Tenant Insurance Made Simple

Protect your home, your belongings, and your peace of mind — all for one fair price. HappiCover is tenant insurance designed for every renter: no credit checks, no hidden barriers, just straightforward coverage that works for you.

Through our exclusive partnership with Summit Commercial Solutions Inc., one of Canada’s leading insurance providers, HappiCover gives you:

✅ Preferred Pricing – exclusive rates for Happipad renters
✅ Comprehensive Coverage – liability, property damage, medical payments, and more
✅ Proof of Insurance Delivered Automatically – sent directly to your host so you don’t have to worry
✅ Flexible Plans – monthly or annual, transferable if you move
✅ Automatic Enrollment – when you rent a home through Happipad

*Buy HappiCover*

What HappiCover Includes

Every Happipad rental comes with HappiCover included at no extra cost. Here’s exactly what’s covered:

Core Coverages (No Deductible)

• Personal Liability – up to $1,000,000 per occurrence
  Covers you if you accidentally cause damage (e.g. fire, water leak) or injure someone, including legal expenses.

• Property Damage to Others – up to $100,000 per occurrence
  Protection if you’re held responsible for damaging someone else’s property.

• Medical Payments to Others – up to $10,000 per occurrence
  Helps with medical costs if someone is injured in your rental.

Extra Coverage (Included in Your Policy)

• Personal Property Coverage – up to $20,000 per occurrence
  Protects your belongings (on-premises and off-premises) against fire, theft, or water damage.
  Claims settled on a replacement cost basis (no depreciation).
  Deductible: $500

• Animal Liability Coverage – up to $100,000 per occurrence
  Protection if your pet causes injury or damage.
  Deductible: $0

• Pet Damage Coverage – up to $750 per occurrence
  Covers accidental damage caused by your pet inside the rental.
  Deductible: $100

• Biohazard Clean-Up – up to $2,000 per occurrence
  Covers the cost of specialized clean-up after certain insured incidents.
  Deductible: $0

Additional Benefits

• Additional Living Expenses – up to $4,000 or 20% of personal property limit (whichever is greater)
  Pays for temporary housing and extra food costs if you need to move out during repairs.

Deductible Summary

• $0 deductible → Liability, Property Damage, Medical Payments, Animal Liability, Biohazard Clean-Up
• $500 deductible → Personal Property
• $100 deductible → Pet Damage