Your landlord's insurance covers the building. Not your stuff.
Fire in the unit above. Burst pipe. Break-in. Your landlord's policy rebuilds their building — it replaces none of your belongings and covers none of your liability. Tenant insurance does, for roughly the cost of two coffees a month.
The cheapest policy in insurance is the one renters skip.
Tenant insurance is genuinely the best value in the industry: full contents coverage, $1M+ personal liability, and additional living expenses — for less than a streaming bundle. Yet most renters don't have it, right up until the night they need it.
And landlords increasingly require it in the lease. I set tenant policies up in minutes, bundle them with your car insurance for extra savings, and make sure the liability limit would actually survive a bad day.
What's covered
Every risk is different, so every policy is built — not pulled off a shelf. Here's what a tenant program typically includes:
Contents — replacement cost
Everything you own: furniture, clothes, electronics, kitchen. Replaced new, not depreciated.
Personal liability
$1M–$2M — for the kitchen fire that spreads, the tub that overflows into the unit below.
Additional living expenses
Hotel and meals while your unit is repaired after an insured loss.
Lease-required limits
Matched to whatever your landlord's lease demands — I read the clause, you sign the lease.
Bundle with auto
Tenant + car insurance earns a multi-policy discount that often pays for half the tenant policy.
Identity & extras
Options like identity theft coverage available on many tenant programs.
How it works
Ten minutes on the phone. What you run, what you own, what keeps you up at night. No forms, no phone trees.
I take your file to 60+ insurers and specialty markets through Aaxel and make them compete for your business.
Clear options, straight numbers, coverage that actually fits. You decide — I handle the paperwork.
Tenant insurance across Ontario
Basement apartments in Brampton, condos in downtown Toronto, student rentals near TMU and GTA campuses, family rentals in Mississauga — wherever you rent in Ontario, your belongings deserve the $20/month it costs to protect them. I set these up fast, usually same-day.
Questions, answered
Is tenant insurance required by law?
No — but most leases require it now, and landlords can ask for proof. Even where it's not required, going without is a gamble with everything you own.
What does it actually cost?
Typically $20–$40/month depending on your contents value and location. Bundled with auto insurance, the multi-policy discount often covers a big chunk of it.
Does it cover my roommate's stuff?
No — each tenant needs their own policy for their own belongings. One policy doesn't stretch across roommates.
How do I get a quote?
Call or text me at 226-543-1313, or email sukhman.buttar@aaxelinsurance.com. Tell me what you need covered and I'll shop it across 60+ insurers and specialty markets — most quotes come back within one business day.
What areas do you serve?
I'm based in Mississauga and work with clients across the GTA and all of Ontario. Through Aaxel Insurance Brokers Ltd., coverage can also be placed in Alberta, British Columbia, and Nova Scotia.