--- title: Residential Tenant | Padder Help Centre description: Guides for applying, required documents, pricing, and managing your residential policy. image: https://help.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://help.padder.com/residential-tenant#main-content) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=250&height=72&name=Padder%20Logo.png)](https://help.padder.com) - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Open main navigation Close main navigation - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Search the Help Centre - There are no suggestions because the search field is empty. 1. [Padder Help Centre](https://help.padder.com/) 2. [Residential Tenant](https://help.padder.com/residential-tenant) # Residential Tenant Guides for applying, required documents, pricing, and managing your residential policy. ## Start Here: About Padder & Your Options - [What is Padder and how does it work?](https://help.padder.com/what-is-padder) - [What is Padder Guarantor?](https://help.padder.com/what-is-guarantor) - [What is Padder Deposit?](https://help.padder.com/what-is-padder-deposit) - [Padder Guarantor vs Padder Deposit: which one do I need?](https://help.padder.com/padder-guarantor-vs-padder-deposit) - [Padder Guarantor + Padder Deposit: Lower your upfront move-in cost](https://help.padder.com/padder-guarantor-and-deposit-lower-upfront-move-in-costs) - [Is Padder required to rent my unit?](https://help.padder.com/is-padder-required) See less ▼ ## Padder Credit Builder - [What is Padder Credit Builder?](https://help.padder.com/what-is-padder-credit-builder) ## Eligibility: Who Padder Is For - [Who can apply for Padder Guarantor?](https://help.padder.com/who-can-apply-padder-guarantor) - [Who can apply for Padder Deposit?](https://help.padder.com/who-can-use-padder-deposit) - [Roommates and Responsible Parties: who has to apply](https://help.padder.com/roommates-cosigners-responsible-parties) - [Where is Padder available?](https://help.padder.com/where-is-padder-available) ## Coverage & Limits: What’s Protected - [What does Padder Guarantor cover for my landlord?](https://help.padder.com/what-does-padder-guarantor-cover-for-my-landlord) - [What does Padder Deposit cover?](https://help.padder.com/what-does-padder-deposit-cover) - [What Padder does not cover](https://help.padder.com/what-padder-does-not-cover) ## Pricing, Payment & Refunds - [How much does Padder Guarantor cost?](https://help.padder.com/guarantor-cost) - [How much does Padder Deposit cost?](https://help.padder.com/padder-deposit-cost) - [How roommates can split the premium](https://help.padder.com/roommates-split-cost) - [How checkout works for Padder Guarantor](https://help.padder.com/how-checkout-works-for-padder-guarantor) - [How checkout works for Padder Deposit](https://help.padder.com/how-checkout-works-for-padder-deposit) - [How to pay your premium: card or Interac e-Transfer](https://help.padder.com/payment-methods-billing) - [Can I cancel Padder or get a refund?](https://help.padder.com/are-premiums-refundable) See less ▼ ## Applying to Padder: How the Process Works - [How do I correct my application or start a new one?](https://help.padder.com/how-do-i-correct-my-application) - [How to tell your landlord or leasing team you are applying](https://help.padder.com/how-do-i-let-my-landlord-or-leasing-team-know-im-applying-for-padder) - [Can I apply before I've found a place?](https://help.padder.com/can-i-apply-before-finding-a-place) - [Can I count a scholarship or grant as income?](https://help.padder.com/can-i-include-a-scholarship-or-grant-as-part-of-my-annual-income) - [Bank statements vs proof of savings: what to upload](https://help.padder.com/whats-the-difference-between-bank-statements-and-proof-of-savings) - [How to check the status of your application](https://help.padder.com/how-to-check-the-status-of-your-application) - [How your application is linked to your lease and building](https://help.padder.com/application-tied-to-lease-building) - [What documents do I need to apply?](https://help.padder.com/documents-required) - [Does Padder check my credit? Soft checks, SIN and your score](https://help.padder.com/credit-checks-sin-score) - [How to apply for Padder Guarantor (with or without Deposit)](https://help.padder.com/how-to-apply-padder-guarantor) - [How to apply for Padder Deposit on its own](https://help.padder.com/how-to-apply-padder-deposit) - [How to upload documents Padder has requested](https://help.padder.com/uploading-documents-to-padder) - [How roommates and co-tenants are invited to apply](https://help.padder.com/how-co-tenants-additional-leaseholders-are-invited-to-apply) - [How do I remove or replace a roommate on my application?](https://help.padder.com/how-do-i-remove-or-replace-a-roommate-on-my-application) - [Someone else pays my rent: whose details do I enter?](https://help.padder.com/someone-else-is-paying-my-rent-whose-information-goes-on-the-application) - [How Padder reviews your application](https://help.padder.com/how-approvals-work) - [How long does approval take?](https://help.padder.com/how-long-does-approval-take) See