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Get protection for your rental property.
Landlord insurance, clarified
How do I buy landlord insurance from Onlia?
Once you have a home insurance policy, you can purchase a second policy for your rental property. Sign into your account to add a second home — Onlia makes it so easy, you can do it right from your phone.
Don’t have home insurance with Onlia? Click here to get your home quote now.
 
How does landlord insurance help me?
Being a landlord can be stressful because you’re not always on site at your property. Having insurance gives you peace of mind that your property is protected, even when someone else is living in it.
Do I need landlord insurance?
Landlord insurance isn’t mandatory in Ontario, but most lenders require it if you have a mortgage. It's a good idea to opt for landlord insurance since it offers peace of mind if an unexpected incident occurs.
What’s the difference between landlord and tenant insurance?
The difference between the two is simple; landlord insurance covers your rental property, third-party bodily injury, physical damage and repairs, as well as any loss of net rental income. Tenant insurance covers their contents that they bring with them to the unit. For example, if a grease fire ruins the stove and wall, and takes a small flat-screen TV with it, the landlord’s insurance will cover the appliance, repairs and cleanup, while the tenant’s insurance will cover the TV and provide temporary lodgings for them.
Why choose Onlia Insurance?
Always online
Get a quote, buy insurance, and manage your policy online 24/7. Easy-to-read policies make handling your own insurance a breeze.
Coverage for your property
When you rent out your home or a unit in your building, we have the coverage you need. Protect your home and what’s in it with a landlord policy made just for you.
Flexible policies
Adjust your coverage, add a driver, change to long-term parking, or bundle your insurance through My Accountany time. On demand changes, no paperwork or phone calls required.
Sign into your account
Privacy is our priority
We’ll keep you safe on and offline. Personal and sensitive information is always encrypted, stored, and transmitted securely.
Read our privacy notice
A trusted provider
We’re backed by Fairfax Financial and Achmea, so we have the resources to make insurance simple. Like other trusted companies, we’re regulated by FSRA.
Read more about us
Add more, save more
Save 15% on car insurance and 20% on home when you bundle, and an additional 20% when you add more than one car to your policy.
See Onlia's discounts
Landlord coverages that keep you protected
Landlord insurance, also referred to as rental insurance, provides coverage for individuals who rent out their properties to tenants.
Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.
Coverage for your property, like appliances if they’re stolen or damaged at the rental home or condo.
Legal protection if you’re sued due to someone else's injury or damage that occurs at your property.
We ensure any additions to a home, such as a basem*nt apartment, or detached structures like pool houses, are included in coverage.
If you have any personal property that you own in an apartment or home you’re renting out, we’ll cover it.
Comprehensive overland water protection, covering flooding and sewer backup is available for some homes.
Want more protection for valuables like bicycles, jewellery, or artwork? We cover up to $2,500.
In case your property is inhabitable due to an insured peril, we cover the net loss of rental income.
Need help with a legal matter? We’ll refer you to a preferred legal counsel who specializes in your situation.
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Making a claim can be stressful, but it doesn't have to be
With the Onlia Insurance app you can start a claim for your rental property whenever (and wherever) you need to.
Enter information like the location of the incident, photos, and any applicable information – we’ll collect all the details we need to get your claim started. Once you submit your report, a member of our claims team will be in touch within 24 hours – it’s that easy.
You can download the app from the App Store, as well as Google Play.
Bundle your car and home insurance policies with Onlia to save 20% on car and 15% on home coverage.
