Tenant insurance for
as low as $10 a month

Get premium protection for the things you love at an affordable price.

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.


Insurance made easy

Premium coverage

You’ll always get more than baseline coverage with Onlia’s standard policies. Upgrade your coverage and add extras for more protection.

All online

Get a quote, buy, and manage your policy all online. No phone calls or paperwork required — ever.


You’re in the driver’s seat at Onlia. Adjust coverage, add or remove vehicles or drivers online, anytime.

Better discounts

Eligible discounts for car, home, tenant, and condo insurance are automatically applied at checkout.

24/7 claims support

We’re always here when you need us the most. Our caring team is happy to guide you through every step.

Flexible policies

Insurance should be able to keep up with whatever life throws your way. With no contracts or fixed terms, Onlia’s policies can roll with life’s changes.

Tenant coverages that keep you protected

Protection for your belongings that makes it easy to understand where your insurance begins and the landlord’s ends. Get a personalized quote in under five minutes and see if Onlia's tenant insurance is right for you. Buy online and be covered the next day.
Fire Damage
Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.
Theft and Break-ins
Coverage for your belongings, like appliances, electronics, and furniture if they’re stolen or damaged at home or some place else.
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.
Identity Theft
If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.
Flood and Water Damage
Comprehensive overland water protection, covering flooding and sewer backup.
High-value Items
Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $10,000.
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.
Legal Assistance
Need help with a legal matter? We’ll refer you to a preferred legal counsel who specializes in your situation.

Discover more about home insurance

  • How Mortgage Insurance Impacts Your Borrowing Power

    Depending on the size of your down payment, mortgage insurance could be necessary in order to close on your home purchase.

  • Flood Insurance: All About High-Risk Zones and Coverages

    We cover the ins and outs of flood insurance, living in a high-risk zone, and preventative flood methods.

  • Four Ways to Enjoy Family Day Without Worry

    Stay covered during your down time.


Save more with Onlia Insurance

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.