Questions and Answers About Tenant Insurance

To view the answers, simply click on the question that you’re interested in.

General Questions & Answers

Who is eligible for the HSC Tenant Insurance Program?

If you are a social housing resident in Ontario, Manitoba, Saskatchewan or Alberta, and you pay your premiums, you are eligible for coverage. This insurance program is not dependent on your income or postal code – you won’t be rejected because of how much you make or where you live. You will only be denied coverage if you are renewing coverage and have made a fraudulent claim against the policy.

What options for coverage are available?

There are two insurance options to choose from. For more information, visit our coverage options page

What coverage is best?

You can decide on what is your best coverage based on the value of your personal property. Please note that coverage is paid on an Actual-Cash-Value basis (the value of your damaged content at the time of loss) NOT the cost to purchase new items to replace old items.

Once you’ve estimated the value of your personal property, pick the insurance option that most closely reflects the value of your belongings:

  • If the value of your personal property equals $10,000 or less, select Option 1.
  • If the value of your personal property equals $20,000 or less, select Option 2.

What is the cost of the insurance?

The cost of insurance depends on the option you select and the Province in which you’re using the insurance. To find out how much it will cost you, review our apply for insurance page.

Application Process

How do I apply?

It’s easy. Just follow the instructions on our apply for insurance page.

What do I need to apply?

You’ll need:

  • Your current mailing address
  • The full address where you’ll be using the insurance (if different)
  • The coverage option you’ve selected
  • Payment details (e.g. credit card number or your bank account number)

Your bank account number can be found on your personal cheques in the following location:

check

Who is the secondary applicant?

A secondary applicant can be either a spouse (husband, wife) or family member or a dependent under 21. Only 2 applicants are allowed per application.

When will I get my proof of insurance/insurance certificate?

You’ll be issued your insurance certificate once your payment has cleared.

  • If you are paying by credit card, you will get it immediately by email.
  • If you are paying by direct debit (bank withdrawal), you will get it by email in approximately 1 week.
  • If you do not have email, you will receive your certificate by Canada Post.
  • If a government cheque is being issued on your behalf (eligible OW/ODSP recipients), you will get it by email, or Canada Post, when we receive your payment or a direct pay letter (depending on your housing provider).

To check on the status of your tenant insurance application, call Marsh’s Private Client Services at 1-866-940-5111.

 

What is the fastest way for me to get insurance in place so I can move into my new unit?

The fastest way to get insurance is to pay by credit card and to apply by phone. You will be issued an insurance certificate (proof of insurance) by email when the transaction is approved.

How long does it take to process my application?

It depends on how you’re paying.

You’ll be issued your insurance certificate once your payment has cleared.

  • If you are paying by credit card, you will get it immediately by email.
  • If you are paying by direct debit (bank withdrawal), you will get it by email in approximately 1 week.
  • If you do not have email, you will receive your certificate by Canada Post.
  • If a government cheque is being issued on your behalf (eligible OW/ODSP recipients) , you will get it by email, or Canada Post, when we receive your payment or a direct pay letter (depending on your housing provider).

To check on the status of your tenant insurance application, call Marsh’s Private Client Services at 1-866-940-5111.

How do I know when I am insured?

You will get a certificate of insurance by email. It will have a certificate number unique to you on it, which you will use if you ever need to make a claim.

Please note: If you need a printed copy of your insurance certificate, you’ll need to ask for it when speaking to the customer service agent on the phone. The certificate will be mailed by Canada Post.

Will HSC provide confirmation of my insurance for my housing provider (I cannot sign my lease or pick up my keys without confirmation of insurance)?

Your certificate of insurance is proof that you have insurance through the HSC Tenant Insurance Program. It is advisable that you apply for insurance well in advance of your move-in date.

Your certificate will be sent by email as soon as your payment clears.

If you do not have email and have requested a printed copy by mail but it hasn’t arrived, call Marsh’s Private Client Services at 1-866-940-5111.

