Rented Home Insurance
Tenants.
Your mortgage.
Their risk.
Covered.
Get your instant price - brokers on demand, no phone calls required
Takes 4 minutes · Licensed Canadian broker
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Faster than making coffee
Step 1 of 4 · Your home
What type of home are you insuring?
Step 2 of 4 · Your address
Where is the home located?
Step 3 of 4 · Your coverage
Choose your protection level
✓ Your quote is ready
Monthly Premium
$87/mo
Comprehensive · 2,100 sqft · Calgary, AB
Get covered now →What actually gets covered?
Pick a real scenario. See exactly what insurely pays — and what you'd owe without us.
Kitchen fire destroys rental unit — tenants displaced
$145,000
STRUCTURE REPAIR + LOST RENT · ALBERTA AVERAGE
Structural damage averages $120,000–$180,000. Add lost rental income during the 4–6 month repair window.
Insurely could cover
- ✓Dwelling rebuilt at replacement cost
- ✓Detached structures at 10%
- ✓Fair rental value — 20% of dwelling during repairs
- ✓Debris removal and tear-out included
- ✗Tenant vandalism excluded — buy-back available
insurely covers: structure + lost rental income during the full repair window.
Read our privacy policy here, and our terms and conditions here.
What's in every policy
No asterisks. No "available on select plans." This is what you get.
Dwelling — replacement cost
$250,000 to $1,200,000. Walls, roof, structure — rebuilt at today's costs with roof limitation.
Always included
Landlord contents
$10,000 standard (buy-up to $100,000). Appliances and fixtures you supply, at actual cash value.
Always included
Water damage
All water losses included (min. $2,500 deductible). Sewer backup up to $50,000 with $10,000 deductible.
Always included
Service line coverage
$10,000 for underground pipes, cables and service lines — coverage most policies miss.
Always included
Detached private structures
10% of dwelling. Garage, fence, shed — all on the same policy.
Always included
Fair rental value
20% of dwelling. Lost rent is covered while the home is uninhabitable during repairs.
Always includedPremises liability — up to $3M
Tenant gets hurt, slip-and-fall, property dispute. Legal costs and damages covered up to $3M.
Always included
Earthquake coverage (BC & ON)
Optional — covers dwelling, structures and contents. BC: 15%, ON: 10% deductible.
Optional upgradeInsurely vs. the old way
We're just better. Our 5 Star Google reviews say it all.
| Feature | insurely | Big banks | Brokers |
|---|---|---|---|
| Time to get a quote | 4 minutes online | Days–weeks | Multiple calls |
| File a claim online, 24/7 | ✓ Always available | ✗ Phone only | ✗ Office hours |
| Cancel anytime, no fee | ✓ No penalty ever | Fees may apply | Fees may apply |
| Plain language policy | ✓ Always | ✗ Legal jargon | ✗ Legal jargon |
| Starting monthly cost | From ~$67/month | ~$95/month | ~$112/month |
| Office Headquarters | ✓ Canadian-based | ✓ | Varies |
Three plans. No surprises.
Your exact price is in your quote. These are real averages — not bait-and-switch teaser rates.
Essential
Core rental protection
Average for a Calgary rental home
- ✓Dwelling $250,000
- ✓10% detached structures
- ✓Landlord contents $10,000
- ✓Personal liability $1M
Comprehensive
Full landlord protection
Average for a Calgary rental home
- ✓Everything in Essential
- ✓Dwelling up to $800,000
- ✓Fair rental value included
- ✓Sewer backup coverage
- ✓Premises liability $3M
Premium
Maximum protection
Dwellings up to $1.2M
- ✓Everything in Comprehensive
- ✓Dwelling to $1,200,000
- ✓Contents buy-up to $100,000
- ✓Earthquake (BC & ON)
- ✓Overland water coverage
Prices are averages. Your exact quote takes 4 minutes and zero commitment.
When it matters most.
Filing a claim should be the easiest part of a terrible situation. We made sure it is.
One call or online form. One claims liaison who picks up your case and stays on it. Payment directly to your account. No voicemail mazes, no 6-week waits, no being transferred to someone who doesn't know your file.
File online or call — any time, 24/7
Takes about 10 minutes. No paperwork to print or fax.
Your claims liaison is assigned
One person, your file, start to finish. Not a call centre.
Assessment & approval
Fast-track for straightforward claims. Transparent timeline.
Direct deposit to your account
No cheque, no waiting at the mailbox.
600+ Google reviews. ★★★★★
Already insured? Switch in under 10 minutes.
No waiting for renewal. We handle the paperwork. Zero gap in coverage — your new policy starts the moment you accept.
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Pocket the savings every single month
The questions everyone asks.
Building structure, contents, personal liability up to $1M, and additional living expenses if your home is uninhabitable. Water damage, fire, theft, and storm are all standard. Overland flooding is an available add-on — especially important in Alberta where hail and flooding are common.
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