We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable tenant insurance coverage tailored to you with Brokerlink.
Get the coverage Regina renters need for their belongings, liability, and the unexpected. For residents of Regina, evening plans might include catching a game at the Brandt Centre or walking around Wascana Lake. But for renters, living here also means being prepared for the unexpected, whether that’s a winter freeze that bursts a pipe or a summer storm that causes damage.
With a rental vacancy rate of about 2.7% in 2024, finding another place quickly can be difficult and expensive. Tenant insurance helps by covering your belongings, protecting your liability, and helping with temporary living costs while repairs are being made. At BrokerLink, our Regina advisors can help you find coverage that fits your lifestyle and budget.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Tenant insurance, or renters insurance, in Regina is what helps you get back on track when something unexpected happens in your rental home. While your landlord’s insurance covers the building, it won’t cover your personal belongings or your liability. That’s where your policy steps in. Tenant insurance protects what’s inside your space, like your furniture, clothing, electronics, books, kitchenware, appliances, and even the small knick-knacks that make your place feel like home.
It also includes liability coverage in case a visitor gets hurt or you accidentally cause damage to someone else’s property, like your rental unit or your neighbour’s. For example, if a candle tips over and starts a small fire in your kitchen, tenant insurance can help pay for the repairs and replacements. It can even help cover a temporary place to stay if you’re required to leave your home while the repairs are made.
If you rent in Regina, you already know how unpredictable the weather can be. Winters are long and cold, and those deep freezes can burst pipes, leading to serious water damage inside apartments and basement suites. In spring and summer, fast thaws and heavy rain can test older drainage systems, increasing the risk of leaks or backups, particularly in the south end around the University and the Cathedral area.
But it’s not just the local weather that’s a concern. Cooking accidents and aging wiring in older homes are known to cause residential fires each year in the city. In fact, a City of Regina study found that residential cooking equipment was one of the two leading ignition sources in residential fires. A single kitchen fire in an apartment complex can leave you with thousands in repair and replacement costs.
While Regina’s 2024 Crime Severity Index dropped to 100.3, it still sits above the national average, so theft and vandalism remain common concerns for many renters. Add in the fact that most landlords in the city now require tenants to carry insurance before signing a lease, and it’s easy to see why having a policy in place is more of a necessity than an option.
The right tenant insurance policy helps protect your belongings, your liability, and your finances when life doesn’t go as planned. Here are the main types of standard and optional coverage that every Regina renter should consider.
High-value item coverage
Identity theft coverage
Sewer backup coverage
Overland water coverage
Home business endorsement
Personal umbrella liability insurance
Contents coverage
Personal liability coverage
Additional living expenses
Standard tenant insurance policies limit payouts on certain valuables such as jewellery, collectibles, art, or sports equipment. High-value item coverage (sometimes called a “rider” or “endorsement”) increases those limits or lists specific items for their appraised worth to ensure you have enough coverage.
Identity theft coverage helps you recover if your personal information is stolen and used for fraud. It can cover expenses like lost wages, credit monitoring, legal assistance, and the cost of restoring your financial records. With more online scams and phishing attempts targeting residents every year, it’s becoming an increasingly useful add-on for many Regina tenants.
Regina’s spring thaws and heavy summer rains can push water and sewage into basements when the city’s storm drains get overwhelmed. Standard tenant policies don’t cover damage from sewage or water backing up through drains, toilets, or sump pumps. Adding sewer backup coverage helps you replace your damaged furniture and personal items.
This optional protection covers flooding from sources outside your home, such as melting snow, heavy rain, or overflowing rivers. It’s especially valuable for renters in lower-lying areas or older neighbourhoods where drainage systems can’t keep up.
If you run a small business or side hustle from home, a standard tenant policy likely won’t cover your business equipment or inventory. A home business endorsement adds protection for business tools and supplies, as well as increased liability related to your work. This coverage can be ideal for freelancers, remote workers, and hobbyists who use their space for income-generating activities.
An umbrella policy adds an extra layer of liability protection beyond what’s included in your tenant insurance. It’s useful for renters with higher risk exposure, for example, if you often host gatherings, own pets, or travel frequently.
