First home insurance for new Ontario lease newcomers

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Is lease always required for tenant policy?

Most brokerages and markets want address and occupancy proof — a signed lease is the usual artifact. Confirm with the MGA; document alternatives if the carrier accepts them.

Contents inventory depth?

Follow MGA — line item or signed schedule; reject blank templates.

No prior Canadian insurance?

Document first-time Canadian status; attach foreign prior if it exists and the market asks.

Roommate policies?

Separate files or explicit named-insured lines — brokerage and carrier policy.

Guest link for client still abroad?

Useful for pre-arrival lease upload when the landlord sends a PDF.

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