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Home insurance for tenants (apartment insurance)

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Insurance type

Home insurance (or Tenants insurance) is a must for tenants like you. Not only does it protect your personal property against fire, theft and vandalism, but it also covers your liability if you're responsible for accidentally injuring others or damaging their property.

Additional living expenses

In the event of an insured loss, like a fire or water damage that forces you out of your home, Desjardins Insurance covers your additional living expense.

  • Additional living expense are the extra costs you have to pay because you can’t stay in your home during repairs.

Liability Coverages for tenant

Liability Coverages protect you if you’re responsible for accidentally injuring others or damaging their property, for instance:

  • You accidentally damage someone else's property (for example, your bathtub overflows and causes water damage to the neighbour's home below).
  • You leave a candle burning and it starts a fire that damages your apartment and the fire spreads next door.
  • Your pet injures someone (e.g., your dog bites a visitor).

Your Liability coverages also cover defense expenses related to bodily injury and property damage lawsuits.

Basic protection is $1 million. You can increase this amount up to $5 million under certain conditions.

Additional insurance coverage

You can also get additional home insurance coverage tailored to your needs.

H2O+ Protection

Covers you against damage caused by sewer back-up, water seepage and floods.

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Escape of fuel oil (Endorsements 46b and 46c)

Covers damage caused by fuel oil spillage and covers soil decontamination.

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See additional coverage details


Good to know

When you travel, your tenants insurance policy covers your property and your liability no matter where you are in the world.

Read our keys to prevention to find out how you can protect your property against water damage, weather damage and natural disasters.

Practical assistance service

Your home insurance policy with us comes with Desjardins Identity Theft Assistance at no additional cost.

  • The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.

See how easy it is to protect your apartment with our Tenants insurance!

Get a home insurance quote now

Speak with a licensed insurance advisor By phone: 1-877-699-9923

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