Tenant insurance, enforced at signing
MoveSmart enforces the tenant insurance clause at lease signing, collects proof of coverage, and routes applicants to vetted insurance partners if they need a policy. No more lease clauses that exist only on paper.
The problem
What goes wrong when tenant insurance is optional
Clauses that never get enforced
Many leases require tenant insurance, but fewer than half of owners actually collect proof. The clause becomes decorative.
Condo boards chase the landlord
When a tenant floods the unit below, the condo corporation chargeback hits the landlord - whose insurance deductible then spikes for years.
Liability exposure on shared systems
In multi-unit buildings, a tenant-caused fire or leak can generate claims far beyond the tenant's ability to pay - unless they carry adequate liability coverage.
Tenants buy the wrong product or none at all
Without guidance, tenants pick minimum-deductible policies that do not actually cover the risks the lease is worried about.
The MoveSmart approach
How MoveSmart coordinates tenant insurance
Tenant insurance is treated as a gating requirement at lease signing, not an afterthought. We enforce the clause, collect the policy, and verify the coverage matches what the lease asks for.
01
Lease clause enforcement
Tenant insurance requirement drafted into the lease rider with minimum liability coverage amount and proof-of-coverage deadline.
02
Proof collection at signing
Certificate of insurance collected before key handover; filed in the owner portal.
03
Partner provider routing
Applicants without a policy are routed to vetted Canadian partner providers with streamlined sign-up.
04
Coverage verification
We check that the policy includes tenant contents, personal liability (typically $1M-$2M), and any landlord-required additional insured language.
05
Renewal tracking
Policy expiry dates tracked in the portal; tenant reminded before expiry.
06
Owner-as-additional-insured option
Where the partner policy permits, the owner can be named as additional insured for liability clarity.
How it works
The engagement
- 1
Clause drafted into lease
Tenant insurance requirement and minimum coverage amount written into the rider.
- 2
Applicant informed
At offer acceptance, applicant is told proof of insurance is required before keys.
- 3
Partner routing (if needed)
Applicants without a policy are routed to partner providers with a quote flow.
- 4
Certificate collected
Certificate of insurance uploaded to the portal before key handover.
- 5
Coverage verified
Coverage type, liability amount, and effective dates checked against lease requirements.
- 6
Renewal tracking
Policy expiry tracked; tenant reminded in advance of renewal.
Who it's for
A fit for every owner profile
Condo landlords
Owners in condo corporations where tenant insurance is mandated by the declaration and board.
Multi-unit building owners
Owners whose liability exposure from one tenant can affect the entire building.
Individual landlords
Single-unit owners who want the lease clause to mean something on day one.
Pricing
Coordination is included in the full Leasing Services engagement. Tenant insurance premiums are paid by the tenant directly to the insurance provider.
See the full fee schedule →Frequently Asked
Questions about Tenant Insurance
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Learn moreReady to start with Tenant Insurance?
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