PROTECTION THAT FITS
Local experts. Real support.
Our Ottawa-based brokers take the time to understand your needs—whether you live in a house, condo, apartment, or mobile home. We offer protection for your building, belongings, and liability, with options that cover theft or property damage, fire and natural disasters, plumbing or structural issues, and special belongings or high-value items.
PROTECTION THAT FITS
Why choose Rowat Insurance?
Landlords typically insure the building, but not your belongings or living expenses. That’s where we come in. At Rowat Insurance, we specialize in finding comprehensive, affordable tenant insurance policies that fit your needs. We’ll compare options from top insurers, provide a personalized quote, and guide you every step of the way.
PROTECTION THAT FITS
Why choose Rowat Insurance?
Landlords typically insure the building, but not your belongings or living expenses. That’s where we come in. At Rowat Insurance, we specialize in finding comprehensive, affordable tenant insurance policies that fit your needs. We’ll compare options from top insurers, provide a personalized quote, and guide you every step of the way.
PROTECTION THAT FITS
Why choose Rowat Insurance?
Landlords typically insure the building, but not your belongings or living expenses. That’s where we come in. At Rowat Insurance, we specialize in finding comprehensive, affordable tenant insurance policies that fit your needs. We’ll compare options from top insurers, provide a personalized quote, and guide you every step of the way.
TENANT INSURANCE
Need reliable tenant insurance?
Tenant insurance in Ottawa is a smart, affordable way to gain peace of mind and protect yourself financially against unexpected events like theft, fire, or water damage.
"Always friendly personal service when I call. I never get passed on to a bunch of people. I will stick with them for all my insurance needs."
PROTECTION THAT FITS
Why choose Rowat Insurance?
Landlords typically insure the building, but not your belongings or living expenses. That’s where we come in. At Rowat Insurance, we specialize in finding comprehensive, affordable tenant insurance policies that fit your needs. We’ll compare options from top insurers, provide a personalized quote, and guide you every step of the way.
OUR SIMPLE PROCESS
What Is tenant insurance?
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability. Here’s what it includes:
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability.
OUR SIMPLE PROCESS
What Is tenant insurance?
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability. Here’s what it includes:
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability.
OUR SIMPLE PROCESS
What Is tenant insurance?
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability. Here’s what it includes:
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability.
OUR SIMPLE PROCESS
What Is tenant insurance?
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability. Here’s what it includes:
Tenant insurance provides essential coverage for renters, protecting both your belongings and your liability.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease agreement. It protects you and adds an extra layer of security for your landlord.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease agreement. It protects you and adds an extra layer of security for your landlord.
Peace of mind
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
Peace of mind
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease agreement. It protects you and adds an extra layer of security for your landlord.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease agreement. It protects you and adds an extra layer of security for your landlord.
Peace of mind
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
Peace of mind
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Personal property protection
Covers your furniture, electronics, clothing, and other valuables in case of theft, fire, water damage, or vandalism—whether you're in a house, condo, or apartment.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Liability protection
Protects you financially if someone is injured in your rental unit or if you accidentally cause damage to the property. This can help cover legal fees and settlement costs.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Temporary living expenses
If your rental becomes uninhabitable due to a covered incident, tenant insurance can help pay for hotel stays, meals, and other daily costs while repairs are made.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease. It protects you and adds an extra layer of security for your landlord.
Landlord requirements
Although not legally required in Ottawa, many landlords ask tenants to carry insurance as part of the lease agreement. It protects you and adds an extra layer of security for your landlord.
Peace of mind
Tenant insurance is a small investment that offers big reassurance. It shields you from unexpected financial burdens and helps you stay protected in life’s unpredictable moments.
Peace of mind
We give you a personalized policy that balances protection and affordability—feel secure, without overpaying.
WHAT WE OFFER
WHAT WE OFFER
Coverage types
At Rowat Insurance, we offer a full range of home insurance coverages designed to protect every part of your property.
WHAT WE OFFER
Coverage types
Understand your need for tenant insurance with some of the main areas it covers.
Personal property protection
Tenant insurance covers the things that matter most—your furniture, electronics, clothing, and more. It doesn’t insure the building itself, but it does protect everything inside your rented space from unexpected events like theft, fire, or water damage.
Liability coverage
If someone is injured in your unit or you accidentally cause damage to the property, tenant insurance helps cover legal fees and damages. It's an essential financial safety net in today’s litigious world.
Loss of use coverage
If your rental becomes unlivable due to a covered incident, tenant insurance can help cover the cost of temporary accommodations and daily expenses while repairs are underway.
Customized coverage options
Every renter’s needs are different. Whether you're in a downtown condo or a suburban townhouse, you can tailor your policy to match your lifestyle—whether you own a few essentials or a home full of high-value items.
