Rental Property Insurance

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Protect your investment with ease today with Rental Property Insurance.

Don’t leave your rental property vulnerable to damage or loss. Our rented dwelling insurance policies cover everything from fire and theft to weather-related disasters and more.

Click on one of the below topics to unpack your property insurance:


Dwelling Coverage

This is coverage for the building itself. But your property isn’t just four walls and a roof. Any permanently installed outdoor equipment on your property, including swimming pools, is protected under your Dwelling limit.

Stay safe and protected from thieves and other potential damage. Our organization calculates your dwelling limit using the most up-to-date and comprehensive property information. Want to learn more about how we determine your property’s rebuild value?


Contents Coverage

Contents or belongings insurance is a specific amount to replace furniture, appliances, lawnmower, etc. Rental property insurance does not always automatically include contents. However, it can be added upon request.

If the building is damaged by fire, it could all be gone instantly. The dilemma arises when your adjuster asks you to provide a list of lost or damaged items when filing a claim. Do what you can to keep a record of your belongings by taking a picture of your closet or a video of you walking through each room. For special items that can’t easily be replaced, ensure you have a more specific record of it for your adjuster, as they will likely offer a cash settlement if no replacement can be acquired. Pictures and receipts of purchases are the ideal way to ensure you are adequately compensated in the event of a loss.

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Tenant Vandalism

Renting a property can be a great idea, but it’s important to be protected if your tenant vandalizes it. Rental property insurance can help you cover your investment, and it can also help you if your tenant is caught vandalizing your property. Vandalism by tenant coverage endorsement protects against intentional physical damage to Insured property. However, it is not available with all insurers. Ask your broker about which companies offer this coverage.

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Short Term Coverage

Your insurance can vary depending on the rental agreements between you and your tenant. If you are operating a short-term rental similar to Airbnb, ensure you disclose this to your broker, as long-term vs short-term rental policies are different.

Ask your broker about the following coverages available with each insurer to help you find the best policy for you:

  • Theft and attempted theft caused by tenants and their guests
  • Damage caused by tenant vandalism
  • Theft of, or damage to, your tenant’s property
  • Fair rental value

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Personal Liability

To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for revenue property owners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your property insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.

While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. Ten years ago, a five-million-dollar case may have been rare, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, adding to the bottom line.

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Loan Protection

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

  • Non-commission dedicated advisor with industry experience.
  • Regular touchpoints with your advisor to ensure that your plan is working for you.
  • Access various services, including habitational, auto, travel, business and farm insurance solutions.


Explore our FAQs for Saskatchewan property insurance.

Your home is one of your most valuable assets, and protecting it should be a top priority. Check out some of our most frequently asked questions for home insurance. For example, “Why does the cost of my property insurance go up every year?”


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Protect your property with flood insurance coverage.

If you’ve never experienced a water claim, you are among the lucky few! Water claims are more common in Saskatchewan than fire claims and can cause thousands in damages! Overland Water coverage protects you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. Sewer backup coverage protects you from loss or damage to your property caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system.

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Protect your real estate rental property and find insurance near you.

Don’t let the unexpected bring your business down. Our insurance experts will work with you to find the right coverage for your unique needs so that you can focus on growing your business with peace of mind. Find an office near you today!


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Rented dwelling insurance allows you to rest assured that your investment is safe. Get a free quote today and secure your property’s future.

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