Protect yourself and your belongings with Tenant Insurance

As a tenant, you are responsible and could be sued for unintentional harm you or your family or guests cause to any part of the building and others who live or visit there. Your rental agreement makes you responsible to your landlord for accidental damage to any part of the building.

Your belongings are not covered under your landlord's insurance policy. The contents of your residence—your furniture, electronics, clothing and other valuable items—are only protected when you purchase a tenant insurance policy. Damage can be caused by something accidental, like the bathtub overflowing or a toaster fire that spreads. You may also experience out-of-pocket expenses if you can't live in your apartment after a fire or other unforeseen event.

Tenants Insurance is a relatively inexpensive coverage but could make a big difference in your ability to replace your valuable belongings after a loss.

Policies start as little as $194/year for Named Perils coverage and $238/year for Broad Form coverage, including sewer back-up.

• A variety of coverage limits with a $1,000 deductible
• We offer three coverage options for Tenants Insurance: 

  Named Perils

  Specifically names the perils included in the coverage (i.e. fire or lightning, smoke, vandalism, theft, and windstorm)
  Least expensive of the options and provides you with basic coverage, including liability

  Broad Form

  Insures you against All Risks subject to the exclusions and conditions of the policy
  Includes the coverage of the Named Perils option, plus accidental-type occurrences and damage by household pets

  Broad Form including sewer back-up

  All the benefits of the Broad Form selection, plus covers backing of or escape of water from a sewer or drain
  Replacement cost on contents from $10,000 to $100,000

• Additional living expense coverage from $2,000-$30,000
• Up to $2,000,000 Liability Coverage

This program is offered by Cowan Insurance Group exclusively to the tenants of Equiton Living.

• Payment is required in full and by credit card only
• An email address to receive the policy
• Claim history: no more than three claims in the past five years
• Previous insurance is not required

• Self-employed individuals or those who operate a business from their residence
• Any residence where more than three unrelated individuals are living together
• Tenants under the age of 18
• Tenants who regularly occupy any other dwelling, such as a cottage or seasonal dwelling, camp, or condominium
• Tenants who own watercraft (unless application questions properly limit to under 8 meters and $1,000)

Those who do not qualify can call 905-523-8400 or email tenants@cowangroup.ca for quotes/coverage outside the Tenant Insurance program.

You can get a quote and purchase tenant insurance in a matter of minutes. The final step in the process is online payment and activation. We will collect your credit card information and process your payment instantly. As long as that payment is successful, your insurance can be activated as soon as 12:01 a.m. the next day.

Your coverage will be in force for one year from the date it is activated. An email will be sent to you at renewal time, and you can log into our website to review your coverage and apply a payment to renew.

To cancel your insurance policy, please contact:

Cowan Insurance Group
tenants@cowangroup.ca

The following insurance companies offer comprehensive solutions that include specific offerings for tenants: Echelon Insurance, Gore Mutual, Intact Insurance, and Wawanesa insurance.

To begin the claim process, complete the online form, and a claims agent will contact you.