Do you have insurance for your belongings? You are responsible, under your lease, for getting insurance for your belongings. This type of insurance is usually called contents insurance or renters' insurance.

Toronto Community Housing's insurance will not pay to replace your belongings if something such as fire, flood, or other emergency damages your unit.

If some or all of your income is from Ontario Works or the Ontario Disability Support Program, these programs may cover the cost of contents insurance. You need to speak with your case worker for more information.

What is covered under renters' insurance?

A general renters' policy will cover contents coverage as well as liability. Content coverage insurance offers you confidence that your personal belongings are covered in the event of fire, theft or other accidental damage. Liability coverage would cover you for any damage you cause to any part of your building and for unintentional harm caused to others who live in or visit the property.

What will insurance do?

If your unit is damaged by flood, fire or any other incident, insurance can help you pay to replace your belongings. It may also cover legal costs associated with a claim that you were found responsible for, which can include but not limited to kitchen fires, dog bites, and etc. It may also help pay for legal costs if your actions cause a fire for example. It may also cover the cost of a hotel stay or a replacement unit if you have to leave your unit for a period of time because of the damage or the emergency.

What happens when you do not maintain tenant's insurance?

If you do not have a tenants' policy, there will be no coverage for contents. As well, if you are found responsible in causing damage to the property or an injury to another person, you may be responsible for any and all legal costs, including potential settlements or court judgment costs.

Affordable insurance

Marsh Canada provides insurance designed for tenants who live in social housing. You can get information about rates and coverage at or by calling 1-866-940-5111.

If you have questions about what kind of insurance is right for you, call the insurance Bureau of Canada at 416-362-9528, Monday to Friday from 8 a.m. to 5 p.m.