Tenant insurance, actually enforced
MoveSmart enforces the tenant insurance clause at lease signing, collects proof of coverage, and routes applicants to vetted insurance partners if they need a policy. No more lease clauses that exist only on paper.
Coordination is included with the full Leasing Services engagement — you don’t pay extra for it.
Three things every renter’s policy should do
We help applicants pick coverage that actually meets the lease requirement — not a $5 add-on that leaves everyone exposed.
Your stuff
Contents coverage
Peace of mind
Personal liability
A backup plan
Additional living expenses
A friendly tour of the fine print
Contents inside the unit
Furniture, electronics, clothing and the everyday things you own — replaced if they are damaged, stolen, or destroyed by a covered loss.
Personal liability ($1M–$2M)
If a guest is injured in your unit, or you accidentally cause damage that affects another suite, your liability coverage steps in.
Additional living expenses
If the unit becomes unliveable after a covered loss, the policy can pay for a hotel, meals, and the cost of staying somewhere else.
Optional add-ons
Identity theft assistance, higher single-item limits for jewellery or bikes, and overland water in flood-exposed neighbourhoods.
What goes wrong when tenant insurance is optional
Clauses that never get enforced
Many leases require tenant insurance, but fewer than half of owners actually collect proof. The clause becomes decorative.
Condo boards chase the landlord
When a tenant floods the unit below, the condo corporation chargeback hits the landlord - whose insurance deductible then spikes for years.
Liability exposure on shared systems
In multi-unit buildings, a tenant-caused fire or leak can generate claims far beyond the tenant's ability to pay - unless they carry adequate liability coverage.
Tenants buy the wrong product or none at all
Without guidance, tenants pick minimum-deductible policies that do not actually cover the risks the lease is worried about.
How MoveSmart coordinates tenant insurance
Tenant insurance is treated as a gating requirement at lease signing, not an afterthought. We enforce the clause, collect the policy, and verify the coverage matches what the lease asks for.
- 01
Clause drafted into lease
Tenant insurance requirement and minimum coverage amount written into the rider.
- 02
Applicant informed
At offer acceptance, applicant is told proof of insurance is required before keys.
- 03
Partner routing (if needed)
Applicants without a policy are routed to partner providers with a quote flow.
- 04
Certificate collected
Certificate of insurance uploaded to the portal before key handover.
- 05
Coverage verified
Coverage type, liability amount, and effective dates checked against lease requirements.
- 06
Renewal tracking
Policy expiry tracked; tenant reminded in advance of renewal.
Built for the landlords who actually collect the certificate
Condo landlords
Owners in condo corporations where tenant insurance is mandated by the declaration and board.
Multi-unit building owners
Owners whose liability exposure from one tenant can affect the entire building.
Individual landlords
Single-unit owners who want the lease clause to mean something on day one.
Coordination is included in the full Leasing Services engagement. Tenant insurance premiums are paid by the tenant directly to the insurance provider.
*Starting premium varies by partner provider, deductible and unit type. MoveSmart Rentals is not a licensed insurance broker; we coordinate proof-of-coverage and route applicants to vetted Canadian partner providers.
Frequently Asked
Questions about Tenant Insurance
Other services in the leasing engagement
Lease signed, certificate on file
List your property and we’ll enforce the tenant insurance clause from day one — coverage verified, proof collected, renewal tracked.