Can I Require Tenants To Have Renter’s Insurance?

Landlords in Ontario cannot legally force tenants to buy renters’ insurance, but they can strongly recommend it and include expectations in the lease.

The Legal Position
Under Ontario’s , landlords cannot make renters’ insurance a strict legal requirement of tenancy. Unlike last month’s rent deposits or rent payments, insurance obligations are not enforceable by law.

That said, landlords can recommend and encourage tenants to carry renters’ insurance (also called tenant insurance). Many standard lease templates include a section where tenants are asked to acknowledge this recommendation.

Why This Matters

• Protects tenant belongings: Covers loss or damage to personal items from fire, theft, or water damage.
• Provides liability coverage: If a tenant accidentally causes damage (e.g., leaving a tap running) it may cover repair costs.
• Reduces disputes: Tenants with coverage are less likely to seek compensation from the landlord after a loss.

Best Practices for Landlords

• Include a clause in the lease: State that tenants are expected (but not legally required) to carry renter’s insurance.
• Explain the benefits: Position it as protection for both the tenant and the landlord.
• Confirm acknowledgment: Ask tenants to initial the clause to show they understand the recommendation.

The Fox Marin Team supports Toronto landlords with fair, compliant lease agreements that protect investments and encourage positive tenant relations.

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