less ▼ ## Troubleshooting Your Application - [Trouble signing up or signing in? Fixes that work](https://help.padder.com/trouble-signing-up-or-signing-in) - [Can't find your building when applying? What to do](https://help.padder.com/cant-find-your-property-when-applying-to-padder) - [Roommate invite email missing? How to find or resend it](https://help.padder.com/cant-find-your-co-tenant-additional-leaseholder-invite-email) - [Invite link opens but the application is not there](https://help.padder.com/invite-link-opens-but-your-application-isnt-showing) - [Fixing an Internal Server Error in your application](https://help.padder.com/internal-server-error-fix) ## Your Responsibilities & the Indemnity Agreement - [Do I still have to pay rent if I use Padder?](https://help.padder.com/do-i-still-have-to-pay-rent) - [Does Padder Deposit replace my last month's rent deposit?](https://help.padder.com/does-padder-replace-lmr) - [What is the Indemnity Agreement I sign at checkout?](https://help.padder.com/understanding-indemnity) - [What happens if I miss rent or break my lease early?](https://help.padder.com/miss-rent-break-lease) ## Managing Your Policy: Changes, Transfers & Reapplying - [What is an administrative endorsement?](https://help.padder.com/what-is-an-administrative-endorsement-and-why-might-i-receive-one) - [Where to find your policy documents and get a copy](https://help.padder.com/where-are-my-policy-documents-and-how-do-i-get-a-copy) - [How to change your move-in date or lease details](https://help.padder.com/change-move-in-date-lease-details) - [Can I transfer Padder to a new unit or landlord?](https://help.padder.com/transfer-padder-policy) - [Declined or expired? How to reapply](https://help.padder.com/reapplying-after-decline-or-expiry) - [When your coverage ends and whether you can cancel](https://help.padder.com/ending-your-coverage) See less ▼ ## Trust, Safety & Support - [Why did I get an email asking me to verify my email address?](https://help.padder.com/verify-email) - [Who insures my policy and how is Padder regulated?](https://help.padder.com/who-backs-padder-policy-regulation) - [How Padder protects your data and privacy](https://help.padder.com/data-privacy) - [How to reset your password or sign in with a code](https://help.padder.com/reset-your-password) - [How to contact Padder support](https://help.padder.com/contact-support) ## Frequently Asked Questions - [Renter FAQ: Padder Guarantor and Padder Deposit](https://help.padder.com/padder-for-tenants-faq) - [Residential Tenant](https://help.padder.com/residential-tenant#main-content) - [Start Here: About Padder & Your Options](https://help.padder.com/residential-tenant#start-here-about-padder-your-options) - [Padder Credit Builder](https://help.padder.com/residential-tenant#padder-credit-builder) - [Eligibility: Who Padder Is For](https://help.padder.com/residential-tenant#eligibility-who-padder-is-for) - [Coverage & Limits: What’s Protected](https://help.padder.com/residential-tenant#coverage-limits-whats-protected) - [Pricing, Payment & Refunds](https://help.padder.com/residential-tenant#pricing-payment-refunds) - [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) - [Troubleshooting Your Application](https://help.padder.com/residential-tenant#troubleshooting-your-application) - [Your Responsibilities & the Indemnity Agreement](https://help.padder.com/residential-tenant#your-responsibilities-the-indemnity-agreement) - [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) - [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) - [Frequently Asked Questions](https://help.padder.com/residential-tenant#frequently-asked-questions) - [Residential Operator](https://help.padder.com/residential-operator#main-content) - [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) - [Coverage & Claims](https://help.padder.com/residential-operator#coverage-claims) - [Frequently Asked Questions](https://help.padder.com/residential-operator#frequently-asked-questions) - [Terms of use](https://padder.com/terms-of-use/) - [Privacy Policy](https://padder.com/privacy-policy/) - [Privacy Statement](https://resources.padder.com/privacy-statement) - [Disclosure Statement](https://resources.padder.com/disclosure-statement) - [Regulatory Disclosures](https://resources.padder.com/regulatory-disclosures) - [CISRO Conduct Sheet](https://www.cisro-ocra.com/Documents/View/2471) - [Broker Fact Sheet](https://www.ribo.com/wp-content/uploads/2025/01/RIBO_Conduct_Sheet_040622-fact_sheet-1.pdf) - [Contact us](https://resources.padder.com/support) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=180&height=52&name=Padder%20Logo.png "Padder Logo")](https://www.padder.com) Padder Underwriting Inc. is a licensed insurance broker headquartered in Toronto, Ontario. It arranges coverage for tenants and landlords in provinces where it is licensed to offer insurance products. Padder partners with licensed Canadian insurers to provide your coverage. Need help? Paddie, our AI chat, is here any time. Our team is on email and phone Monday to Friday, 9am to 5pm ET. © 2026 Padder Underwriting Inc. All rights reserved.