Tenant insurance

Get tenant insurance for as low as $10 a month

Protect the things you own and save with Onlia’s discounts for tenants. Quote and buy online. Cancel anytime.
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Buy tenant insurance in Ontario online

Onlia’s all-online insurance makes it easy to protect the things you own at an affordable price. Get premium coverage, plenty of discounts, and 24/7 claims service that’s always here to help when you need it.
How it works

Insurance made easy

Quote and buy online

Get a quote in minutes, buy on the spot, and be covered as early as tomorrow. No brokers or paperwork required.

Make changes anytime

Life changes quickly. When you need your insurance to keep up, adjust your policy online anytime.

Help is always here

The insurance may be online, but our caring team is just a phone call away with 24/7 claims service.

Cancel anytime

Try Onlia commitment-free. You only pay for the days you’re insured, with no cancellation fees.

How tenant insurance works

How tenant insurance works

How does it help me?

You get financial protection if the things you own are damaged or stolen. From fire and water damage to theft and break-ins, tenant insurance covers the cost to repair or replace your personal property so that you don’t have to.

Do I need tenant insurance?

You won’t be breaking any laws without it, but you’ll be risking a lot of personal cost if something happens to your stuff. Some landlords will require that you have insurance to rent a place.

How much coverage do I need?

That depends on what you need to protect! Before buying insurance, do an inventory of your belongings to determine how much coverage you need.

What if my landlord has insurance?

Your landlord’s insurance protects their property, not yours. If something happens, your landlord's insurance won’t cover the cost to replace the stuff you own, or provide you with liability coverage.
Coverage for tenants

How you’re protected

Fire damage

Fire and smoke are common culprits of property damage. If they occur, we’ll pay to replace your personal property.

Flood and water damage

Comprehensive overland water protection, covering your things if they’re damaged by flooding or sewer backup.

Theft and break-ins

Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home, or someplace else.

High-value items

Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $2,500.

Personal liability coverage

Legal protection if you’re sued due to someone else's injury or property damage, even if it happens in another country.

Emergency accommodations

We cover accommodation and living expenses for you and your family if something happens to your home that makes it unfit to live in.

Identity theft

If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

Legal assistance

Need help with a legal matter? We’ll refer you to a preferred legal counsel who specializes in your situation.

Start a quote to see more details about Onlia's coverage and how it protects you. Or, check out a sample home policy.

Discounts

Ways to save on tenant insurance

We apply eligible discounts to your quote automatically, so you always get the best available price. Learn more.

Home & Auto Bundle

Save 20% on home and 15% on auto when you bundle up with Onlia.

Credit Score

Save up to 50% for your good credit score.

Monitored Alarm System

Save 15% protecting your home with a connected alarm system.
Here when you need us

24/7 claims service

The insurance may be online, but there’s a team of humans ready to help when you need it. We’ll guide you through every step of a claim and make sure you get the coverage available in your policy. We’ll also arrange for any repair services or alternate accommodations you need.

Frequently asked questions

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