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Home insurance for tenants

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Tenant insurance is a must for renters like you

Whether you're renting an apartment, condo or house, tenant insurance is a must. Bundle your car insurance with your tenant insurance and save more for the things that really matter. You can even insure your apartment online!

Tenant insurance coverage

All-risk insurance

With all-risk insurance, you can protect your personal property against most accidents like fire, theft, vandalism and certain types of water damage. Imagine being forced out of your apartment because of a loss. You’d want to be able to afford to live elsewhere while repairs were being done. Thankfully, your tenant insurance would cover your additional living costs.

When you might need all-risk insurance:

Damaged furniture

You drop a can of paint on your new couch, and you need to replace it.


You lose all your furniture and clothing in a building fire and need to find somewhere else to stay.

It never crossed my mind!

Our renter insurance coverage also covers accidents people don’t think of when buying their insurance policy, like dropping your laptop on the floor or your fridge in the stairs on moving day!

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 expenses.

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

Tenants liability coverage

Liability coverage protects you if you’re responsible for accidentally injuring others or damaging their property. Basic protection is $1 million. You can increase this amount up to $5 million under certain conditions.

This liability coverage also covers defense expenses related to bodily injury and property damage lawsuits.

When you might need tenant liability insurance:

Water damage

Your bathtub overflows and damages the apartment below.

Damage to premises you do not own

You rent a chalet for a ski weekend. You overload the woodstove before going to bed and it causes fire. The damage from fire is substantial and the owner of the chalet decides to claim for it.

Beware of the dog!

Your dog bites a visitor and injures them.

Optional coverage
Tenant insurance

Customize your policy with coverage options based on your needs:

Water damage

Get additional water damage coverage for sewer back-up, water seepage and floods.

Swimming pool and hot tub

Protect your above ground, semi-inground or inground pool or hot tub from damage caused by ice and snow.

Escape of Fuel Oil

Get coverage for damage caused by a fuel oil spill.

See all optional coverage

Discounts on tenant insurance

Multi-Line advantage

Save up to 5% when you also insure your car with Desjardins Insurance. Plus, pay only one deductible (the highest), if an incident damages both your apartment and your car.

Claims-Free savings

Save up to 20% if you are claims-free.

See all our home insurance savings


Good to know

When you travel, your tenant 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.

Desjardins Identity Theft Assistance

Get support from a team of identity theft experts at no additional cost with your home insurance.

  • 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. Online insurance purchase is available subject to our underwriting policies. Limitations and exclusions apply.

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

Get a tenant insurance quote now

You can also buy your insurance online!

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

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