The cost of tenant insurance is based on several factors such as public information about the place you’re renting and your personal information. Here are things can impact your rate:

• Where your rental is located
• Home structure, age, type of heating, etc.
• Number of past insurance claims
• Information about you (age, credit score if applicable, etc.)

Using this information and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).

No, renters insurance isn’t mandatory in Québec by law. But many landlords require you to have a tenant insurance policy before you sign the lease. Even if it’s not required, having tenant insurance in Québec is a smart move to protect your stuff and cover you if your belongings are damaged or stolen.

Your spouse or common-law partner and your kids are already covered by your policy. Anyone else who is living with you and is also on your lease can be added to your tenant policy to share coverage. To do this, just add them as a tenant when you buy your tenant insurance online. 
 
If you’ve already purchased and want to add them to your existing Sonnet policy, log in to your account and click on your tenant policy. Select the Tenants tab and click Add a tenant.  
 
Here are the details you’ll need to have ready for your roommate: 

• Their full name 
• Their date of birth 
• Their email address 
• Their phone number 

Once all of this has been entered, click Add. Your policy documents will update to include their name.

Yes, tenant insurance in Québec comes with coverage limitations on certain belongings. Some personal belongings fall into a category called special property limits. These items are covered up to a fixed-dollar limit and these limits cannot be increased. Things like business property, gift cards and spare auto parts fall into the standard limits category. 
 
You’ll see a full list of items in the special property limits category when you complete a tenant insurance quote. If you’re already a home customer – find the list in your policy wording document. 
 
Learn how your personal belongings are covered.

It’s easy to get a tenant insurance quote with Sonnet. Simply start a home quote, answer a few questions and customize your coverage, then you’re all set. You can buy your policy now or if you’re not ready yet, we’ll save your quote for 45 days (as long as no changes are made) or until your selected coverage start date (whichever occurs first).