25,000 Tenants Can’t Be Wrong


April 20, 2021, COVID-19 Update – Appointments required to see a broker. For more information, please click here to visit our COVID-19 Update.

Buy Tenants Insurance Online

Quote and Buy Instantly

Get multiple prices instantly with the option to purchase—our powerful technology makes it quick and easy to purchase insurance online 24/7. You will have your tenants insurance policy documents email to you in under 10 minutes!

Speak to an Expert

Speak to an Actual Expert

Our broker platform not only makes buying Tenants Insurance easy but allows your broker to be more available to speak with. We can answer your questions, review your coverages, and help with what you need. Because our portal is doing the paperwork, we have more time to talk to you.

Insurance Brokers have your best interest in mind!

The Power of a Broker

Why buy your Tenants Insurance directly from an insurance company? You lose the power of the broker to advocate for claims and look after your renewal. Insurance Brokers have your best interest in mind!

Program Perks with Advantage Insurance

Enjoy Perks of Programs.

Our brokerage focuses on program insurance. We can secure better rates and coverages by specializing in Condo and Tenants Insurance. We are focusing our specialty experience in this under-served insurance segment.

Ask a Question

$30,000 Personal Belongings Coverage

$1,000,000 in Liability

$5,000 Jewelry

Full Sewer Back up

Full Fire and Smoke Damage

$6,000 Additional Living Expense

$30,000 Personal Belongings Coverage

$1,000,000 in Liability

$10,000 Jewelry

$500,000 Condo All Inclusive Protection

Full Sewer Back up

$50,000 Condo Deductible

$60,000 Additional Living Expenses

$25,000 Landlord Contents

$2,000,000 in Liability

Full Sewer Back up

$500,000 Condo All Inclusive Protection

Loss of Rental Income

$50,000 Condo Deductible



Learn about the 3 primary coverages for Tenants Insurance

Belongings Insurance


Your STUFF Coverage! Ever take a moment and think about the value of all of your belongings? How much would it cost to replace all of it? This is exactly why you purchase Tenants Insurance. We replace your personal and treasured personal items. From socks to flat screen TV's, we give you the Protection Advantage.

Tenants Insurance


Accidents happen! Did you know that you could be personally sued? From accidents like a slip and fall on your premises or damaging someone else’s property, you need protection. This aspect of Tenant Insurance is usually never thought of, but is ever so important.

Additional Living Expenses Coverage


Imagine disaster has struck the place where you cook, sleep, and put your feet up. It has been destroyed! What do you do now? Where are you going to sleep tonight? Where are you going to shower for work tomorrow, etc.? Additional Living Expenses Coverage gives you peace of mind. It looks after alternative accommodations and extra costs until you can come home again.


Why having Tenants Insurance is critical for your protection.

Frequently Asked Questions

The phrase “Act of God” is an old insurance term used to describe claims that are natural and NOT human-based. Tenants insurance policies cover almost all “Acts of God” such as – windstorm (tornado, hurricane), snow & hail, lightning, forest fires, rain and snow. Your policy can also be extended to cover earthquake and flood damage. 

Jewelry is automatically covered up to $10,000 for condo policies and $5,000 for tenants policies.  You can add specific items that exceed these limits. 

Your policy covers you from claims happening IN your residence, such as a guest tripping on a carpet or a delivery person slipping on a walk you were suppose to shovel. It also protects you internationally for property damage that you could cause while on holidays (letting a tub overflow in a hotel room)

The landlord’s insurance policy protects their assets. This means the building itself, and some cases, more permanent appliances (think shared laundry). Your Tenants Insurance protects your personal property.

When you start to add up your clothing alone, could you really pay for it all again out of pocket? When you factor in the low cost of Tenants Insurance and the small deductible, how can you afford NOT to buy this protection?  

Natural disasters are very broad, especially in Canada. From snowstorms and hail to earthquakes on the west coast. Tenants policy cover for most natural disasters (forest fires, tornados, even earthquake can be added).

beauty insurance quotation symbol

The Founders

Chris and David Stark

Chris Stark, RIBO

Chris Stark, RIBO

Chris Stark and David Stark, a father & son  broker team. They have always had a knack for creating what the insurance industry calls “program insurance”. They take a niche segment of insurance, like tenants, renters, and condo insurance and modernize it. By applying technology, 21st-century communication, and increased coverage they have taken this segment of Ontario renters & tenants insurance and propelled it the modern era. Their mission is to make your insurance purchase as simple as possible, while still answering all of your questions.

With Chris’s communication skills via multi platform channels and David’s insurance and technology skills, this father-son team make quite a pair. Yes, the old one is in charge of development! They have partnered with a Canadian Technology company to develop Tenants-insurance.com, an online information source, quoting engine and instant purchasing tool. Their goal is to make your insurance purchasing experience a positive efficient one.  They are always available to help ensure you understand your policy and get the full protection you need for your Tenants Insurance.

David Stark, RIBO

David Stark, RIBO

Giving You An Insurance ADVANTAGE!

We know there are lots of brokers giving you options for insurance. Let us give you these Advantages:
Advantages Insurance Icon 1

exhale Insurance

Our digital-driven insurance company. Exhale is a leader in Condo and Tenants Insurance.

Advantage Insurance Icon 2

SGI Insurance

Get the expertise of an insurance company that is over 75 years protecting you where you live.

Advantage Insurance Icon 3

Waterloo Regional Apartment Management Association

Proud Member of the this amazing association & More

Become More Informed about Your Insurance


Tenants Insurance New Cloud Base Platform is an exciting new product

New Cloud Base Platform

New Cloud Base Platform for Tenants Insurance Please read our Press Release about Tenants Insurance New Cloud Base Platform.  At Advantage Insurance, a division of

Read More »
Renters Insurance Protection

Renters Insurance

Renters Insurance Everything You Need to Know Tenants or Renters Insurance is an excellent product for those who rent someone’s place to reside. A landlord

Read More »