Frank InsuranceFrank Insurance
Landlords and small investors

Renting out a home or basement unit? Make sure your policy knows.

A regular home policy covers you and your family. It doesn’t cover your tenants’ belongings or liability, and a property you don’t live in may need a different policy altogether. Frank checks your coverage and compares landlord options before a claim tests it.

Check my rental coverage Call or text (613) 777‑0375

No obligation. Nothing changes without your approval.

  • Licensed broker (RIBO)
  • English or French
  • Weekends available
  • A real person, by phone

Why landlords get caught out

Your insurer needs to know

If you rent out part of your home, you must tell your insurer. A rental property you don’t live in generally needs its own policy.

Tenants need their own coverage

Your policy doesn’t cover tenants’ belongings or liability. Ontario’s standard lease lets you and your tenant agree that they’ll carry liability insurance.

Protect your rental income

Landlord policies can include coverage for lost rent while the unit is repaired after a covered loss.

What Frank reviews

  • Coverage for the building or unit you rent out
  • Your liability as a landlord
  • Rental income protection
  • Details of a basement or additional dwelling unit
  • All your properties together, if you own more than one

How it works

  1. Send a short requestPick a time for a call and add documents if you have them. It takes a few minutes.
  2. Frank reviews and comparesA licensed broker looks at your situation and compares options.
  3. You decideTalk it through by phone. Nothing changes without your approval.
Check my rental coverage

Adding a unit in Ottawa?

The City of Ottawa requires a building permit for additional dwelling units. Tell your insurer before construction starts and before a tenant moves in. City of Ottawa: additional dwelling units.

What to have ready

  • The address of each rental property
  • Whether you live there, and how many units and tenants there are
  • Your current policy or policies
  • Whether your leases require tenant insurance

Don’t have everything? Send what you have and Frank will ask for the rest.

Common questions

I rent out my basement. Is my home policy enough?

Maybe not. Your insurer needs to know, and you may need an endorsement or a different policy.

Can I require my tenant to have insurance?

Under Ontario’s standard lease, you and your tenant can agree that the tenant must have liability insurance, and the tenant must show proof if you ask.

Can you review several properties together?

Yes. Reviewing them together makes it easier to compare options and keep renewal dates organized.

What about short-term rentals?

Insurers treat short-term rentals differently from long-term tenants. Tell Frank how you rent the property.

Check your rental coverage before a claim does

Tell Frank about your property. No obligation, and nothing changes without your approval.

Check my rental coverage Call or text (613) 777‑0375

Prefer email? Write to Frank.tereraho@insureu.ca.

More reasons to review your insurance

If a pipe bursts upstairs, who pays for your unit?The building’s policy leaves out your belongings, upgrades and liability, and its deductible can land on you.Renting in Ottawa? Protect your thingsTenant insurance for renters and students: your belongings, your liability and a place to stay.Running a business from home? Check your policyHome policies usually give limited business coverage and no business liability. Check yours.

See all reasons to buy →

Sources: Insurance Bureau of Canada: renting out a room · Ontario: guide to the standard lease

Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., 135 Laurier Ave W, Ottawa, ON. This page is general information, not advice. Savings are not guaranteed. Quotes and coverage depend on each insurer’s underwriting and policy wording.