You’ve asked for quotes, compared them, and purchased a renter’s insurance policy at the best price. You’re all set, right? Not quite. There’s one more step you might need to take: providing proof of insurance to your landlord.
But what exactly does that mean, and what does proof of renters insurance look like? Can a landlord really ask for confirmation or a copy of your policy? Keep reading to get the answers to these questions and more.
What is proof of renters insurance?
Proof of renters insurance is a document from your insurance provider that verifies you have an active policy. As the name suggests, it serves as proof that you have purchased coverage. In Canada, it is normal for landlords and property management companies to require this before you move in or renew a lease.
Typically, proof of renters insurance will include:
- Your full name
- Your address (including suite number, if applicable)
- Name of the insurer
- Policy effective date
- Policy expiry date
- Policy type
- Types of coverages and limits
Providers will often send temporary proof of insurance after purchasing a policy while the official documents are being processed, which can take a few business days. While many landlords will accept this temporary proof, if your move-in depends on providing this documentation, it’s always a good idea to buy tenant insurance a few days in advance of when you need it.
What counts as proof of renters insurance?
Unlike car insurance, which universally recognizes a pink slip as proof of insurance across Canada, proof of renters insurance is less definitive. What one landlord or property management company accepts as proof may differ from the next.
However, in most cases, the following documents will count as proof of renters insurance:
- Your policy’s summary page (typically the first page of your policy documents)
- A certificate of insurance (COI)
- A letter from your insurance provider
Whether a digital copy, a screenshot, or a printed document will meet the requirements can vary, so ask your landlord what they consider acceptable proof to avoid any issues.
How to get proof of renters insurance
The fastest and easiest way to get proof of renters insurance is by logging into your account on your insurance provider’s website or mobile app, if available. Look for your tenant insurance policy or a section labelled “Documents” – this is typically where you’ll find what you need.
Once located, save a digital copy or print it out. If you’re using your policy’s summary page as proof, you may not necessarily need to include the entire document, especially if it’s not explicitly required in your lease agreement. As Michael Thiele, an Ottawa lawyer who practices landlord and tenant law, explains:
“The first page of a policy or a letter from the insurer should suffice. Do you really want to advertise to your landlord that you have a floater for a $50,000 diamond ring or your grandma’s fur coat? You don’t necessarily want to advertise that to a superintendent who’s got keys to your unit.”
Providing only the necessary information helps maintain your privacy while still meeting your landlord’s requirements.
Can your landlord ask for proof of insurance?
Yes, a landlord can require proof of renters insurance if it’s stated as a condition in your lease agreement. By signing the lease, you are contractually obligated to meet the terms outlined, including providing proof of coverage if requested.
Typically, landlords will ask you to provide proof of renters insurance before or shortly after moving in, and sometimes again, at the time of your lease renewal.
According to Tribunals Ontario, which the Landlord and Tenant Board (LTB) falls under, “Tenants can be required to provide proof of insurance if the landlord and tenant agreed to it in the tenancy agreement. Whether the entire policy is required or if other options are available will depend on what the parties have agreed to in their tenancy agreement.”
The same applies to renters in Quebec. However, landlords in Quebec cannot add a clause during the term of the lease, as doing so would be considered unfair under the Civil Code of Québec. What they can do, under certain conditions, is introduce the clause at the time of your lease renewal.