IMPORTANT NOTE: No application for the HSC Tenant Insurance Program is ever turned down, provided that payment has been received and the applicant has not made any fraudulent claims.

Purchasing & Payments

How do I pay for my insurance?

Payment is accepted by credit card, direct debit (bank withdrawal) and government cheque payments for eligible Ontario Works (OW) or Ontario Disability Supports Program (ODSP) recipients.

You can pay for your insurance in one annual lump sum by credit card or direct debit or using our monthly payment plan (available for those paying by direct debit or government cheque).

If you are on OW/ODSP and would like to use your shelter allowance to pay for the insurance, contact your caseworker for his/her assistance in setting this up.

Please note that personal cheques, money orders or cash payments are not accepted.

Can I make monthly payments?

Yes, you can make monthly payments. Costs vary depending on the province in which you are located. For details visit our apply for insurance page.

How do I make monthly payments if I do not have a bank account?

If you are a client of Ontario Works or a recipient of the Ontario Disability Support Program benefits, your worker may be able to arrange monthly payments for you.

Contact your caseworker to discuss this.

Can the Ontario Disabilities Support Program (ODSP) or Ontario Works (OW) pay my insurance premium directly to HSC?

In most cases, yes. This is determined on a case-by-case basis, so check with your worker. We will require a letter from ODSP or OW stating that they will make the payment directly to HSC. For further details, contact Marsh’s Private Client Services at 1-866-940-5111.

Coverage and Your Current Policy

What is liability coverage?

This provides coverage in the event that you are found liable for damage to a third party’s property or bodily injury.

How do I make a claim on my insurance policy?

For details on how to make a claim, refer to the making a claim page.

How would I prove my claim?

To make the claims process smooth, keep a receipt and record (make, model, where and when purchased and the price) of your purchased property, particularly more expensive items. Photographs are also very helpful in proving your claim.

It is your responsibility to prove the value of your claim to the adjuster, and it can be quite time-consuming to put together information you need to present your claim if you have to collect this information after the loss has occurred.

How much will I get for loss of personal property?

The maximum you will receive depends on the insurance option you have chosen. However, coverage is paid on an Actual-Cash-Value basis. This is the value of your damaged content at the time of loss, NOT the cost to purchase new items to replace old items.

What is the deductible?

The deductible for both insurance options is $500 per occurrence for property and additional living expense claims. For claims over $5,000 the deductible is waived, or $0.

The deductible for liability claims is $0.

Do I pay the deductible to the insurance company?

No. The insurance company deducts the amount of your deductible from the amount they pay to settle your claim.

What does “additional living expenses” mean?

Additional living expenses are extra expenses you must pay if you have to leave your unit for reasons that are related to your approved claim. For example, you may need to stay in a hotel temporarily while your unit is being cleaned from smoke damage. The hotel expense would be an additional living expense.

Will my shelter allowance cover the cost of this insurance if I receive Ontario Works/Ontario Disability Support Program benefits?

Your shelter allowance may cover the cost of this insurance. Please contact your worker for more information about this.

Is there any reason the renewal of my coverage would be denied?

You will only be denied coverage if you are renewing coverage and have made a fraudulent claim against the policy.

Can my insurance be transferred if I move to another unit in the same building or if I move to a completely different location?

Yes, provided that the new address is a social housing unit. To do so, contact Marsh’s Private Client Services at 1-866-940-5111.

If you move out of social housing, you will be covered for up to 30 days after you move. After 30 days, your insurance coverage will be cancelled and any unearned premium will be returned to you.

Apply for Insurance

Get a quote and apply for tenant insurance

Read more
Renew Insurance

What you need to know about renewing your insurance

Read more
Make a Claim

How to make a claim if disaster strikes

Read more
The HSC Tenant Insurance Program is brokered by Marsh's Private Client Services and underwritten by XN Financial. Read more