Home insurance
for rental property owners

Rental property home insurance covers your civil liability and protects you in the event of damage to your building of six units or fewer.

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Advantages

Up to an additional 10% off if you have other iA Financial Group products*

Basic insurance

Rental property insurance provides civil liability coverage to protect against damages that may unintentionally be caused to others.

Here are some examples:

  • Someone slips and falls on the icy steps outside your building.
  • The railing at the entrance to your building is not securely attached, and a visitor falls.

To avoid the risk of accidents and ensure the safety of your building's users, ensure that you stay on top of regular maintenance at your property.

Specified perils coverage on the building and its contents covers the insurable perils listed on your rental property insurance policy, such as fire, theft and vandalism. The outbuildings (detached garage, shed or storage room, etc.) can also be covered.

Here are some examples of what is covered by specified perils coverage:

  • An electrical short circuit causes a fire in a tenant's kitchen, damaging a few cupboards in the dwelling.
  • A pipe bursts in your tenant's apartment and water damages the walls of the building.

All-risk coverage gives the homeowner peace of mind, covering all the perils that are not specifically excluded for the rental building.

Here are a few examples of what is covered by all-risk coverage:

  • During a move, a washing machine in the tenant's unit is accidentally dropped, breaking the ceramic tiles by the front door.
  • During renovations in the tenant's apartment, a gallon of paint falls over and ruins the living room carpet.

To be fully covered against all risks to your property, you can add additional coverage for:

  • Sewer backup
  • Water damage
  • Fuel oil leaks
  • Water main
  • Leased personal property
  • Other coverage options

Feel free to contact one of our agents for advice about coverage to meet your insurance needs!

Our home and auto insurance products are available only in the province of Quebec.

* Some conditions apply. Subject to change without notice.

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