You have to get basic "tenants insurance" for your contents. Whoever you get, make sure that they cover the thousands of dollars worth of military kit you have in your house. If your place burns down or gets broken into, the CF expects you (ie your insurance) to pay for the kit. That's one of the things that's good with the Personal - they cover your kit for sure. Others may not, since it's not "yours."
Other than the kit, it's standard tenants insurance - based on how the home is heated, how far you are from a hydrant and fire station, whether you or anyone in your family smokes and so on.
When we lived in Manitoba (owned our house, though) we used Red River, no problems with them, but we never had a claim...Friends of ours had a lot of problems with Wawanesa - they had to go to court to get their money when their garage was burnt down by some kids.
When we moved to Borden into PMQs we got the Personal, and stayed with them now that we own our own house again. Rates seem good, but again we've had no claims. Once you leave Manitoba, if you insure your vehicle with them too, there's a discount for doing both home and vehicle. But Manitoba has public insurance - so cars, trailers, motorcycles, RVs, and I think ATVs and snowmobiles too, are all insured through MPIC.