From your furniture and electronics to your clothing, appliances, and even your personal keepsakes, contents coverage protects them from events like theft, vandalism, fire, or water damage. It can also extend to items you take with you, like a laptop or bicycle, as long as the loss is caused by an insured event.
Liability coverage protects you if someone is injured in your home or if you cause accidental damage to someone else’s property. It can help pay for medical bills, repairs, or your legal fees if you’re found responsible. Most Regina renters carry at least $1 million in liability coverage, but higher limits are often available.
If your rental becomes unlivable after a covered loss, this helps you maintain your lifestyle while repairs are made. It can pay for hotel stays, temporary rentals, meals, and even increased transportation costs if you need to move across town for a while. This coverage keeps you from paying rent and emergency housing costs at the same time.
Let us be your resource for all things tenant insurance
BrokerLink offers Regina renters tailored coverage options, practical advice, and support from local advisors who understand the risks that can come with renting in the city.
30425+ Reviews
Average rating of 4.7
Prompt, helpful with advice and finding the right insurance for my small business.
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
Fast, efficient, knowledgeable service. Helpful staff.
Everything went perfectly including prompt follow up.
If you need a broker, this is the best place to deal with! Amazing staff!!
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Excellent service, quick, efficient, and professional. Highly recommended.
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
Friendly, hassle free service. I'm impressed. Would highly recommend.
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Lovely service, great communication and very helpful!!
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Tenant insurance in Regina is usually pretty affordable, but that doesn’t mean you can’t find ways to stretch your dollar a little further. With the help of some tips from our BrokerLink experts, you can protect what matters most and still keep your monthly costs under control.
If you already have auto or another type of insurance policy, bundling it with your tenant insurance through the same provider may lead to multi-policy savings. Many Regina renters who already carry extended auto insurance through a private insurer find this the easiest way to lower costs.
Avoiding small, preventable claims or handling them yourself can help you qualify for a claims-free discount when your policy renews.
Adding safety features like smoke alarms, water sensors, or monitored security systems can sometimes earn you extra savings. Talk to your landlord first before adding them.
Some insurance providers offer savings for having monitored security alarms, being a student or retiree, or belonging to a professional or alumni group. A local BrokerLink broker can check which apply to you.
Not all insurance providers weigh Regina’s risks the same way. Comparing quotes or working with a local BrokerLink advisor like BrokerLink can help reveal better coverage for the same price.
If you can handle a slightly higher out-of-pocket cost in the event of a claim, raising your deductible often lowers your premium.
Paying your premium in one lump sum instead of monthly instalments can help you avoid service fees that add up over time.
Reviewing your policy each year with a local BrokerLink advisor helps ensure you’re not overpaying for coverage you no longer need.
Some insurers in Saskatchewan may use credit scores as part of their pricing. Keeping yours healthy can help you qualify for better rates.
When calculating your tenant insurance rates, insurance companies look at a handful of local and personal factors to estimate risk in Regina, then price your policy accordingly. Below are some of the most common factors that tend to move the number up or down, and why:
If your building is in an area with higher rates of reported break-and-enters or theft from autos, insurance companies may price higher for the greater chance of claims. For example, according to the past few annual reports from Regina Police, the North Central neighbourhood has continued to have the highest number of residential break-and-enters and theft from auto under $5,000, as well as the highest number of reported mischief cases.
Nationally, 2024 was the costliest year on record for insured severe-weather losses at about $8.5 billion, driven by hail, flooding and wildfire seasons that stretched claims resources across Canada. Of that amount, $135 million was caused by severe storms in South-Central Saskatchewan that included several confirmed tornadoes and severe hail. While Regina was able to avoid most of it, the proximity may still influence reinsurance and base rates.
Older rentals in character neighbourhoods, like Heritage or The Crescents, may come with dated wiring, fewer or no sprinklers, or older plumbing, increasing the risk of fire and water damage. Newer or mid- and high-rises with sprinkler systems, monitored alarms, and secure entry often see more stable pricing because those modern features help reduce fire damage, break-ins, and theft.
Someone who uses their home as just a home generally faces fewer risks than someone who also uses it as their place of business. Running a small business from home can change your liability profile and the type of equipment or inventory you need protected. This can affect the price of your premiums because it affects the type of coverage you need, as well as the likelihood and potential size of a claim.
