Are you a renter looking for tenant insurance? Do you prefer buying online and appreciate generally positive customer reviews? If so, you might be considering APOLLO tenant insurance.
But before you decide based solely on price or convenience, it’s always smart to look at the full picture. Like any insurance provider, APOLLO has strengths and potential limitations to consider. What might be a dealbreaker for you may not be for someone else.
By taking the time to weigh these factors and do your own research, you’ll be better equipped to decide if APOLLO truly meets your needs or if another provider might be a better fit.
| Pros | Cons |
| Backed by Intact | Restricted to Belair products and pricing |
| Basic product offering | Need to call to cancel |
| 24/7 emergency claim hotline | Poor online reviews |
| Referral program | Bundling savings potentially limited |
✅ Online checkout
With APOLLO, you can get a tenant insurance quote and check out online. This can make the process faster and more convenient for those who prefer a fully digital experience.
❌ Limited offering
As of July 2025, APOLLO does not offer car insurance, provides homeowners insurance through an external partner, Gallagher, and pet insurance through another partner, PetSecure. If you prefer to buy all your personal insurance policies from one provider, this setup may not be ideal, as you may find yourself redirected to companies besides APOLLO for quotes, claims, and service.
✅ Positive customer reviews
APOLLO has a 4.4 out of 5 rating on Trustpilot, which is relatively high compared to many other insurance providers in the industry. This suggests that most customers have had a positive experience.
❌ Limited availability
As of July 2025, APOLLO tenant insurance is available only to residents of Ontario, Nova Scotia, British Columbia, Alberta, and Saskatchewan. While this may change in the future, residents of other provinces cannot currently purchase coverage, and customers who move between provinces may encounter difficulties maintaining their policy without interruption.
✅ Specialized student tenant insurance
APOLLO tenant insurance for students is designed in partnership with schools and residence administrators for full-time university and college students. They even allow students to select their exact school and residence. This may be helpful for those who’ve never purchased tenant insurance before and want a simple way to get the insurance they’re required to have.
❌ No bundling discount
One of the best ways to save money on tenant and car insurance is to bundle your policies. But until APOLLO offers car insurance, it won’t be possible to bundle these policies or receive a bundling discount.
✅ Offers business insurance
APOLLO partners with Gallagher to offer business insurance for a range of professions, including personal trainers, yoga instructors, barbers, hot dog cart vendors, beauticians, and more. Coverage options include professional liability, general liability, and contents insurance.
❌ Coverage may include external partners
While APOLLO is a Canadian platform, some of its policies may be backed by reinsurers since the company is a Lloyd’s of London coverholder. This may add complexity to how coverage is structured and how claims are handled, so be sure to read the fine print and understand who is actually behind your policy—and what that means for you.
APOLLO Insurance vs. YouSet Tenant Insurance
While getting a tenant insurance quote from APOLLO Insurance is a good starting point, the only way to know for sure if it’s the best possible price out there is to compare it with quotes from other providers, like YouSet.
Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering.
Best price year-after-year
YouSet’s algorithms are designed to do one thing - find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.
Transparent renewals
Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.
Mix-and-match approach to bundling
YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.
Buy, manage, and renew your policy online
How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.
Highly reviewed by Canadians
With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.
