Your landlord’s insurance covers the building, not your belongings or your liability. Tenant (renters) insurance pays to replace your things after fire, theft or water damage, covers you if you accidentally damage the building or injure someone, and pays hotel costs if your unit becomes unlivable. Many landlords now require proof of tenant insurance in the lease.
Home, condo & tenant
5 min read
Updated Oct 3, 2026
Can a Landlord Require Tenant Insurance in Ontario?
No Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.
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