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Income Property Insurance

Landlords Insurance
Ontario, Canada

Protect Your Rental Property with Confidence


As a landlord in Ontario, unexpected damage, liability claims, or tenant issues can put your investment at serious risk. At 705 Insurance, we specialize in landlord insurance that’s built to cover more than just the basics. Whether you own a single rental or a portfolio of properties, we help you secure coverage that includes building protection, loss of rental income, and liability—all tailored to your property type and tenants. No fluff, no gaps—just the right protection, right now. Get a fast, no-obligation quote today and protect your income the smart way.

Coming Soon: LEI for Ontario Landlords

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705 Insurance is currently working with our Lloyd's syndicate to create a specialty Legal Expense Insurance for our Ontario landlords. This would help cover the costs of tenant evictions, property damage disputes, and legal representation for lease enforcement. It’s designed to reduce out-of-pocket legal costs and give landlords peace of mind when dealing with high-risk tenant situations.

Red Brick
Small Income Property

Small Income Properties (Under 8 Units)

 

Perfect for landlords managing small rentals—single-family homes, duplexes, triplexes, or up to 8-unit buildings.


You’ve invested time and money into your property. One unexpected event—a fire, flood, or liability claim—can wipe out years of progress.

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  • Guaranteed home replacement cost

  • Liability protection for tenant injuries

  • Rental income replacement

  • Sewer backup and water damage protection

  • Coverage for rented condos or special-use units

New Apartment Building
Large Residential Buildings

Multi-Unit & Large Residential Buildings (8+ Units)

 

Tailored for owners of large buildings, townhome complexes, or high-rise condominiums. Whether it’s one building or multiple, large-scale properties face unique risks—shared walls, common spaces, and higher occupancy increase exposure.


Coverage highlights:

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  • Full building and contents protection

  • Comprehensive liability

  • Loss of rental income

  • Coverage for shared areas and common elements

  • Custom coverage plans for large-scale residential portfolios

Shopping Mall Interiors
Commercial Rental Properties

Commercial Rental Properties

 

If you rent space to businesses, you need protection that fits both the structure and the tenants’ operations. From small storefronts to office towers and retail plazas, commercial landlords rely on specialized coverage to protect their income streams.


Coverage highlights:

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  • Building and property coverage

  • General and commercial liability

  • Business interruption

  • Equipment and signage protection

  • Tenant fit-up and leasehold interest options

Here Is Our Promise To Every Customer:

1

Annual Requotes

We automatically flag any policy that increases by more than 5% and shop it with every major carrier to make sure you’re still getting the best value. No calls needed, no time wasted. You’ll get a clear breakdown of your renewal options without having to shop around or start over. We do the legwork, every year,

so you don’t have to.

2

Honesty Over Sales

We don’t believe in upselling just to hit targets. If a policy doesn’t make sense for you, we’ll say so—plain and simple. Our brokers are trained to protect your best interest, not pad commissions. We explain what you need, what you don’t, and why. No pressure, no scare tactics, and no surprises—just real advice based on facts, not sales goals.

3

Flexible Contact Options

Want a 7PM call after work? Prefer to text? Need a quick FaceTime to review your policy? No problem. We’re a new generation of brokers who work around your schedule, not ours. Whether it's email, video, phone, or chat, we use the technology that fits your life. You choose how we connect, and we'll it happen without delay or hassle.

Why Choose 705 Insurance for
Your Income Property Insurance
Ontario, Canada

Landlord Insurance in Ontario – Protect Your Rental Properties with 705 Insurance

 

At 705 Insurance, we understand the risks and responsibilities that come with being a landlord in Ontario. Whether you rent out a single-family home, a multi-unit property, or a commercial space, protecting your investment is critical. From property damage to tenant disputes and loss of rental income, our comprehensive landlord insurance solutions are designed to safeguard your assets and keep your rental income flowing.

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Why Choose 705 Insurance for Landlord Insurance in Ontario?

