Tenant insurance for less than your monthly streaming.
Renting in Montreal does not mean your landlord covers your stuff. Tenant insurance protects your belongings, your liability, and your living costs if something goes wrong. Quote online in minutes, or talk to a broker.
A real rate, in minutes.
Most Quebec landlords now require tenant insurance on the lease, and most renters can lock in coverage online without a phone call. Answer a few questions, see your price, and bind the policy. If you would rather walk through it with a person, a licensed broker replies the same business day.
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Three things tenant insurance actually does.
A renter’s policy is small, focused, and built around what you own and the unit you live in. Here is what a standard tenant policy protects.
Your stuff
Furniture, electronics, clothes, your bike on the balcony. If fire, theft, or water damage takes it out, you are reimbursed for the replacement cost, not the depreciated value.
Your liability
A grease fire that spreads to the neighbour. A guest who slips in your kitchen. An overflowing bathtub that ruins the unit below. Liability cover handles the legal and repair costs so you do not pay out of pocket.
Living expenses
If your unit is uninhabitable after a covered loss, your policy pays for a hotel, meals, and the extra costs of being displaced while repairs happen. You keep your routine, the policy carries the bill.
Required by your lease, worth it on its own.
Most Montreal and Quebec landlords now write tenant insurance into the lease, and many ask for proof of coverage before you move in. It is a small monthly cost for a clear answer to one question: who pays if your unit catches fire, gets broken into, or springs a leak that ruins the apartment downstairs.
Without tenant insurance, the answer is you. Your landlord’s policy covers the building, not your belongings and not your liability for damage you cause. A tenant policy fills both of those gaps, usually for less than the cost of a phone plan.
We work with 25+ Quebec insurers and shop the market for you, so you do not overpay for the baseline coverage every renter needs.
If you rent in Quebec, this is for you.
Tenant insurance fits anyone who pays rent and owns the things inside the unit. Common situations we cover:
- Students renting a Montreal apartment, alone or with roommates
- Young professionals in their first solo place
- Couples and families renting a long-term unit
- Anyone renting a condo, plateau triplex, or basement apartment in Quebec
- Tenants whose landlord just added an insurance clause to the lease
Tenant insurance, answered.
The questions Montreal renters ask us most. Still unsure? A licensed broker replies the same business day.
How much does tenant insurance cost in Montreal?
Is tenant insurance mandatory in Quebec?
Does it cover my roommates?
What is not covered by tenant insurance?
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