50+ Ratings on Google!

St. Catharines Tenant Insurance

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on tenant insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

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. 

Square One

How to Compare Tenant Insurance Quotes with MyChoice

Comparing tenant insurance quotes with MyChoice is as simple as it gets:

Share Your Tenant Insurance Needs

Tell us what you want out of your tenant insurance.

Shop for the Best Deals​

Compare tenant insurance quotes from the best Canadian insurers.

Secure Your Rates​

Pick the best deal and lock your rates on our site.​

Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

How MyChoice Works



have compared rates and saved money over the last 24 hours
Secure. No Spam. No Fees.
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 St. Catharines

  • St. Catharines tenant insurance is LESS expensive than the Ontario average.
  • The average cost of tenant insurance in St. Catharines is $19 per month.
  • On average a one-bedroom apartment costs $1,224 per month in St. Catharines.

St. Catharines’ rental market is seeing market supply increase to some of the city’s highest average rates in the past 30 years, with a 2.8% vacancy rate for purpose-built rental apartments. But despite this increased rental supply, stronger employment and an influx of international workers have driven up demand, resulting in fewer affordable rental options.

Convenience is one of the main reasons why rentals are in high demand. By renting your home instead of outright owning it, you leave maintenance and repairs in your landlord’s hands. But while your landlord is responsible for maintaining the property, they have no responsibility if your possessions are lost or damaged.

Tenant insurance can give you peace of mind by covering your belongings from unforeseen events like theft or fires. Learn how tenant insurance works, what its standard coverage is and what add-ons you can get, and where to get quotes for a  St. Catharines tenant insurance policy.

How Much Does Tenant Insurance in St. Catharines Usually Cost?

The average cost of tenant insurance in St. Catharines is $228/year, making it slightly more expensive than the Ontario average of $264 per year. At around $19/month, tenant insurance is an affordable way to cover the cost of replacing or repairing your belongings if they’re damaged or destroyed by certain perils.

A Snapshot of St. Catharines Renters

Based on a 25% sample pool taken by the 2021 Census of Population, over a third of people living in St. Catharines (35.6%, or 20,960 households) are renting their homes. 64.4% of those surveyed (37,945 households) owned their private dwellings. The vast majority of St. Catharines residents live in non-condominium homes (89.3%), with only 10.7% living in condominiums.

A January 2023 rental report from the Canada Mortgage and Housing Corporation found that there was a slower transition to homeownership due to higher mortgage rates. 

This left fewer affordable rentals at a time when more students and immigrant workers were moving to the city. As a result, the average rent for purpose-built rentals in St. Catharines went up by 6.3% to $1,260, which is the fastest rent growth rate change the city’s had in over three decades. 

St. Catharines’ vacancy rate for purpose-built rentals grew to 2.8%, a 0.9% increase from 2021. This can likely be attributed to the completion of 321 new purpose-built rental apartments as of June 2022.

With more tenants staying in their current rentals and avoiding homeownership, expect St. Catharines rental prices to keep going up in the next few years.

Average Monthly Rent in St. Catharines

Below are the average monthly rent prices in St Catharines categorized by apartment size.

Apartment TypeAverage Monthly Rent
1 Bedroom$1,224
2 Bedroom$1,389
3 Bedroom +$1,419

St. Catharines Rent Price Over The Years

The rent for all apartment types in St Catharines has shown a steady increase from 2018 to 2023. For instance, Bachelor apartments rose from $658 in 2018 to $951 in 2023, a 44.5% increase. One-bedroom apartments saw a significant increase as well, going from $871 in 2018 to $1224 in 2023, a 40.5% overall increase.

St. Catharines Vacancy Rate Over the Years

The vacancy rate for one-bedroom apartments in St. Catharines saw fluctuations over the years, peaking at 3.4% in 2023, an increase from 2.9% in 2022.

St. Catharines Population Growth

Since 2016, St. Catharines’ population has grown from 133,113 to 136,803 people, a growth rate of 2.8% over the five-year period.

What Is Not Included in a Typical St. Catharines 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 St. Catharines 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 St. Catharines. 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 St. Catharines?

Looking to save money on your tenant insurance coverage? Visit our Ontario tenant insurance page for a list of practical tips.



Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Quoted rates are based on either a 35-year-old male and/or female tenant with a clean claim history and good credit. They are also non-smokers and live in a home with monitored fire alarms and burglar alarms. The tenants also have a $1,000 deductible, a $1,000,000 liability, a $30,000 personal property limit and water damage included.

Incident Profiles

We examined how rates change by evaluating incident profiles. We looked at the most common tenant insurance claims in Canada: theft, fire-related, accidental injury, and water damage claims while comparing them to a clean record (standard).

Home Details

Quoted rates are based on either a duplex or triplex home constructed in the year 2010 or later.


MyChoice data science, MyChoice research.


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

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

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

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

5. Statistics Canada, 2001-2021, Census of Population Statistics, Ontario, St. Catharines, Population Statistics. Data Published December 16, 2022.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes
Secure. No Spam. No Fees.

Discover More About

Read our digest of the recent report on home insurance profitability. Learn how extreme weather affects insurer profits and your premiums.
Sump pumps prevent your home from flooding and provide home insurance benefits. Click through to learn more about sump pumps and how they can save you money.
While home insurance typically doesn’t cover furnace repairs, you can still save money through regular maintenance and government rebates. Click through to learn more.

Even More Ways To Save