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Why do I Need Tenant Insurance?

Coverage for you

If someone is injured or has property damaged due to your actions or those of your guests, tenant's insurance provides protection. If you are found to be at fault, your tenant's policy will help pay for medical expenses and legal fees.

Coverage for your Possessions

Your landlord’s insurance policy protects the building and property they own, but it doesn’t cover your property.

A tenant insurance policy protects the contents of your residence—your furniture, electronics, clothing and other valuable items—from loss or damage due to a covered incident.

Coverage in an Emergency

With Tenant Insurance, you will always have a place to stay. Should loss or property damage occur, additional living expense coverage will pay for expenses incurred—like hotel bills and moving costs—if your residence is unfit for occupancy and being repaired.

Exclusively for you

As a tenant of Effort Trust, you are entitled to savings through a group purchasing program.
Policies start at under $18.50 per month (paid annually).

Buy Tenant Insurance Now

About Cowan Insurance Group

Cowan Insurance Group offers a competitive tenant insurance program designed to protect you and your belongings—exclusive to tenants of Effort Trust.

We work with you to understand your needs and offer tailored solutions to protect what's most important to you. In addition to tenant insurance, we also offer insurance solutions for:

  • Cars and Homes
  • Recreational vehicles, boats, and trailers
  • Life and travel insurance

With over 90 years of experience, our team of specialists has the knowledge and expertise to ensure the insurance solutions we provide are adequate, relevant, and competitively priced.

We make it easy to find the right coverage by ensuring you have the best protection for yourself and your belongings. If you need to make a claim, we'll help you through every step of the process, ensuring you are always informed and able to make the right decisions.

Ask a Question or Report a Claim

If you have a question about your coverage or need to report a claim, please contact coverage provider Westland Express directly at support@westlandexpress.ca.

© 2026 Cowan Group Ltd.

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