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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 insurance quotes in St. John's
Our Reviews
I had an outstanding experience with Surex, especially thanks to my broker, Dayana. She was professional, knowledgeable, patient, and incredibly responsive throughout the entire process.
Dayana took the time to explain everything clearly, answered all my questions promptly, and help me find the best possible option for my needs.
What really stood out was her dedication and customer service, it genuinely felt like she cared about helping me, not just closing a sale. The whole experience was smooth, stress-free, and much better than I expected when dealing with insurance.
I highly recommend Surex, and especially Dayana, to anyone looking for reliable and professional service.
Thank you again for all your help!
I’m very satisfied with the service I received from Surex, especially from Dayana Nunez.
Her professionalism, attention to detail, and willingness to help made the entire process smooth and stress-free. She was always patient, clear, and very knowledgeable throughout every interaction.
Beyond her excellent service, her warm personality during our calls was truly an added value and made the experience even better. It’s not often you come across someone who combines professionalism with such a kind and positive attitude.
Highly recommended.
Erich was amazing to work with - great response time and a really fast turnaround for getting us what we needed with regards to our home insurance. Highly recommend working with Erich!
To whom it my concern. I would like to take a minute and say thankyou for the always very friendly and exceptional service i recieve from Patti Gustafson. It's always a pleasure and i'm always well informed. Koodo's to a great lady! Thankyou, Dale Goodsell.
Took less then 30 minutes when I bought a new truck and needed insurance right away to pick it up. They always respond and answer any questions in a timely matter. Would rate higher if I could, I have had 0 issues.
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Surex can help you find cheap tenant insurance in St. John's
St. John’s, located on Newfoundland Island off Canada’s Atlantic coast, is the capital of Newfoundland and Labrador and the oldest city in North America, with a rich blend of Irish and British heritage. As Canada’s most easterly city, it serves as the province’s main commercial, financial, educational, and cultural hub. St. John’s is also known for its thriving arts and cultural scene.
The city stretches from its historic urban core to encompass suburban neighborhoods, shopping centers, and industrial areas, offering the amenities of a modern, growing metropolitan area. Approximately one-third of Newfoundland's population resides in St. John’s and its surrounding region.
If you’re having a hard time finding the best tenant insurance in St. John's, the Surex team is here to lend a helping hand. At Surex, we take pride in our ability to provide the cheapest, most affordable tenant insurance quotes in St. John's. Our insurance advisors work side-by-side with the top tenant insurance companies in order to provide you with quotes that exceed your expectations.
Tenant insurance in St. John’s - What You Need to Know
Tenant insurance (also referred to as renter’s insurance) helps renters cover the cost of replacing or repairing their personal belongings in the event of an incident (i.e. fire or break-in) on the property.
No, tenant insurance is not required by law in St. John's. However, many property managers won’t lease their units without tenant insurance coverage in place.
Yes! Always consider it. If you can afford it, renters insurance is usually worth it. It will protect your belongings, provide liability coverage, and may cover your personal items when you travel. Renter's insurance protects you from a long list of perils, as well.
Yes, tenant insurance and renter’s insurance are the same. They are policies purchased by a renter to protect themselves financially.
Tenant insurance typically costs between $20 and $50 per month. The exact amount can vary, however, depending on various factors, including your location and insurance record. Some are as low as $10 a month, but typically people need more coverage than that.
Many different factors will impact the cost of your tenant insurance coverage. Here are the main ones to consider when getting a quote:
1. Property Type
2. Location
3. Personal Belongings
4. Credit Score
5. Pets
6. Living Situation
7. Insurance History
8. Applicable Discounts
Even if your landlord doesn't make tenant insurance a requirement of the lease, it's still a great idea to purchase it. Here are a few reasons.
Peace of Mind
Tenant insurance offers incredible peace of mind. If you've ever experienced loss or damage of your personal belongings, you likely know how welcome this peace of mind can be.
Without tenant insurance, you'd be entirely on your own as far as repairing or replacing damaged items, which can make an already stressful situation even worse.
You'll find this peace of mind especially helpful if an incident ever leaves your dwelling uninhabitable. As you look for an alternative housing arrangement, renter's insurance will cover the cost of temporary accommodations. Given that hotels and most other short-term arrangements aren't cheap, this can be a massive help.
Affordability
Tenant insurance provides incredible peace of mind for relatively little money. Rates dip as low as $15 per month, which is less than you'd spend on parking for a couple of hours in some parts of Vancouver!
In other words, it's a very small price to pay in exchange for knowing your personal property is protected.
Receive Coverage Out of Your Home, Too
Renter's insurance also typically includes coverage for certain items even when you're outside of your home. Depending on the policy, this may include electronics, bicycles, and other items. Renter's insurance is often much cheaper than dedicated insurance for those particular items.
Keep in mind this coverage typically won't extend to more expensive items like jewelry, which you'd want to insure separately.
Benefit from Legal Liability Insurance Coverage
Even if you don't own anything you're financially incapable of replacing, tenant's insurance offers something very valuable: liability coverage.
If a guest injures themselves at your property and attempts to hold you liable, for example, tenant insurance may shield you from the financial burden.
This is especially important if you frequently have guests over or if you have pets capable of harming someone visiting your home.
You’ll need to provide basic information about yourself and the property you’re renting, including:
- The address
- Your belongings’ cumulative value
- Who else will be occupying the rental property
At Surex, we make the tenant insurance application process remarkably easy. Fill out your information once then we'll use it to compare quotes from dozens of companies.
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Underwriting Specialist
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.
