Life
Happens
Have A Plan
First apartment. First couch. First roommate.
Whatever the plan, have one.
Tenant cover in about 90 seconds. No credit check. Student exclusive pricing from $18/month.
- Landlord-ready
- No email wall
- Cancel anytime
Everything you'd
hate to replace.
Your laptop, your bike, your closet, your everything. One plan, five limits, no add-on maze to get the essentials.
Your contents, covered
Laptop, bike, clothes, the desk setup you saved for — protected against fire, theft, water and more, at home or on the go.
$15KPersonal liability
If someone's hurt in your place or you damage the building, we've got the legal and repair bills.
$1MMedical payments to others
Immediate cover for a guest's medical bills after an accident at your place.
$10KProperty damage liability
Up to $100,000 if your accident cracks a landlord's tile or dents a neighbour's wall.
$100KSpecial animal liability
Because your pet loves guests. Sometimes a little too enthusiastically.
Pet-safeSelected limits and conditions apply. Full details in your policy wording.
See sample policyCheaper than
replacing a laptop.
Same price, wherever you rent.
Price assumes $5K of personal property and $0 deductible. Check yours in a few easy steps.
Average time to get a price
Extra for a low credit score
Coverage limits in every plan
$19.28/mo
- $1M Liability
- $5K Personal Property
- $0 Deductible
- Instant Proof of Insurance
Pick a plan in about 90 seconds.
Tell us about your place
Province, home type, and how much stuff you'd want to replace. That's it.
Choose your cover
Four plans, one fair price each. Move the amount, watch the price update.
Get covered instantly
Instant proof of insurance for your landlord — straight to your inbox.
See your price in real time.
No email wall, no credit check. Move your personal-property amount and the price updates live. When it looks right, jump to the summary and start your plan.
- No credit check, ever
- Same price whatever your score
- Cancel online anytime
What's your plan?
Not a product grid. A question. Everyone has plans — tenant cover is just the part that keeps them moving.
Med school. And a dog eventually.
Justin, 19 · Waterloo
Split the rent. Not the plan.
Sean + 2 · Vancouver
Stop living with three roommates.
Kia, 22 · Montréal
Buy something with stairs.
Tayo & Jas · Ottawa
Pay off my student loan.
Lily, 20 · Toronto
Start something.
The Bathurst St. 4 · Calgary
Life gets messy.
Your plan doesn't.
Fires, floods, break-ins, the dog and the delivery driver. The bad days are exactly the ones a plan is for — and the reason your bank account stays whole.
Insurance that acts
like it wants you here.
No credit check
Your rate has nothing to do with your credit score. Full stop.
Exclusive Pricing For Students
Exclusive pricing designed to make protection more affordable while you focus on your life plans.
Landlord-ready
Instant certificates and additional-insured requests, done in a tap.
Flexible
Plans change — adjust or cancel whenever yours does.
Frequently asked.
Still curious? Reach our team any day of the week.
Tenant (or renters) insurance protects your belongings and covers your personal liability while you rent. Your landlord's policy covers the building — not your stuff or your responsibility if someone's hurt or you cause damage.
Our packages start at $18/month (Studio) and top out at $23.03/month (Signature). Everyone pays the same fair price regardless of province or home type — your cost just depends on how much personal property coverage you choose. Use the instant estimate above to see yours.
No. Roommates typically need their own separate policies. This ensures each person's belongings and liability are properly covered and helps avoid disputes if a claim needs to be made.
Yes. Your landlord's insurance covers the building itself, not your personal belongings or liability. If there's a fire, flood, or break-in, their policy won't replace your furniture, electronics, or clothing. Tenant insurance covers what's yours.
Generally, yes. All you have to do is change your address to the new one by contacting the insurer.
Anytime, in a couple of taps. No phone-tree gauntlet. If you paid annually, you're refunded for the unused portion.
Walnut Insurance is a licensed tenant insurance broker in Canada. Tenant insurance policies offered through IHAP are underwritten by Trisura. We’ve partnered with Walnut to provide a fast and convenient way for you to get tenant insurance directly through the IHAP platform.
Whatever the plan,
have one.
Tenant cover in about 90 seconds. No credit check. Student-exclusive pricing from $18 a month.