08/30/2026
Renting? Tenant insurance matters more than you may think.🏡
The recent flooding across St. Catharines and Niagara-on-the-Lake is a good reminder that your landlord’s insurance generally protects the building — not your personal belongings.
Tenant insurance can help cover things like:
✅Furniture, electronics and clothing
✅Temporary accommodations if your rental becomes unlivable
✅Personal liability
✅Certain water-related losses, depending on your policy
In Ontario, tenant insurance often costs roughly $20–$50/month, depending on your coverage and deductible.
One important tip: sewer backup and overland flood coverage may need to be added separately, so always ask exactly what your policy includes🤍
For a relatively small monthly cost, tenant insurance can provide significant protection when the unexpected happens.