Compare and purchase the best tenant insurance rates in Winnipeg.
Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
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 Winnipeg
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.
Comparing rates from Canada's leading Insurance Providers
Surex can help you find cheap tenant insurance in Winnipeg
Winnipeg, often called the "Gateway to the West," is a major railway and transportation hub with a diverse economy. This vibrant multicultural city hosts numerous annual events, such as the Festival du Voyageur, Winnipeg Folk Festival, Jazz Winnipeg Festival, Winnipeg Fringe Theatre Festival, and Folklorama. Ranked as the third most livable city in Canada and the top choice for raising a family, Winnipeg remains a key commercial, transportation, and cultural center. Its rich diversity is shaped by people from around the world who have made the city their home. Winnipeg also has the largest Indigenous population in Canada.
If you’re looking for a rental property, like an apartment or detached home, Winnipeg has no shortage of options. However, renters should note that tenant insurance can be rather pricey in Winnipeg — unless you team up with a Surex insurance advisor. A quick chat with a Surex insurance advisor can lead to substantial savings on tenant insurance in Winnipeg.
Tenant insurance in Winnipeg - What You Need to Know
When it comes to the best tenant insurance in Winnipeg, policies generally hover around the $20 to $50 range. Since there’s no minimum coverage requirement, you can get insurance online at a lower rate in Winnipeg by purchasing only the coverage you need.
A licensed insurance advisor can offer tenant insurance in Winnipeg. If you contact the broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
Tenant insurance in Winnipeg (also called renters’ insurance) is meant for people who rent the place where they live, whether home, condo, or apartment. It provides the best insurance coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Tenant insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter.
No, tenant insurance is not required by law in Winnipeg. However, many property managers won’t lease their unit without tenant insurance coverage in place.
Tenant insurance in Winnipeg generally covers three main things:
Contents
If your belongings are damaged or stolen while in your rental property, tenant insurance in Winnipeg will help cover the cost of replacement or repair.
This is among the most important aspects of tenant 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 in Winnipeg, tenant insurance 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.
For example, if you’re forced to stay at a hotel for a few weeks because your rental apartment flooded, tenant insurance in Winnipeg may help with your hotel bill along with the cost of purchasing meals.
Tenant insurance in Winnipeg 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. Your Surex broker can help you find the exact policy you need.
The cheapest and best tenant insurance in Winnipeg depends on how your situation fits into the formula companies create to evaluate policyholders. For example, one insurer might weigh your age more heavily than another. This is why it’s a good idea to compare insurance companies and online insurance quotes with the best insurance broker. The cheapest tenant insurance provider in Winnipeg isn’t always evident.
Tenant insurance in Winnipeg 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.
In Winnipeg, tenant insurance rates are 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 tenant insurance will do that for renters in Winnipeg.
You can contact your assigned insurance broker/advisor or contact the insurance company directly. Make sure you have your policy number and details of the claim prepared when you call your tenant insurance provider in Winnipeg.
The law does permit landlords to include tenant insurance coverage as a lease requirement. Many landlords in Winnipeg do so as a tenant’s insurance policy serves to reduce their overall risk. You may need tenant insurance for the rental you want.
You’ll need to provide basic information about yourself and the property you’re renting in Winnipeg, including:
- The address
- Your belongings’ cumulative value
- Who else will be occupying the rental property
Compare 10+ quotes and
speak to a dedicated advisor
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.
