Tenant Insurance: A Luxury You Can’t Afford to Skip.
In Ontario, your landlord protects the building. We protect your life. Don’t leave your future to chance.
Threat Level: High
One accident can result in $100,000+ in personal debt and immediate displacement.
The ALE Survival Math
If your building has a fire or a major flood today, where will you sleep tonight? Most Ontario tenants assume the landlord will pay for a hotel. Under the Residential Tenancies Act, they are generally NOT required to do so. Their obligation ends at stopping your rent.
ALE (Additional Living Expenses) is the part of your policy that pays for the “emergency gap” in your cost of living. Without it, the math is brutal:
| Expense Category | Normal Cost (At Home) | Emergency Cost (Displaced) | Your ALE Benefit (The Gap) |
|---|---|---|---|
| Housing | $0 (Rent Paused) | $210/night (Hotel) | $1,470 / week |
| Dining | $150/week (Groceries) | $450/week (Restaurants) | $300 / week |
| Storage & Pets | $0 | $50/day (Storage + Kennel) | $350 / week |
| Total Per Week | $150 | $2,270 | $2,120 PAID BY INSURANCE |
*Estimated costs for Barrie/GTA markets as of 2026.
⚖️ The Liability Lawsuit
If you leave a tap running and flood the floors below, the landlord’s insurance company will fix the building—and then sue you personally (subrogation) to recover every cent. Our $1M-$2M liability coverage is your legal shield.
🛡️ Contents Protection
Your “stuff” is worth more than you think. We provide Replacement Cost coverage. If your 2-year-old laptop is stolen, we pay for a brand-new current model, not a depreciated used one.
🌎 Global Liability
Did you trip someone while cycling? Did your dog bite someone at the park? Your tenant liability follows you everywhere in the world, not just inside your four walls.
🏨 Immediate ALE
By the time the smoke clears, you need a room. We work with carriers that provide immediate financial support for displacement, so you aren’t dipping into your life savings.
The Ethgrity Standard
We’ve seen too many hard-working people lose everything because they thought a disaster wouldn’t happen to them. Ethgrity was built on Ethical advice (The Map) and Personal Integrity (The Compass). We don’t sell checkboxes; we sell the safety net that ensures your financial foundation remains structurally whole.