Insure your apartment with tenant insurance

Buy renters insurance online in 5 minutes.

Whether you’re renting a basement apartment or high-rise condo, make sure you’re covered. If you live in B.C., Alberta, Ontario, Quebec, New Brunswick, Nova Scotia or P.E.I., you can get tenant insurance online with Sonnet in just a few clicks. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed tenant insurance for the better, so you can worry less and live more.

Tenant insurance covers more than just your belongings. Here’s a breakdown of the coverages you could find on a renters policy. The coverage you choose for your tenant policy will be based on your personal situation. This includes how much stuff you have and the type of property you’re renting. Make sure you know what’s included in your policy and what’s not. Want to know more? Check out our sample tenant policy.

Standard tenant insurance coverages
Liability Insurance

Protect yourself and the people in your home in case you’re sued. You’re covered if someone gets hurt while visiting or for damage you may unintentionally cause.

Personal Belongings

Often called contents insurance, this protects anything you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered no matter where they are (whether they’re in your house or not).

Extra Expenses

In case something happens and you can’t live in your apartment – you’re covered while your unit is being repaired. Choose to stay in a hotel or with friends and family, we’ll provide you with the cash either way.

Unit Improvements

You’re covered for the cost of any improvements you’ve made to your rental unit to make it your own. This could be built-in closet organizers or unique light fixtures.

Identity Theft

This covers you and anyone else on your policy in case your identity is stolen. Get reimbursed for the legal fees and expenses for replacing legal documents up to a limit.

Additional tenant insurance coverages
Sewer Backup

This coverage can help in some smelly situations. If water backs up or escapes into your home through a sewer, sump, septic tank, or floor drain, this will cover you for the damage caused. Coverage offered depends on eligibility.

Overland Water

You’re covered for damage to your home caused by fresh water, such as excessive rain, spring run-off and melting snow, coming in at ground level through windows and doors. Coverage offered depends on eligibility.

We’re Canada’s first fully online home and auto insurance company. With us, you can quote, purchase and manage your policy entirely online. Here’s why else we think you’ll love being insured with Sonnet:

Log in anytime to manage your account, access your policy, update your coverages and more.  

On top of our 24/7 claims support, you have the option of an express claim for small losses. 

Online doesn’t have to mean on-your-own. Email, chat or call our fully-licensed insurance agents and experience our 91% customer satisfaction score.

At Sonnet, we combine your unique information with a whole lot of math and analytics to build our best price just for you – savings automatically included. Here are a few ways you could save on your renters insurance:

No claims in the last 5 years? This could mean extra cash in your pocket.

Insuring more than one property could qualify you for a multi-location saving.

Bundling your home and auto policies could mean up to 20% savings for you.

"Easy to set up for just what I needed. Will recommend to others for sure!" "Super easy, super customer service, super price. Almost a third of the price of other companies for house insurance. Couldn’t be happier with this company. Thanks Sonnet."

Insuring your stuff should be simple. We’ve made getting a tenant insurance quote quick and easy, and we’re here to help from start to finish. We’ve gathered some helpful info and common questions to get you started.

How are my personal belongings covered?

Personal belongings are anything that you own that you could pack in a bag or take in a moving van with you. For example, your clothes, laptop, cellphone, refrigerator etc., are all things included in your personal belongings coverage. When you set up your policy, you have the option to set your coverage limit for your personal belongings, based on approximately how much your stuff is worth.

If you have fancier items, like expensive jewellery or silverware, consider whether their cost would be within your overall personal belongings limit. If not, you can either increase your overall limit or add these items separately to your policy. They’ll be covered by their own limit(s) and have no deductible.

How do you calculate the cost of tenant insurance?

We ask you a few key questions to access public information about the place you’re renting along with personal information you provide to determine your rate. The information we use includes:

  • Where your rental is located
  • Home structure, age, type of heating, etc.
  • Number of past insurance claims
  • Information about you (age, credit score if applicable, etc.)

Using this information and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just 5 minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).

Are there any coverage limitations for certain belongings?

A small number of personal belongings fall into a category called Standard Limits, which means you’re covered for these items up to a fixed dollar amount. These amounts cannot be increased (unlike Specialty Belongings). Some examples of these items are business property, gift cards and spare auto parts.

The list of items that fall into Standard Limits can be found during the quoting process, or in your Policy Wordings document (if you’re already a home customer).

Check out our blog for more information on how all of your belongings are covered.

What if I’m renting with other people – can I add my roommate?

Your spouse or common-law partner and your kids are already covered by your policy. Anyone else who is living with you and is also on your lease can be added to your tenant policy to share coverage. To do this, just add them as a tenant during purchasing.

If you’ve already purchased and want to add them to your existing Sonnet policy, log in to your account and click on your tenant policy. Select the Tenants tab and click Add a tenant. 

Here are the details you’ll need to have ready for your roommate:

  • Their full name
  • Their date of birth
  • Their email address
  • Their phone number

Once all of this has been entered, click Add. Your policy documents will update to include their name.

The 5 minutes to get insured is based on the average Sonnet customer experience.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

The Sonnet customer satisfaction score is based on the average survey results of Economical Insurance respondents between January to December 2018.