Our customized home insurance solutions offer you peace of mind at the best possible price!

Rental property insurance

Do you own one or more rental properties? We have customized solutions for you. If you own up to six units, you can cover them under your personal insurance policy. For seven or more units, you’re generally recommended to take out commercial insurance — an area in which we also have expertise.

Refer to our Commercial Insurance section or call us for more details.

Types of protection

Personal possessions are usually covered under a “building and/or contents” policy. This policy usually covers:

Coverage A: Dwelling Building you own or rent to others;
Coverage B: Detached Private Structures (Example: shed, a detached garage of your home, etc.);
Coverage C: Personal Property (contents)* (to cover your furnished dwellings);
Coverage D: Rental value* which covers loss of income related to an insured risk, such as monthly rental payments.

These descriptions are provided only as a guide. Certain conditions, limitations and exclusions may apply to each of these guarantees, as specified in the forms. Coverage is also subject to change without notice. Please refer to the forms provided by your insurer and to their modifications.

Coverage E: Legal liability

protects you from having to pay damages if you are responsible for unintentionally causing bodily or material damages to others on your property. This coverage is usually added on to your main insurance. Thus we often recommend that your rental units be covered under the same insurer as your main insurance, as it saves a lot of trouble in the event of a claim.

Does my Legal liability coverage also protect the Liability of my tenants? Not at all. Your tenants must purchase their own tenant insurance policy.

Having trouble getting insured?

You may have encountered difficulty insuring a single family home that you rent to a third party. This is due to several factors, including higher risk of fire, improper maintenance and/or liability.

Talk to our experts. We can assess your situation and come up with a solution that’s right for you.

Additional coverage

Whether you’re insured as an owner-occupier, tenant or co-owner, we can suggest affordable added protection to cover a range of situations:

Specific valuables coverage (personal cameras, video cameras, computers, art, jewelry, etc.)
Coverage for fire following an earthquake
Water damage (sewer backup) coverage
Pool and hot tub coverage
Legal expense coverage
Identity theft coverage
Golf cart coverage
Boat, yacht and other watercraft coverage

Let us analyze your needs. Take a few moments and fill in our online quote form

Questions? Contact a broker at 514.729.6001 or write to us.

Am I covered for water damage?

You can insure against water damage, with the exception of floods. Your policy can cover broken water heaters, defective plumbing and sewer backups, provided you’ve selected the appropriate riders.