Personal Insurance · Windsor-Essex
Tenant Insurance
Protection for renters — your belongings, your liability, and help with living expenses if a covered loss displaces you.
Tenant insurance is for anyone renting an apartment, house, condo unit, or basement suite in Windsor-Essex. Whether you are a student, a young professional, or a long-term renter, a tenant policy protects your personal property and liability exposure.
What's covered
Tenant insurance focuses on what you own and your personal liability — the landlord's building policy generally does not replace either. Coverage, limits, and eligibility vary by insurer and policy.
Contents / Personal Property: Your landlord's insurance typically protects the building — not your belongings. Contents coverage on a tenant policy is intended to respond when personal property is stolen or damaged by a covered peril such as fire, certain water damage, or theft, subject to limits, deductibles, and exclusions.
Contents / Personal Property
Your landlord's insurance typically protects the building — not your belongings. Contents coverage on a tenant policy is intended to respond when personal property is stolen or damaged by a covered peril such as fire, certain water damage, or theft, subject to limits, deductibles, and exclusions.
Practical considerations
Landlord requirements
Many leases require minimum liability limits and proof of insurance. Keep your policy active for the full lease term and provide certificates when your landlord asks.
Valuable items
Jewellery, bikes, collectibles, and high-end electronics may need scheduled items or higher sub-limits. Tell your broker about anything that would be costly to replace.
Home-based work
If you run a business from your rental, standard tenant policies may limit business-related claims. Flag home office or client visit activity to your broker.
The Premium difference
Why a broker?
One relationship. Multiple markets. Coverage explained in plain language.
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Your situation
Your property, belongings, or vehicle — and how you actually use them.
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Multiple insurance markets
Independent access to personal lines carriers — not one company's shelf.
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Premium broker
Windsor-Essex advice that explains options in plain language.
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Right-fit coverage
Coverage matched to your real risks — not a one-size template.
A lot to protect? Good thing we have options.
One policy is rarely the whole picture. Explore other personal coverage from Premium.
Tenant insurance FAQ
Straight answers for Ontario renters.
It is not mandated by provincial law, but many landlords require proof of tenant insurance in the lease. Even without a requirement, it protects your belongings and liability — the landlord's policy does not cover your stuff.
Ready when you are
Ready to protect your rental?
Tell us about your rental — we will compare tenant options and explain what is covered.