WHAT WE OFFER
Coverage types
Understand your need for tenant insurance with some of the main areas it covers.
Personal property protection
Tenant insurance covers the things that matter most—your furniture, electronics, clothing, and more. It doesn’t insure the building itself, but it does protect everything inside your rented space from unexpected events like theft, fire, or water damage.
Liability coverage
If someone is injured in your unit or you accidentally cause damage to the property, tenant insurance helps cover legal fees and damages. It's an essential financial safety net in today’s litigious world.
Loss of use coverage
If your rental becomes unlivable due to a covered incident, tenant insurance can help cover the cost of temporary accommodations and daily expenses while repairs are underway.
Customized coverage options
Every renter’s needs are different. Whether you're in a downtown condo or a suburban townhouse, you can tailor your policy to match your lifestyle—whether you own a few essentials or a home full of high-value items.
WHAT WE OFFER
Coverage types
Understand your need for tenant insurance with some of the main areas it covers.
Personal property protection
Tenant insurance covers the things that matter most—your furniture, electronics, clothing, and more. It doesn’t insure the building itself, but it does protect everything inside your rented space from unexpected events like theft, fire, or water damage.
Liability coverage
If someone is injured in your unit or you accidentally cause damage to the property, tenant insurance helps cover legal fees and damages. It's an essential financial safety net in today’s litigious world.
Loss of use coverage
If your rental becomes unlivable due to a covered incident, tenant insurance can help cover the cost of temporary accommodations and daily expenses while repairs are underway.
Customized coverage options
Every renter’s needs are different. Whether you're in a downtown condo or a suburban townhouse, you can tailor your policy to match your lifestyle—whether you own a few essentials or a home full of high-value items.
WHAT WE OFFER
Coverage types
Understand your need for tenant insurance with some of the main areas it covers.
Personal property protection
Tenant insurance covers the things that matter most—your furniture, electronics, clothing, and more. It doesn’t insure the building itself, but it does protect everything inside your rented space from unexpected events like theft, fire, or water damage.
Liability coverage
If someone is injured in your unit or you accidentally cause damage to the property, tenant insurance helps cover legal fees and damages. It's an essential financial safety net in today’s litigious world.
Loss of use coverage
If your rental becomes unlivable due to a covered incident, tenant insurance can help cover the cost of temporary accommodations and daily expenses while repairs are underway.
Customized coverage options
Every renter’s needs are different. Whether you're in a downtown condo or a suburban townhouse, you can tailor your policy to match your lifestyle—whether you own a few essentials or a home full of high-value items.
FAQs
FAQs
FAQs
FAQs
Answering your questions
Find answers
Got more questions? Send us a message below.
Got more questions?
Send us a message below.
Got more questions? Send us a message below.
Got more questions?
Send us a message below.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to an insured event.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to an insured event.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to an insured event.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
Is home insurance required in Ontario?
Home insurance isn't legally required in Ontario, but mortgage lenders typically require it before approving a loan.
What does standard home insurance in Ontario cover?
It usually includes coverage for your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to an insured event.
What risks are not covered under basic policies?
Standard policies often exclude overland flooding, sewer backups, earthquakes, and maintenance-related damage. You can add optional endorsements for these.
How are premiums calculated in Ontario?
Factors include your postal code, home value, type and age of your home, construction materials, claims history, and deductible amount.
Can I get insurance for valuables like jewelry or collectibles?
Not always. Standard home insurance often excludes business-related risks, so it’s important to get a separate policy or a home business endorsement.
Does home insurance cover basement flooding in Ontario?
Only if you have added overland water and sewer backup protection. These are optional and must be requested.
What’s the difference between homeowners, renters, and condo insurance?
Homeowners insurance covers the structure, contents, and liability. Renters insurance covers contents and personal liability. Condo insurance covers your unit, upgrades, contents, and liability, supplementing the condo corporation’s policy.
How do I file a home insurance claim in Ontario?
Contact your broker or insurer ASAP, take photos, document losses, and keep receipts for expenses. Your insurer will guide you through the process.
Can I run a business from home and still be covered?
Standard policies don’t usually cover home businesses. You’ll likely need a business insurance endorsement or a separate policy.
How can I reduce my premium in Ontario?
Bundling home and auto insurance, increasing your deductible, installing security systems, and avoiding frequent claims can help lower your premium.
GET A QUOTE
GET A QUOTE
Let’s protect your
space together
Let’s protect your
space together
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Reach out to Rowat Insurance to speak with a broker or request a quote online. We’re here to support your success.
Proudly protecting Canadian families, homes, and businesses—Rowat Insurance is here when you need us most. Contact us today!
Ottawa East
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
Ottawa West
Mon-Fri 9:00am-5:00pm
Sat-Sun Closed
