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Real estate and rental property insurance

Request a quote for your real estate business. We’re here to help you get the best insurance for your needs. 

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Give us your contact information, and we'll call you back within 2 business days to complete your request.

Who is this insurance for?

If you’re a landlord and you own or manage a multi-unit residential rental property or a commercial property, or you’re planning to build one, we have coverage options for your business.

Types of insurance for rental property owners

Protect your business against major financial losses from covered incidents. 

You can save by insuring multiple properties in different locations under the same policy. Bundle your property and commercial vehicle insurance with us to save even more.

Included coverages

Commercial property

Covers physical damage to your building or its contents (due to a fire, water, vehicle impact or vandalism, for example)

Equipment breakdown

Covers the sudden and accidental breakdown of electrical, mechanical and electronic equipment on the insured premises (such as an air compressor, air conditioning unit or fan)

Loss of income

Covers a loss of rental income if your property becomes uninhabitable due to a covered incident (such as fire or water damage)

Dishonesty, disappearance and destruction

Covers losses due to theft or disappearance of money (such as embezzlement by an employee)

Business liability

Covers your business against claims or lawsuits from third parties who have suffered bodily injury, property damage or other harm (such as a tenant’s visitor who accidentally falls in the stairwell of your building)

Optional coverages

  • Cyber risks: Covers losses due to a cyberattack or data breach, damage to electronic data or IT systems, and any resulting legal defence costs (for example, if a hacker steals your tenants’ personal information)
  • Water damage: Covers damage caused by a flood, water leak or sewer backup, for example
  • Earthquake: Covers damage caused by an earthquake or related ground movements like an avalanche or landslide

We insure commercial vehicles, too

See our coverage options for commercial vehicles, including trucks, pickups, SUVs and tool trailers.

Financing for your real estate business

Whether you’re a real estate developer or looking for an investment property, our team can guide you through the financing process. We’ll help you choose the best options for your business.

Support for your real estate projects from EspaceProprio

Get quick access to a network of professionals to help with all your real estate needs: 

  • Selling without an agent
  • Buying and selling with a broker
  • Turnkey service for renovation and maintenance projects

FAQ

Insurance premiums for rental properties vary based on several factors, including:

  • The property’s location
  • Its size
  • Its use

Get a business insurance quote to find out how much it could cost.

Yes. Loss of income coverage is included in this insurance and can cover lost rental income if the property becomes uninhabitable due to a covered incident, such as a fire or flood.

Here are some common exclusions in rental property insurance policies:

  • Hidden defects
  • Damage caused by normal wear and tear

Contact us or look at your policy to find out which exclusions apply in your situation.

See our other business insurance options

Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., provider of automobile, property and business insurance.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
Savings and discounts are based on each client's individual profile and are subject to eligibility conditions. Rates and discounts are subject to change without notice.