The HSC Tenant Insurance Program offers various coverage options to fit your needs.
On this page:
Coverage Options
The HSC Tenant Insurance Program offers two coverage options:
Option 1 | Option 2 |
|---|---|
$10,000 of personal possessions | $20,000 of personal possessions |
Up to $2,000 for additional living expenses (if your residence can’t be lived in following an insured loss) | Up to $4,000 for additional living expenses (if you residence can’t be lived in following an insured loss) |
$500 deductible per occurrence | $500 deductible per occurrence |
Up to $500,000 legal defense and settlement costs if you are sued as a result of a negligent act or omission on your part. There is no deductible for liability claims. | Up to $1,000,000 legal defense and settlement costs if you are sued as a result of a negligent act or omission on your part. There is no deductible for liability claims. |
You can also call Marsh’s Private Client Services at 1-866-940-5111 to apply by phone.
Payment Options
You can pay month-to-month or annually by direct debit (bank withdrawal) or credit card. The downpayment (listed below) is withdrawn within 7 days of signing up. And then once the policy comes into effect, you are billed on the 1st of the month.
Please note that personal cheques, money orders, government payments or cash payments are not accepted.
| Coverage Option | Total Cost (single annual payment, all tax and fees included) | Monthly Cost |
| Option 1 | $269.56 | $44.93 down payment, then $22.46 /monthly |
| Option 2 | $351.62 | $58.60 down payment then $29.30 /monthly |
| Coverage Option | Total Cost (single annual payment, all fees included) | Monthly Cost |
| Option 1 | $251.45 | $41.91 down payment, then $20.95 /monthly |
| Option 2 | $327.43 | $54.57 down payment, then $27.28 /monthly |
| Coverage Option | Total Cost (single annual payment, all fees included) | Monthly Cost |
| Option 1 | $266.53 | $44.42 downpayment, then $22.21 /monthly |
| Option 2 | $347.07 | $57.85 downpayment, then $28.92 /monthly |
| Coverage Option | Total Cost (single annual payment, all fees included) | Monthly Cost |
| Option 1 | $251.45 | $41.91 down payment, then $20.95 /monthly |
| Option 2 | $327.43 | $54.57 down payment, then $27.28 /monthly |
You can also call Marsh’s Private Client Services at 1-866-940-5111 to apply by phone.
Information Required
Have the following information handy when you’re ready to apply:
- Your current mailing address
- The full address where you’ll be using the insurance (if different)
- The coverage option you’ve selected
- Payment details (your credit card number or bank account number)
Your bank account number can be found on your personal cheques in the location below. If you do not have access to personal cheques, please contact your local branch to request your Account Number, Transit Number and Financial Institution Number.
You can also call Marsh’s Private Client Services at 1-866-940-5111 to apply by phone.
After You Apply
Once your payment clears, you’ll get your insurance certificate by email or in the mail, if you request it. Some landlords may ask to see this as proof of your insurance. Store it in a safe place in case you need to make a claim.
If you live in a building where tenant insurance is mandatory, you’ll need to renew your coverage every year and may need to show the new certificate to your landlord. Don’t worry – you’ll be sent notice in advance.
Finally, keep receipts and records (make, model, where and when purchased and the price) of your purchased belongings, particularly more expensive items. In the event of a disaster, photographs are also very helpful in proving your claim. Marsh Canada offers some helpful tips on creating an inventory of your belongings.
Missed payments
Please note that the downpayment will be withdrawn from your bank account within 7 days of signing up. After that, the withdrawal date is always the 1st of the month.
If a payment does not clear, you will receive letter via email/mail stating that the another withdrawal attempt will occur. An NSF fee of $10 will be added to this payment. If this payment does not go through, you will receive a notice of cancellation.
Still have questions? Call Marsh’s Private Client Services at 1-866-940-5111.