Property & Rentals

Student Housing Insurance in Ontario

Higher turnover, higher wear, matched coverage.

Student rentals run harder than standard tenancies: more occupants per unit, annual turnover, and party-related liability — insurers rate the class distinctly, and many decline it outright, making broker access the practical difference.

We place student rental properties with insurers who write the class knowingly, near campuses across Ontario.

What the package includes

Commercial property coverage for your premises and leasehold improvements
Commercial general liability (CGL) for third-party injury and property damage
Rental income coverage
Occupancy wording rated for student tenancies
Equipment breakdown for essential machinery and systems

Good to know

Frequently asked questions

Why did my insurer non-renew when they learned tenants were students?: Some mainstream markets simply avoid the class — it's about their appetite, not your property. Specialist markets write student housing on purpose; we move portfolios like this routinely.
How much does student housing insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get student housing insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Frequently asked questions

Why did my insurer non-renew when they learned tenants were students?

Some mainstream markets simply avoid the class — it's about their appetite, not your property. Specialist markets write student housing on purpose; we move portfolios like this routinely.

How much does student housing insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get student housing insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.