Get a personalized tenant insurance quote in less than 4 minutes

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Compare tenant insurance quotes from multiple insurers in less than four minutes with YouSet. Our automated platform screens the market for affordable rental insurance policies that match your needs, saving you time and money. Request your personal tenant insurance quote today and learn how you can protect your rental with a fully customizable insurance policy.
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Why choose YouSet?

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YouSet’s online platform saves you time and money when shopping for tenant insurance policies, helping you compare prices in less than four minutes. In fact, we have saved customers an average of 29% on their home and car insurance premiums. Combining data, human expertise, and modern technology, YouSet immediately connects you with multiple insurers and affordable tenant insurance policies.

With YouSet, you can compare tenant insurance quotes from various companies in less than four minutes. Our platform eliminates the hassle of manually comparing tenant insurance quotes from different insurers, screening the market for all potential premiums.

YouSet is here to help you every step of the way, offering personalized support via SMS, or email. Our platform is completely free-to-use, ensuring you find the best tenant insurance quote for all your needs. Learn more about how to get started with YouSet and find a tenant insurance policy that works for you today!
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What is the process of getting tenant insurance with YouSet?

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Comparing tenant insurance quotes from multiple insurers can be complicated – but it doesn’t have to be. With YouSet, you can compare tenant insurance quotes from various insurers and find an insurance policy that works for you in less than four minutes

Finding a tenant insurance policy has never been easier thanks to YouSet’s online platform. Begin by answering a few questions about your insurance needs and we will immediately pair you with a variety of tenant insurance policies. The last step is personalizing your tenant insurance premium with any coverages you might want.

When your rental insurance policy has been customized, you can purchase it directly from YouSet’s online platform. YouSet understands that shopping for tenant insurance can be confusing, but is here to help with personalized support via chat, SMS, or email!

What does tenant insurance cover?

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Tenant insurance protects you in any situation, ensuring your personal belongings and the things you value most are insured against the unexpected. Whether it is a fire or you are a victim of theft, tenant insurance policies have you covered.

Common tenant insurance coverages include but are not limited to liability insurance, personal belongings insurance, water damage, living expenses, fire coverage, and more.

While most tenant insurance policies include similar coverages, they can be customized to meet your unique rental insurance needs. Be sure to familiarize yourself with your tenant insurance policy before signing off on it! With YouSet by your side, however, finding a rental insurance policy that works for you is as seamless and transparent as ever.
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Standard tenant’s iInsurance coverages

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Liability insurance, content’s insurance (commonly known as personal belongings coverage), and additional living cost are all examples of standard tenant’s insurance coverage found in your policy. Learn more about standard tenant’s insurance coverages.

Liability Insurance

Liability insurance protects you and your loved ones against potential lawsuits, if someone gets hurt while visiting or for any personal injury or property damage you may unintentionally cause. Civil liability insurance offers renters some much-needed peace of mind and is mandatory in tenant insurance policies.

Personal Belongings

Personal belongings insurance, also known as contents insurance, is an essential part of a tenant's insurance policies, protecting your personal property, including furniture, electronics, clothing, and more.

With this coverage, your personal belongings are insured no matter where they are, be it in your home or temporarily out of it. Personal belongings coverage ultimately protects the things you love the most against the unexpected.

Additional living cost

Additional living cost coverage applies when you can’t live in your rental, covering you if you need to temporarily relocate. This particular coverage can help cover hotel expenses, short-term rentals, or simply pay for everyday living expenses to cover food, clothing, and more.

Additional living cost coverage protects your rental in the event of any insured loss, including water damage, fire, and more and is typically recommended in tenant insurance policies.

Optional tenant’s insurance coverages

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You can further customize your tenant’s insurance policy with optional coverages, including identity theft, sewer backup, overland water, and above ground water coverage. Learn more about optional tenant’s insurance coverages.
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Identity Theft
Identity theft coverage ensures you and anyone on your policy is protected in the event your identity is stolen. Identity theft is becoming increasingly common in Canada , and represents a lengthy process, taking up to six months on average to reclaim an identity.

Identity theft coverage is designed to reimburse any legal fees and expenses you pay for replacing legal documents.
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Sewer Backup
Sewer backup coverage protects you in the event water backs into your home from a sewer, septic tank, floor drain, or sump. This coverage only covers damages to personal belongings and for relocating fees for a tenant policy.
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Overland Water
As water damage is the leading cause of property damage in Canada, adding overland water protection to your tenant insurance policy is a good idea. Overland water protection covers damage inflicted from fresh water, including excessive rain, melting snow, and more.

