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Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation
Recent tenant quotes in Alberta
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Our Reviews
Devansh Soni sales representative was very helpful to me showing high professional customer service especially in providing and explaining the terms of the contract and speed in responding to my emails. Thanks Devansh Soni
My agent, Devin Jeffrey, was really knowledgeable, patient, kind, and goes the exra mile to help me out. I had a really smooth and easy time when I was dealing with him. 5Stars for him.
I was very happy with the service I received from Mariam C out of Edmonton. She was very easy to talk to and to get in touch with. A very knowledgeable lady and a pleasure to deal with.
Would highly recommend!😊
I had an excellent experience with Surex, thanks to Dayana Nuñez. She was professional, knowledgeable, and incredibly patient throughout the entire process. She took the time to answer all my questions, explained my coverage options clearly, and helped me find the best solution for my needs without making me feel pressured.
One thing that really stood out was that she speaks Spanish, which made the entire experience even more comfortable and stress-free. It's a huge advantage for Spanish-speaking clients.
I highly recommend Surex, and especially Dayana, if you're looking for outstanding customer service and a smooth insurance experience.
Ashley was so lovely. It is my first time owning and registering my car for insurance. She walked me through every step of the way and helped me get the best price. She is amazing at what she does and I will be telling people to go with Surex from here on out. Thanks so much Ashley. I couldn’t have done it without you.
Alberta tenant insurance rates vs. other provinces
Alberta offers some of the most affordable insurance rates in Canada. To keep rates low, remember to update your insurance as things change in your home, have working smoke and carbon monoxide detectors, and understand your coverage, to make sure you are properly covered. Have questions or want a free quote? Contact us today!
Province |
Average Rates |
|---|---|
Alberta |
$466 |
Yukon |
$370 |
British Columbia |
$397 |
Manitoba |
$503 |
New Brunswick |
$500 |
Newfoundland & Labrador |
$399 |
Nova Scotia |
$423 |
The Northwest Territories |
$416 |
Nunavut |
$402 |
Ontario |
$478 |
Prince Edward Island |
$385 |
Tenant Insurance in Alberta
A licensed insurance advisor can offer the best tenant insurance Alberta has in store. If you contact the broker channel they can provide you with more than one option, so you can see comparables in price and coverage! We can give you peace of mind with our insurance services.
Tenant insurance in Alberta (also called renters’ insurance) is meant for people who rent the place where they live, whether home, condo, or apartment. It provides coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter. You want to be covered in case something happens to your home or your belongings.
Tenant insurance is not mandatory at the provincial level, however many property managers won’t lease their units without tenant insurance coverage in place. Renters in Alberta can expect that getting a personal insurance policy quote is a part of renting.
The following things are generally covered by the best tenant insurance Alberta:
- Contents
If your belongings are damaged or stolen while in your rental property, tenant's insurance in Alberta will help cover the cost of replacement or repair.
This is among the most important aspects of tenant's insurance since most people don’t have the money to replace thousands of dollars in lost items out-of-pocket.
- Liability
If an accident on your property causes financial harm to a third party, tenant’s insurance with personal liability coverage can help cover lawsuit and settlement costs.
For example, if a guest slips, falls, and injures themselves on a wet floor in an apartment you’re renting, your insurance policy will shield you from the financial fallout of a potential lawsuit.
- Relocation cost reimbursement
If the property you’re renting is rendered uninhabitable, tenant insurance will help shoulder the costs of relocating, and your living expenses.
For example, if you’re forced to stay at a hotel for a few weeks because your rental apartment flooded, tenant insurance may help with your hotel bill along with the cost of purchasing meals and other living expenses.
Tenant insurance in Alberta typically won’t cover replacement costs above a certain amount for extraordinarily expensive items (i.e. jewelry). To make sure you’re covered for the items that matter most to you, it’s important that you read the policy thoroughly. The best insurance broker can help you find the exact policy you need.
This depends on where you reside, the value of your total contents, your liability limits. Policies normally start at $300/yr and increase as the content values and liability limits increase.
The cheapest tenant insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. For example, some insurance companies might weigh your age more heavily than others. This is why it’s a good idea to compare insurance companies with Surex. The cheapest online insurance provider isn’t always evident.
Tenant insurance in Alberta typically renews automatically each year. You’ll receive new policy documents detailing any changes to your premium and confirming your coverage. Keep in mind that you do have the option to switch policies before your existing one renews. Your renewal period is an opportunity to get a quote for a new policy if you're unhappy with your property insurance.
Tenant insurance is rated based on the type of unit you rent, number of tenants in the unit, value of your contents, physical location of the unit, prior tenant or home claims in the past under your name.
No. If you rent the unit you live in you only require tenant insurance which is often more affordable than home insurance. You want to be properly insured, and the best tenant insurance Alberta has to offer will do that for renters.
You can contact your assigned insurance broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.
Many policies hover around the $20 to $30 range. Since there’s no minimum coverage requirement, you can achieve lower rates by purchasing only the coverage you need. Think about your personal belongings and get the policy and the coverage you need.
The law does permit landlords to include an insurance policy as a lease requirement. Many landlords do so as a tenant’s policy serves to reduce their overall risk.
You’ll need to provide basic information about yourself and the property you’re renting if you want to get insurance online over over the phone, including:
- The address
- The cumulative value of your personal property
- Who else will be occupying the rental property (you want to make sure that all renters are covered under their own policies.
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Helpful tenant insurance guides
Explore helpful guides that explain how tenant insurance works in Canada, including coverage basics, cost factors, and common policy terms.
Tenant insurance protects renters’ belongings and personal liability, filling gaps left by a landlord’s coverage and providing financial protection if unexpected events occur.
Tenant-landlord disputes often arise from unclear responsibilities. Knowing provincial laws, lease terms, and insurance roles helps avoid conflicts and resolve issues smoothly when problems occur.
Before moving out, know your legal notice obligations. This guide covers Ontario’s rules, tenant responsibilities, and tips for a hassle-free rental move.
