Moving into a rental often means insurance for the first time. This page explains what tenant insurance usually covers and what people often ask before they sign.
Tenant insurance generally has three parts: your belongings, your liability (harm you cause to other people or their property) and extra living costs if you cannot stay in the unit after a covered loss.
Policies often end when you move, so check dates, and ask your insurer or advisor what to do if you are moving to another rental.
Usually not. A landlord's policy typically covers the building and the landlord's liability, not a tenant's belongings or liability.
Rules differ by province and by lease. Some landlords require it in the lease even where the law does not. Read your lease and ask your landlord.
Not always. Whether a roommate is covered depends on the policy wording, so ask your insurer or a licensed advisor.
General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.