Insurance
- Tenants who signed a lease after April 1, 2025 are required to show proof of renter’s insurance prior to signing the lease. It is the tenant’s responsibility to obtain insurance.
- Contents or Renter’s Insurance is not mandatory for anyone who signed a lease before April 1, 2025, but we highly encourage having it. It is the tenant’s responsibility to obtain insurance.
- LMCH’s insurance will not cover replacement of tenant belongings due to fire, flood, or another emergency.
If you are in receipt of Ontario Works of the Ontario Disability Support Program, you may be able to have the cost of contents insurance added to your shelter allowance. Connect with your Caseworker for more information.
What will insurance do?
If your unit is damaged by flood, fire, or any other incident, depending on your policy, insurance may cover a portion of the costs associated with:
- Replacing belongings
- Legal costs
- A hotel stay or a replacement unit if you must leave your unit for a period of time because of the extent of damage or an emergency situation.
Affordable Insurance:
Housing Services Corporation provides insurance designed for tenants who live in social housing. You can get information about rates and coverage at hscorp.ca or by calling 1-866-940-5111.
You can also obtain insurance through your preferred provider.
Any tenant who signed a lease agreement after April 1, 2025 is required to obtain and show proof of insurance at the time of lease and will be reviewed annually.