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Specialized Landlord Insurance Expertise:
Our experienced brokers specialize in landlord insurance and understand the legal and financial exposures Ontario property owners face. Tom Putman and the 705 team will guide you through your coverage options and make sure you’re protected against the real-world risks landlords deal with every day.

 

Tailored Coverage Options:
Whether you're managing a duplex, triplex, student housing, or a short-term rental, we offer policies that fit your specific needs. Our landlord insurance covers buildings, contents, loss of rental income, liability, and more—all customizable based on your property type and occupancy.

 

Legal Expense Protection (Coming Soon):
705 Insurance is working with our Lloyd’s syndicate to develop specialty Legal Expense Insurance for landlords. This coverage will help pay for costs associated with evictions, lease disputes, and other legal matters that can otherwise become costly and time-consuming.

 

Property Damage Coverage:
From fire and water damage to vandalism and natural disasters, our policies protect the physical structure of your rental properties and can extend to included contents like appliances or furnishings.

 

Loss of Rental Income:
If your property becomes uninhabitable due to a covered peril, this coverage helps replace the lost rental income while repairs are underway.

 

Landlord Liability Insurance:
Essential for protecting you against claims made by tenants, guests, or others injured on your property. This includes legal defence costs and potential settlements.

 

Optional Coverage Add-Ons:
We offer additional endorsements for things like flood protection, sewer backup, identity theft, and equipment breakdown. Coverage can also be expanded to protect detached structures, such as garages and sheds.

 

Competitive Rates:
705 Insurance partners with top Canadian carriers to deliver the most competitive rates without sacrificing coverage. Our goal is to help you maximize value while minimizing risk.

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Our Landlord Insurance Coverage Options in Ontario

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Comprehensive Property Coverage: Protects against fire, wind, hail, vandalism, theft, and more.

 

Liability Coverage: Covers bodily injury or property damage to others caused by your property.

 

Loss of Income Coverage: Replaces rental income when the property is unlivable due to an insured event.

 

Contents Coverage: Protects landlord-owned appliances, furnishings, and tools used to maintain the property.

 

Guaranteed Home Replacement (Eligible for Dwellings Under 3 Units): Ensures your building is rebuilt to current standards—even if

the cost exceeds your policy limit.

 

Legal Expense Insurance (Coming Soon): Helps pay for legal disputes with tenants, eviction costs, and lease enforcement.

 

Water Damage & Sewer Backup Coverage: Optional but strongly recommended in high-risk areas.

 

Short-Term Rental Coverage: Available for landlords using platforms like Airbnb or VRBO.

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Get a Quote Today​

Don’t leave your property or income exposed to unnecessary risk. At 705 Insurance, we take the stress out of insuring your rental properties. Let Tom Putman and our expert brokerage team provide you with tailored coverage that protects what matters most. Contact us today for a fast, no-obligation landlord insurance quote.

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Protect Your Rental Investments with 705 Insurance

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705 Insurance is committed to protecting Ontario landlords with comprehensive insurance solutions that go beyond basic coverage. With options tailored to every type of rental property and support from experienced brokers, we help you manage your risk with confidence. Reach out today to get started—and safeguard your income, your property, and your peace of mind.

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What We Insure for Landlords

  • Boarding Home Rentals

  • Rented Home Insurance

  • Rented Condo Insurance

  • Tenant / Renters Insurance

  • Rented Cottage Insurance

  • Rented Seasonal Property Insurance

  • Townhouse Insurance

  • Apartment Building

  • Co-op Insurance

  • Vacant Home Insurance

  • Vacant Land Insurance

  • Rentals Under Renovation 

  • Rental Property Insurance

  • High-Value Rentals Insurance

  • Course of Construction Insurance

  • Rented Farm Insurance

  • Rental Property Insurance

  • Landlord Insurance

  • Student Housing Insurance

  • Storage Unit Insurance

  • Short-Term Rentals

    • AirBNB​

    • Vrbo

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