The simplest way to buy insurance
Our platform is designed to be the fastest and simplest way to buy insurance. We make it easier than anyone else to get covered.
Manage your Insurance policy
SIGN INManage your Insurance policy
SIGN IN
Get your insurance docs in 5 minutes
Guaranteed acceptance by property managers and landlords across Canada. Credit Check not required
What address would you like to insure?
4.6 rating
Get a quote in less than a minute.
FROM$11MONTHLY
Our Tenant Insurance starts at just $11/month. You can customize your policy just how you like it so you're only paying for the coverage you need.
The cost of the policy depends on a few things, such as the address to be insured, the coverage limits and options you select. We offer the following coverage options:
Contents coverage options ranging from $10,000 to $150,000
Additional living expenses coverage options ranging from $5,000 to $30,000
Personal liability coverage of up to $2 million
Deductible options ranging from $500 to $2,500
Water damage and full replacement value extensions
Get covered in less than a minute.
What address would you like to insure?
Why choose APOLLO?
The best value for money
We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.
Easy online tools
Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In
Great insurance advisors
If you need to speak to a person, you can contact one of our insurance advisors easily by phone, email or chat. We're here to help!
Fair, independent claims management
We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.
Top financial ratings
Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.
Getting insured is as easy as 1 - 2 - 3
1
Tell us (very little) about yourself
Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.
2
Pay online easily and securely
You can choose to pay monthly or save money by paying for the entire year in one easy payment.
3
Get your documents in your inbox - instantly
As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.
What is Tenant Insurance?
As a renter, you've created a cozy home filled with your belongings. But what happens if your cherished possessions are damaged or stolen? That's where tenant insurance comes in. Whether you're renting an apartment, condo, or house, tenant insurance protects the contents of your rented property and provides you with peace of mind.
Tenant insurance ⎯ also known as renters insurance, condo tenant insurance, or content insurance ⎯ is essential for anyone who rents their living space. Unlike landlord's insurance, which covers the building itself, tenant insurance covers your personal property, liability, and additional living expenses if you're forced to temporarily relocate due to a covered event.
What's covered by Tenant Insurance?
As a tenant, you have unique insurance requirements that are different from the needs of homeowners. That's why we've tailored our Tenant Insurance coverage for renters like yourself - and you can customize it even more to suit your individual needs. This policy covers three crucial areas: Contents, Additional Living Expenses, and Personal Liability.
Contents
Simply put, Contents Insurance covers your personal belongings - the contents of your home. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.
Additional Living Expenses
Have you ever wondered what you would do if you couldn't live in your apartment due to an emergency? This coverage can help you pay for hotels and food if you are forced out of your home after a covered event.
Personal Liability
Accidents happen. And they can be costly. Personal Liability coverage protects you if you are held responsible for property damage or personal injury to others, at home or anywhere else.
Are you a full time student? We have a product specially designed for you! Check out our Student Tenant coverage.
What our customers say about us
Customer service is a huge part of the APOLLO story. Insurance is a relationship based on trust and we earn our clients' trust by providing the best products backed by world class service and support.
What if I need to make a claim?
If something happens and you need to use your Tenant Insurance, APOLLO makes it easy with a simple claims process that can be done online. Just let us know the details of the incident and we'll get started on doing our part to set things right — keeping you informed at every step of the way.
Frequently Asked Questions
Is tenant insurance required in Ontario?
While tenant insurance is not legally required in Ontario, it’s highly recommended to protect your personal belongings and have liability coverage in case of accidents or injuries. Additionally, most landlords require their tenants to have insurance as a condition of the lease agreement. Without tenant insurance, you could be responsible for the full cost of replacing your personal belongings or for damages and injuries that occur in your rented space.
How often do Ontario homes suffer from water damage?
Water damage is the leading cause of home insurance claims in Ontario. While your APOLLO Insurance policy has basic water damage coverage, you can upgrade this with enhanced water damage coverage.
Find out examples where water damage is covered by reading our article Does Renter’s Insurance Cover Water Damage?
How much is a tenant insurance policy in Ontario?
Tenant insurance in Ontario typically costs between $15 and $30. APOLLO offers comprehensive policies that allow you to customize your coverage, so you're only paying for what you need.
Find out what factors effect the cost of tenant insurance by reading our article How Much is Tenants Insurance in Ontario?
Does tenant insurance cover fire?
Yes, renter’s insurance covers fire. This is the case regardless of how the blaze was started, unless the fire was intentionally set by you.
Fire is one of the most common covered perils included in renter’s insurance. Also referred to as named perils, other examples are windstorms and hail, theft, and vandalism.
Find out more instances by reading out article Does Renters Insurance Cover Fire?
What is tenant insurance and why is it important?
Most people are familiar with home insurance. Less familiar is Tenant Insurance (also known as renters insurance), which protects you if you're renting a residence. Renters Insurance is a requirement for many landlord-tenant lease agreements, but even if it's not, it's a good idea to have. It can end up saving you from covering the cost of replacing your valuable items in the event of a fire, theft, or flood.
Tenant Insurance can also help pay for the extra costs of having to live somewhere else if your residence becomes uninhabitable due to an insured loss. This can include the cost of lodging, such as temporary rent at a separate location, hotels, or Airbnbs, and can also help with other costs like restaurant meals and storage fees.
Although landlords likely have insurance of their own, your landlord's insurance typically only covers the building. This leaves your contents of your unit unprotected. Further, if you were found liable for damages to the building, your landlord's insurance company may come after you for the costs. Renters Insurance can aid you in both of these situations. Further, it can cover certain expenses that arise from an emergency. Read more about the benefits of Renters Insurance here.
Recently purchased Tenant Insurance policies
Thousands of people across Canada trust us every month for Tenant Insurance
Ready to get covered?
We provided more than 1,000,000 quotes to Canadians just like you. Give it a try!
What address would you like to insure?