Tenant Insurance Quote Checklist for Canada
Tenant insurance is not the landlord's building policy. A comparable quote identifies the rental, occupants, replacement value of belongings, liability limit, Additional Living Expenses, deductible and optional protection.
Tenant Quote Checklist
Prepare the rental address, unit and building type, move-in date, occupants and roommates, contents replacement estimate, valuables, claims history and lease requirement. Match liability, contents, ALE, deductible and optional water coverage across quotes.
Tenant quote comparison checklist
0 of 5 items reviewed
Tick each item after reviewing it. Checks are kept for this page visit; download a copy to keep your progress and questions.
| Review item | What to check and ask |
|---|---|
| Match the unit address, move-in date, occupants and roommate information.Ask: Who is included, and who needs separate insurance? | |
| Use the same inventory estimate and flag items that may have special limits.Ask: Does the contents limit reflect my documented belongings? | |
| Compare replacement-cost and actual-cash-value terms alongside the deductible.Ask: How would a damaged or stolen item be valued? | |
| Record liability and Additional Living Expenses separately, including relevant lease requirements.Ask: What limit and conditions apply to each? | |
| Identify optional protection and the document required by the landlord.Ask: Does the issued evidence match the lease requirement? |
Identify the rental and everyone who needs coverage
Provide the full address, unit, building type, move-in date and use of the rental. Explain who lives there and ask whether a spouse, family member or roommate is included, must be named or needs a separate policy.
Do not assume sharing a lease or address automatically makes every occupant an insured person under the quote.
Estimate contents from a simple inventory
Build a room-by-room estimate using replacement prices rather than guessing from the largest items. Include clothing, kitchenware, electronics, furniture, sports equipment and belongings stored away from the unit where applicable.
Flag jewellery, bicycles, art, collectibles, cash and other categories that may have special limits. Ask whether scheduling or an endorsement is required for higher protection.
Compare liability and temporary living protection
Match the personal-liability limit requested by the lease or selected by the renter. Compare Additional Living Expenses and the conditions that must be met before temporary accommodation or eligible extra costs are paid.
Liability, contents and ALE answer different loss scenarios. One large liability number does not establish that belongings or displacement costs are adequate.
Record deductible, optional coverage and proof
Compare deductibles and ask separately about sewer backup, overland water, earthquake or other location-relevant options. Confirm replacement-cost versus actual-cash-value treatment for contents.
If the landlord requires proof, ask what document and liability limit are needed. A certificate or declarations page is evidence of the issued insurance, not a replacement for reading the policy.
Use your own numbers
Build a room-by-room belongings estimate before selecting and comparing contents limits.
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