lifestyle, Vanguard’s tenant insurance helps you feel secure—wherever you live.