Renters Insurance


*Please be aware you’ll be redirected to our quote portal at the following address: where you can complete your application and purchase your coverage.

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Obtain Tenant Insurance in just minutes using HWICLICK! It’s a simple, safe, and cost-free process.

With purchase, you get access to the online portal where you can instantly access your policy documents and allows you to make updates 24/7.

Click on one of the below topics to unpack your Renter’s Insurance:


Belongings & Contents

Contents or belongings insurance is a specific amount to replace your clothes, furniture, TV, appliances, etc. Our personal belongings might cost tens of thousands of dollars to replace. This coverage cannot be removed from your Condo insurance policy; however, you can choose the coverage limit.

Click here to see our downloaded checklist to help determine where to start.

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Tenant 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 because it helps protect you from financial losses that may occur due to a lawsuit.

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Personal Valuables

Personal Valuables/Increased Limits Coverage enables you to increase the insurance amount for a specific high-value item that would otherwise surpass the limit provided in your base policy.

– Fine Jewellery
– High-value watches
– Wine and Spirits
– Works of Art
– Bikes

Sewer Back-Up

Living in a building with shared plumbing means you can’t predict what may be going down the drain. But when it comes back up, it’s gross.

Root growth, blockages, or even breaks in pipes exiting your property or apartment building can cause backups in kitchens, laundry rooms, or bathrooms. A standard insurance policy doesn’t provide coverage automatically, but you’ll often be able to purchase coverage as a rider.

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Identity Theft Rider

Identity theft is becoming more and more prevalent today. From all the information we put on Facebook to someone stealing your wallet or the mail out of your mailbox, there are unbelievable ways they may try to steal your identity.

For example, you can be reimbursed for obtaining credit reports, notarizing affidavits or other documents used for law enforcement agencies.

In case of any discrepancies between this rephrased text and the official documentation provided by your insurer, please refer to the latter as it takes precedence.

Personal Health Plan

Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits, whether you’re looking for individual or family health insurance that best meets your needs. A Basic Plan Includes:

  • Accidental Death & Dismemberment (under age 65)
  • Accidental Dental
  • Diabetic Supplies
  • Health Practitioners

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How can I save money on my tenant insurance?

As you anticipate the cost of tenants’ insurance, you get to choose a deductible to fit your budget. A higher deductible often leads to lower premiums, whereas a lower deductible offers more protection against out-of-pocket expenses if you have a claim. The amount of coverage also affects the price. The more coverage you have, the higher the cost of insurance.

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How can I save money on tenant insurance

FAQ: commonly asked questions for tenant insurance.

Will your roommate be covered under your insurance plan? Does the renter insurance policy cover bedbug infestations? What happens if you put your belongings in storage for a while? These are great questions, so we’ve dedicated a page to help answer them! Visit our FAQ page, and if the answer you’re looking for is not there, reach out to one of our expert advisors, we’re always ready to help!

FAQ Page

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Rental property insurance, insurance landlords

Suppose you have a trustworthy tenant who consistently rents your property or are working on improving your Airbnb profile to attract bookings for your downtown condo. In that case, you understand the importance of owning a rental property as a substantial investment. Allow us to assist you in finding the appropriate insurance coverage, regardless of the type of space you are renting.

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rented dwelling insurance

Protect your home with ease and speed. With HWICLICK, quote different coverage options and purchase policy minutes!

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