event_availableUpdated · Estimates reviewed October 2026
Pricing in Guelph reflects local claim patterns — student rentals.
Local estimate · October 2026
Instasure’s pricing model estimates the following range for an example profile. Your actual premium depends on your details and the insurer.
$20.00–$33.00/mo
Example profile: Guelph, ON, $30,000 contents, $2M liability, $1,000 deductible.
Named perils
$20.80/mo
Comprehensive (all-risk)
$26.00/mo
Comprehensive + water endorsements
$30.68/mo
Example estimates · October 2026
| Coverage | Typical | Range |
|---|---|---|
| $20,000 contents | $21.00/mo | $17.00–$27.00 |
| $35,000 contents | $28.00/mo | $22.00–$35.00 |
| $60,000 contents | $37.00/mo | $29.00–$46.00 |
Assumptions: $1,000 deductible, $2 million liability where applicable. These are modelled estimates for example profiles, not quotes or offers. Your price depends on your details and the insurer; a licensed advisor confirms real quotes.
Insurers price these risks by postal code. An advisor can tell you which endorsements are available at your address.
What’s changing in Ontario
Belongings at home and, usually, while travelling.
Accidental damage to the building or injury to others.
Temporary housing if your unit is unlivable after an insured loss.
Licensed 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.
Read guide arrow_forwardA standard Canadian home policy usually covers sudden, accidental water damage, but sewer backup, overland flooding and groundwater need optional coverage or are excluded. Here's how each type of water claim works.
Read guide arrow_forwardSince July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Sources: fsrao.ca, northbridgeinsurance.ca, intact.ca. Estimates are modelled by Instasure for the example profile shown and are not quotes. Last reviewed October 2026.
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