Home and Tenant Insurance in Canada
Home, condo and tenant coverage and the gaps that cause denied claims.
Home and tenant insurance protect your belongings, your building and your liability, but the gaps — especially around water damage and rentals — are where claims get denied. This hub is for homeowners, condo owners and renters.
Start with the coverage gaps guide, which walks through dwelling, contents, liability, water and rental exclusions. Policy terms come from insurers' own wording with the date checked.
Landlords should also read the landlords hub in Real Estate for the tax side of a rental.
What this hub helps you decide:
- What does my home or tenant policy not cover?
- Am I covered for water damage?
- How much liability coverage do I need?
- What changes if I rent out my place?
Updated November 2026 · 1 guide by Andrew
Start here
New to insurance? Read the overview first: Canadian Insurance Planning Guide: What to Buy, in What Order.
All Home & Tenant Insurance guides
Home and Tenant Insurance Gaps: Dwelling, Liability, Water, and Rentals
Replacement cost, a stated rebuild limit, sewer backup, and a short-term rental are where Canadian property policies quietly stop. Landlord and tenant policies do not cover each other.