Much like sewer backup coverage, this coverage also applies to any personal belongings that are damaged by overland water.
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Above ground water
Above ground water coverage, put simply, protects you in the event that water enters your home from above ground. It covers any water infiltration coming in through the roof, walls, windows and doors. This coverage is important in tenant insurance policies given the proximity of rental units to one another.

Note: Your personal belongings are protected with above ground water coverage.

Customer reviews

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Don't just take our word for it...We’re rated 4.9 of 5 on Google and Facebook from over thousands reviews.
G P
G P
2022-10-05
Fast team, they answered quickly to my change of address and within a day it was done. Good deals and fast answers. Thanks
Dom Lop
Dom Lop
2022-09-30
Super assurance
Serge Lepine
Serge Lepine
2022-09-29
Super facile et rapide
Mathieu Gratton Legault
Mathieu Gratton Legault
2022-09-26
service A1 ils ont sue me soutenir tout au long du processus de L'admission à mon assurance automobile 🙂 Recommandé fortement
Pierre Andreski
Pierre Andreski
2022-09-23
Prix ultra compétitifs et service client super réactif, rien à dire !
Yasmine HEC
Yasmine HEC
2022-09-23
Excellente expérience utilisateur!
Annie Trudel
Annie Trudel
2022-09-21
Très simple, rapide et efficace! C'est avec eux que j'ai obtenu le meilleur prix, parmis toutes les demandes de soumissions que j'ai faite! Le language est clair et vulgarisé, ce que j'ai beaucoup aimé!
Google rating score: 4.9 of 5, based on 606 reviews

Why do I need tenant’s insurance?

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While not mandatory by law, tenant insurance policies protect the things you love the most against the unexpected. Your landlord’s insurance policy will ultimately not cover your personal belongings, whether they are damaged in a fire, or by water.

A tenant insurance policy helps you replace or repair personal belongings that have been damaged by vandalism, water, fire, and even theft. Beyond your personal belongings, a tenant’s insurance policy protects you against civil liability in the event someone gets injured while visiting your rental.
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Tenant insurance FAQs

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We hope we answered all your questions about tenant insurance, but if you’re still looking for more information, our frequently asked rental insurance questions are here to help. From what tenant insurance covers, to how it is calculated, and more, YouSet has the answers.

How much is rental insurance?

The average rental insurance quote is ultimately dictated by a number of factors. Simply put, the more coverage you have, the pricier your tenant insurance policy will be. Past history claims and the location of your rental are other factors that are considered when determining your rental insurance price. 

What is included in my tenant insurance policy?

Tenant insurance policies are designed to protect you and your loved ones in the event of damage to your rental unit and personal property by an insured event, including water damage, fire, theft, and more. 
Common tenant insurance policy coverages include but are not limited to, civil liability insurance, personal belongings and identity theft insurance, as well as extra expenses. Optional coverages can also be added into your policy such as sewer backup, overland water, and above ground water protection. 

Is rental insurance mandatory?

Rental insurance is not mandatory in Canada, however, it can be made mandatory by the owner of your apartment. Beyond insuring your personal property from potential damage, tenant insurance policies also include civil liability insurance, protecting you from lawsuits in the event a visitor gets injured in your home. 
Some landlords might require a proof of insurance as a condition on the lease.

Does rental insurance cover water damage?

Yes, rental insurance policies can be customized to cover water damage and typically offer three types of protections: Sewer backup, overland water, and above ground water coverage. Simply put, having these three coverages ensures your rental unit and personal belongings are completely insured from water damage. Whether a pipe bursts, or you forgot a window open on a rainy day, your rental unit is protected. 

Does renters insurance cover storage units?

Yes, by adding personal belongings insurance coverage to your tenant insurance policy, your property, whether it is in your rental unit or storage unit, is protected. This coverage includes water damage, fire, theft, and vandalism, ensuring the things you loved most are safe – wherever they may be. Storage units at the same address are automatically covered. Storage units located at another address MIGHT be covered.
Please contact a broker if you have contents in a storage unit at a separate address to see if you are covered or eligible to add coverage for these items.

How is rental insurance calculated?

Rental insurance is calculated based on a number of factors that can impact the final price of your tenant insurance premium. These factors include, how much coverage you need, the property type, the location of your rental unit and your claims history. YouSet’s online platform helps you customize your tenant insurance policy, finding you the most affordable tenant insurance quote on the market. 

Can I add other people to my rental insurance policy?

Yes, your spouse, or common-law partner as well as your children are automatically covered by your tenant insurance policy. Otherwise, anyone else who is living with you and is on the lease can be added to your policy! 

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