Tenant Insurance In Vancouver
Affordable renters insurance that protects your belongings—for tenants starting at just $18/month.
Why Customers Trust InsureBC
"I was honestly amazed at how easy InsureBC made renters insurance—no endless emails or phone tag, just a few clicks online—and I was fully covered in under 20minutes. Best of all, their rate was the cheapest I found compared to every other provider."
Policy Overview
Our renters insurance policy offers comprehensive protection with four key features:
Personal Belongings
Renters insurance covers the cost to repair or replace your personal belongings damaged by unexpected events like fire or theft to give you peace of mind.
Liability
Accidents happen. If someone gets hurt in your home or you accidentally cause damage to your rented unit, personal liability coverage helps cover the costs you're legally responsible for.
Additional Living Expense
Ever thought about where you’d stay if an unexpected event made your rented space unavailable? Renters insurance can help cover hotel stays, meals, and other costs while your home gets repaired.
Optional Add-Ons
You can add extra protection like earthquake or water damage coverage to ensure your tenant policy fits your needs and keeps you fully covered.
Why You Should Choose InsureBC
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We are a proudly Canadian-owned and operated private brokerage with over 90 independent insurance agencies located across British Columbia.
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We are your neighbourhood broker with over 100 offices. One of our locations is always near you if you want to move your insurance to a closeby office.
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Our online insurance products are offered by 3 of Canada’s largest and most reputable Insurance companies. We also have licensed industry experts that can answer any questions you might have through phone, email, live chat and in person.
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We are not only one of BC’s first digital insurance agencies but also a trusted brokerage that works with over 50 insurance companies to find coverage tailored to your unique needs.
Coverage Details
Our online renters insurance provides high-limit protection with top-rated local claims service. You can enhance your coverage with optional add-ons tailored to real-life risks.
For example, sewer backup coverage helps pay for repairs and cleanup if water from a backed-up drain or sump pump damages your belongings—an increasingly common issue in urban areas. Earthquake coverage protects you if an earthquake destroys your possessions or makes your rental space inhabitable, and you can choose a deductible that fits your budget.
These optional coverages offer valuable peace of mind when the unexpected happens. Check out our chart for a full breakdown of what's included.
Coverage Type
Amount of Coverage
Optional Add-ons and Customizations
Earthquake
Earthquakes may be rare—but the damage isn’t. Adding earthquake coverage to your renters insurance helps protect your personal belongings. It’s an essential layer of protection, especially in a high-risk zone like BC.
Water Protection
Water has a way of sneaking in—but you don’t have to face the damage alone. This coverage helps protect your belongings from unexpected water damage caused by things like sewer backups, overflowing appliances, or overland flooding. Availability may vary depending on where you live in BC.
Other Customizations
Our online renters insurance lets you customize your coverage to fit your needs. Choose your coverage limits, add protection for high-value items, and explore flexible options to build a policy that works for you.
Get an Online Renters
Insurance Quote Now
Frequently asked Questions
Does the tenant insurance cover hotel and food costs?
Yes, tenant insurance typically covers additional living expenses such as hotel and food costs if you need to temporarily relocate due to a covered loss. For instance, if your apartment becomes uninhabitable due to fire or water damage, your policy will cover your temporary housing costs and meal expenses until you can move back in. This provision ensures that you’re not left stranded or financially burdened by unexpected events. Always review your policy’s specifics to understand the limits and conditions of this coverage.
Why do I need tenant insurance? Isn’t insurance my landlord’s responsibility?
Both parties should have an insurance policy as each one will cover different things. The landlord's insurance covers the property itself, their contents, loss of rental income, and premise liability. This coverage does not extend to tenants. Tenants insurance covers your personal belongings, your own tenant liability insurance, and any extra living expenses that you would incur should you have to temporarily relocate while your place is being repaired.
Is tenant insurance mandatory in British Columbia?
Many landlords in British Columbia require their tenants to purchase tenant insurance prior to moving in. Luckily, it is among the most affordable and simple insurance products in the marketplace. Depending on coverages, your policy can start as low as $20 per month.
How much does Tenant's Insurance cost in BC?
Tenants insurance is among the most affordable and simple insurance products in Vancouver and the rest of the BC marketplace. In many situations, the cost of tenant insurance is far lower than people expect. Depending on the coverages you select and the number of possessions you own, a typical tenants insurance policy can start as low as $20/month. All of our offices specialize in Tenants insurance and represent Canada’s largest and most reputable insurance companies. Our online system is backed by a number of licensed insurance brokers who are true experts in the field of Tenants Insurance. We have just put the entire purchase experience online to allow you to purchase it on your own. Give it a try and get a quick renters insurance quote.
You may also be eligible for discounts by bundling your tenant insurance with other policies, such as car insurance.
Despite what some people believe, renters insurance can actually be purchased at a relatively low cost. Before we cover the insurance rates, however, let’s have a closer look at the coverage offered within a renter insurance policy, offered by one of Canada’s largest insurance companies.
How many roommates are allowed on a tenants insurance policy?
Roommates are not covered by tenant insurance policies, as each tenant must have their own policy. Please note, immediate family members do not qualify as roommates and will be automatically covered by the policy.
Looking to File a Claim?
Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.
