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Get 7+ Renters Insurance Quotes in 3 minutes

Let’s get Insurance Hunting!

1. Complete our renters insurance form

We’ll ask some basic questions about you and your claims history

2. Insurance professionals hunt for your best rate

We quickly provide quotes from trusted insurers in your area

3. Choose your package and find available discounts

You select the policy that best fits your needs

4. Ask professional insurance brokers any questions you have

We’re here to provide you with answers

5. Review and finalize your rate

Get your new coverage and start saving

HUB Insurance Hunter is a free service that connects renters with the right coverage at the best price. Your search will be quick, easy and hassle free!

Our advanced price comparison technology searches for quotes from the leading insurance companies in your area. Plus, our team of experienced insurance professionals are on standby to help you fully understand your renters insurance policy.

Our staff are licensed Canadian insurance brokers, whose only mission is to find you the right coverage at the best price! Make sure to ask us about all the discounts that you may qualify for.

Comparing rates from a diverse group of insurance providers is the easiest way to unlock savings on your renters policy.

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Why HUB Insurance Hunter?

No sales pitches

  • 7+ Renters Insurance Quotes in 3 minutes or less
  • Save an average of $100+ on your renters insurance

Qualified service professionals

  • Get quotes from top insurers in your area
  • Unbiased advice and access to qualified, independent, fully-licensed insurance professionals

Security guaranteed

  • Your information is confidential and will never be shared or sold
  • Get 24/7 access to up-to-date quotes!

Why get renters insurance?

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Landlords don’t protect your possessions:

Did you know that your landlord has no legal responsibility to protect your possessions? Their only concern is for their property and appliances, which they have a legal obligation to protect and keep in working order based on the Landlord and Tenant Act(s). Everything that happens within your unit (or to your possessions) in the form of damage, theft or fire, is on you.

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Renters insurance will cover you in the case of:

Fire & Theft

You’ll get compensation if you lose your possessions to fire, theft, vandalism, smoke, or any other form of hazard if you have renters insurance. Your landlord’s policy only protects the building, not its contents.


Without a renters policy, you won’t have liability coverage either. That means you may have to pay expensive legal and medical bills out of your own pocket if someone gets hurt in your rented unit! Renters insurance covers you for liability so you’re off the hook.

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Affordable coverage

Renters insurance is one of the most affordable forms of property insurance on the market. For costs that range from $15 to $35 per month, all of your possessions will be protected. Comparing quotes is the best way to get the cheapest policy on equivalent coverage.

What does renters insurance protect?

Whether you’re renting a room, apartment or house, there are two elements to a renters insurance policy. The first is contents coverage, which provides repair or replacement of items sustaining damage or loss. These items may include:





Renters insurance allows you to cover your most valuable items for a relatively low cost. If you’re the victim of theft or property damage, replacing your possessions out of pocket can greatly exceed the cost of protecting them with coverage.

The second component of renters insurance is liability protection, which covers you in these main scenarios:

First, you’ll be covered for damages caused by you or your guests to the rental premises. If, for example, your actions destroy a door or wall within your apartment unit, your rental insurance policy will save you from paying out of pocket. Additionally, if damage is somehow caused to your unit by circumstances out of your control and you need to temporarily relocate, you'd be covered for the cost of living expenses. Renters insurance will pay for unexpected costs, like meals and hotel stays until the repairs are completed.

The second common scenario that renters insurance protects against is on-premise injury. If a guest is hurt in your home and decides to sue, your policy prevents you from paying the legal or medical costs.

How do I prepare a renters insurance claim?

When the time comes to file a claim, having your records in order will save you a great deal of stress. Being prepared will result in quicker payouts and less hassle all around! Here are some quick, easy ways to stay prepared.

Keep a record of your things

Keeping a complete and up-to-date record of your possessions is the best way to make the claims process as painless as possible. Look around your dwelling and take notes on the items you’ve purchased, including when you purchased them and at what price.

Keep receipts in one place

For the big-ticket items, keep receipts in a safe place. You can also find and print advertisements for the items if you don’t have the receipts.

Keep photos of your valuables

Taking photos and storing them in accessible places (computer drive, lock box) is another crucial step in record-keeping that will make the claims process a whole lot smoother. Make sure you’ll be able to access them if your computer gets stolen or damaged.

Get collectibles appraised

If you’re unable to provide receipts, professional appraisals of antiques, collectibles and jewelry items serve as proof of worth.

How do I make a renters insurance claim?

Making a renters insurance claim is simple, especially if you’re organized. If there has been a robbery or any other form of hazard, call emergency services before calling your insurance provider. Police reports are helpful for the claims process.

1. Write down the details of your claim

A written record of events will be especially helpful if an adjuster calls for clarification on the situation. It will also help you remember details with a quick check of your list.

2. Phone your insurer, policy number in hand

Find your policy number so you can get the claims process started quickly.

3. Provide receipts or proof of ownership

As a last step, your insurer will ask to see the records you’ve been keeping. Find the receipts, photos and appraisals to match with the damaged or stolen items.

What determines my renters insurance rate?

The price of a renters insurance policy in Canada is most commonly between $100 to $400 per year. The exact cost of your policy depends on these factors:

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A higher valuation of your contents means that the insurance company will have to pay more in the event of a loss. Therefore, the amount you pay for your policy will reflect the value of your insured items.

The location of your rental unit matters. Your location tells your insurer how risky your neighbourhood is based on the amount of crime reported in the area. All insurance policies gauge risk this way.

Another way insurance companies calculate risk is by looking at how and when your apartment was constructed. Does your building, for example, have modern fireproofing installed between units? Is the heat electric or gas? What kind of security is in the lobby?

Because every insurer is different, the insurance company you choose will ultimately determine the price of your policy. That’s why it’s in your interest to shop around and compare quotes to find the cheapest price on renters insurance.

The more claims you make, the riskier you are to insure. If you’re making more claims than the average policyholder, you may not be taking the prudent steps necessary to protect your valuables, or you may live in a risky area. Insurers will take into account your history as a client and factor it into the cost of your policy.

The cost of renters insurance in Canada is very reasonable, especially when compared to the cost of replacing all of your belongings! Having a renters plan just makes sense, and HUB Insurance Hunter makes it fast and easy to shop around and compare prices.

Am I legally required to have renters insurance?

Renters insurance is not legally required in Canada. It is an optional form of coverage that renters can choose to purchase or not purchase. However, some landlords and property management companies will make prospective tenants prove they are covered before agreeing to rent them a property.

Because renters insurance is relatively cheap, insurance experts usually recommend it. For a low monthly premium, renters gain protection against potentially massive losses and hefty legal bills arising from in-home injuries to guests.

How can I get cheaper renters insurance?

Getting cheap renters insurance doesn't have to be difficult. Use these tips to save:

Always ask our HUB Insurance Hunters about available discounts or promos to get the best rate on your renters insurance plan.