Someone renting a small furnished suite near downtown likely won’t need as much contents coverage as a family renting a house with several rooms full of furniture, appliances, and electronics. The more belongings you want to protect, the higher your coverage limit will need to be, along with your premium.
Opting for more comprehensive coverage, like adding replacement-cost coverage instead of actual cash value for your belongings, choosing higher contents limits, adding special coverage for high-value items, or optional flood or sewer backup endorsements, will likely raise your premium, but it means having more thorough protection when facing the unexpected.
With your consent, some insurance providers will use your credit history in their underwriting and rating process to help set your rates and discounts. Keeping your credit healthy can help you qualify for better pricing.
Having a recent history of multiple claims, even small ones, can push your premiums up because it signals to insurers that there’s a higher chance of you filing future claims. But if you stay claims-free, you may qualify for more preferred rates or discounts.
Tenant insurance can help you recover from a lot of sudden problems, like a fire or theft, but it’s not meant to handle every type of damage. At BrokerLink, we feel it’s always better to know the limits of your coverage before you need to use it. Most Regina tenant insurance policies do not cover:
Intentional damage or neglect
Damage caused by illegal activity
Damage that happens while you’re renting your unit to someone else without notifying your insurer
Damage or injuries caused by business activities, unless you have a home-business endorsement
Water entering your suite from outside sources, like melting snow or heavy rain, unless you’ve added optional overland water or sewer backup coverage
Pests like bedbugs, cockroaches, or mice, which are usually treated as a lack of proper home care
Regular wear and tear
If you’re unsure about what’s covered or where exclusions might apply, a local BrokerLink broker in Regina can help walk you through the details and make sure your policy fits your situation.
At Regina BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s car insurance, home insurance, business insurance, life insurance, farm insurance, or even pet insurance, we’ll help you find the best insurance policy for your home and lifestyle.
Looking for affordable tenant insurance in Regina? Contact BrokerLink today. You can reach us by phone, email, or in person at any one of our locations throughout Saskatchewan. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
Visit a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
About us
Tenant insurance isn’t required by law in Regina, but many landlords include it as a condition in their lease agreements. But even if yours doesn’t, having your own policy is strongly recommended to protect your belongings and liability.
Pets aren’t directly “covered,” but any damage or injury they cause usually falls under your personal liability section. It’s best to mention if you have any pets when setting up your policy so your coverage reflects your situation accurately.
Most standard tenant insurance policies in Regina protect against common perils such as fire, lightning, windstorms, hail, theft, vandalism, and certain types of water damage, like burst pipes or unintentional leaks. If you have specified perils coverage, you’ll only be covered for perils that are specifically listed in your policy. However, if you have all-perils coverage, you’re generally covered for almost everything unless it is specifically excluded in your policy.
Qualifying for tenant insurance in Regina is actually really simple. You just need to be renting a space, like a house, apartment, condo, or room, and be able to provide a few details about yourself, your space, the building itself, your belongings, and your claims history. Once they have that information, they’ll compare quotes from different insurers to find a policy that fits your specific needs and budget.
Only if your roommate is listed on your policy. Some insurers will allow you to add a roommate or even share a policy. However, if you share your place, it might be best if you both have your own coverage to protect each other’s belongings and liability. A local broker can help you figure out what’s best for your situation.
That depends on what you own and how much you want to protect. Take a quick inventory of your belongings and estimate what it would cost to replace them all at once. Many renters start with $30,000 in contents coverage, but your broker can help you find the right number based on your lifestyle and budget.
Most tenant insurance policies in Regina renew automatically every year. Before renewal, your insurer or broker will usually send you a renewal notice that shows your current coverage, limits, and new premium. It’s a good idea to take a few minutes to review those details, especially if anything has changed over the past year, like purchasing new furniture, electronics, pets, or moving to a new place. If something has changed, your broker can adjust your policy so your coverage stays accurate and up to date.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Car Insurance
Home Insurance
RV Insurance
Condo Insurance
Motorcycle Insurance
Boat Insurance
Insurance bundle
ATV Insurance
Pet Insurance
Life Insurance
Travel Insurance
