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Kingston Tenant Insurance

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MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
$43.02Jun 19, 2024, 05:45 AMHome56FemaleK1G0M5
$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

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July 19, 2023
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July 13, 2023
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I don’t always shop around when it comes to my insurance but I’m glad I did this time, My Choice had a good range of options and I was able to chat to a broker once I found a quote that I liked!
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June 30, 2023
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June 19, 2023
Great experience getting an online quote, quick and easy. All things considered, it looks like I'm going to save around $80 a month on my car insurance!
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Article Contents
Picture of By <span>Matthew Roberts</span>
By Matthew Roberts

Updated on May 29, 2024

Visit author page
Picture of By <span>Matthew Roberts</span>
By Matthew Roberts

Updated May 29, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Tenant Insurance in Kingston

  • Kingston tenant insurance is LESS expensive than the Ontario average.
  • The average cost of tenant insurance in Kingston is $10 per month.
  • On average a one-bedroom apartment costs $1,331 per month in Kingston.

Kingston had the second-lowest rental vacancy rate in Ontario in 2021 and 2022. This shows that rental properties are highly popular in the city and that many of Kingston’s residents choose to rent instead of buying a home. There are many reasons to rent a home, from relative affordability to the flexibility to move out whenever you want.

Another major perk of renting your home is that the landlord is responsible for repairs and maintenance. However, they’re not responsible for damage to your belongings, which is where tenant insurance comes in. A tenant insurance policy can foot the bill if perils like fire and earthquakes damage your things.

Tenant insurance can give you peace of mind, but choosing the right policy can be confusing due to all the choices. Learn the ins and outs of tenant insurance for Kingston renters to ensure you make informed decisions and pick the policy that best suits your needs.

How Much Does Tenant Insurance in Kingston Usually Cost?

Kingston tenant insurance can cost as low as $10/month, which translates to $120/year. At its lowest, Kingston tenant insurance is much cheaper than the Ontario average renters insurance rate, which is around $264/year. $10 a month is an incredibly low price for the peace of mind you get knowing your belongings are protected.

Your tenant insurance can be higher depending on the insurer and many other factors. Use My Choice to compare tenant insurance policy deals and find the one that best fits your insurance needs at a reasonable cost.

A Snapshot of Kingston Renters

What’s Kingston like for renters? Let’s take a look at the 2021 Census of Population for a snapshot of the rental landscape in Kingston.

Apartments are relatively popular in Kingston, with 37.1% of the 57,840 people surveyed occupying apartments in duplexes, low-rises, and high-rises. There’s also a relative balance between homeowners and renters at 55.8% and 44.2%, respectively. 

According to the Canada Mortgage and Housing Corporation’s January 2023 rental report, Kingston had the second-lowest vacancy rate in Ontario for two consecutive years in 2021 and 2022. As of 2022, the vacancy rate for purpose-built rentals in Kingston is 1.2% with a $1,471 average rent for two-bedroom properties.

While the supply of rental properties experienced strong growth with a 2.8% increase in apartment units, affordable rentals are still somewhat limited. A good example of this is the 21.6% rent increase for two-bedroom apartments available for new tenants.

Average Monthly Rent in Kingston

Below are the average rent prices in Kingston, categorized by apartment type.

Apartment TypeAverage Monthly Rent
1 Bedroom$1,331
2 Bedroom$1,606
3 Bedroom +$2,121

Kingston Rent Price Over The Years

The rent for 2-bedroom apartments increased from $1,199 in 2018 to $1,606 in 2023, a 33.9% increase.

Kingston Vacancy Rate Over the Years

The overall decrease in vacancy rates for 1-bedroom apartments in the last few years suggests an increased demand for these types of units.

Kingston Population Growth

The population in Kingston grew from 123,798 to 132,485 in 5 years since 2016, a 7.01% increase.

What Is Not Included in a Typical Kingston Renters Insurance Policy?

Even if you’ve opted for a highly comprehensive tenant insurance policy, there are some risks that insurers explicitly don’t include as a covered peril. These are called “exclusions” by Kingston insurance companies.

Here are the most common tenant insurance exclusions:

Criminal activities

If your rented home was damaged due to criminal activity, it won’t be covered by your insurance policy.


Most policies exclude this risk, but you can cover earthquake losses and damage as an add-on to a standard policy.

Failure to maintain your home

Damage or losses caused by poor home upkeep (e.g., water damage from frozen pipes, broken bannisters) won’t be covered.

Flood damage

Flooding is typically not covered by a standard policy, but it may be included as an add-on.

Home business activities

Home businesses will need separate business insurance coverage to protect you from rental property or equipment damage.

Pest damage

Because this is considered a preventable risk, most insurers don’t cover damage or loss caused by insects, vermin, and animals.


Mould caused by poor home maintenance is typically excluded by insurance policies. Note that this is separate from mould caused by an insured peril, which will be covered by your policy.

Vacant property risks

Many insurers may void your tenant insurance if you leave the property vacant for over 30 days in a row.

Note that a tenant insurance policy doesn’t cover loss or damage to items that aren’t yours, so it won’t cover a roommate’s belongings or your landlord’s possessions. Also, the list above is by no means an exclusive enumeration of risks typically excluded from a tenant insurance policy in Kingston. Talk to your tenant insurance provider to see what’s covered by your policy in case of loss or damage.

How You Can Get Cheap Tenant Insurance in Kingston?

Are you looking to save money on your tenant insurance coverage in Kingston? Visit our provincial page for practical tips on how to get cheap tenant insurance.


1. Mychoice.ca Internal Data, Tenant Insurance Quotes Collected, 2024.

2. CMHC, 2023, Rental Market Statistics Summary by Metropolitan Areas, Ontario, Kingston, Average Rent. Data Published October, 2023.

3. CMHC, 2023, Rental Market Statistics Summary by Metropolitan Areas, Ontario, Kingston, Average Rent, 2018-2023. Data Published October, 2023.

4. CMHC, 2023, Rental Market Statistics Summary by Metropolitan Areas, Ontario, Kingston, Vacancy Rate, 2018-2023. Data Published October, 2023.

5. Statistics Canada, 2016-2021, Census of Population Statistics, Ontario, Kingston, Population Statistics. Data Published December 16, 2022.

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