Top 50 Questions on Tenant Insurance & Liability in Manitoba

Tenant Insurance & Liability Manitoba published June 26, 2025 Flag of Manitoba
Is tenant insurance mandatory in Manitoba?
No, Manitoba law does not require tenant insurance, but landlords may make it a lease condition.
Can a landlord require me to have tenant insurance?
Yes, a landlord can include tenant insurance as a lease requirement in Manitoba.
What does tenant insurance usually cover?
It typically covers personal belongings, liability for accidents, and additional living expenses.
Is my landlord’s insurance enough to protect my belongings?
No, landlord insurance only covers the building and their own property, not your personal belongings.
Who is liable if my guest gets injured in my apartment?
You may be liable. Tenant insurance typically provides liability coverage for these situations.
What happens if I accidentally cause damage to my rental unit?
You may be financially responsible. Tenant insurance can help cover accidental damage.
Can my landlord evict me for not having tenant insurance?
If your lease requires insurance, failing to get it could be grounds for eviction.
How do I prove to my landlord that I have insurance?
Provide a copy of your insurance certificate or policy to your landlord.
Does tenant insurance cover water damage?
Most policies cover sudden water damage, but not issues like flooding unless specified.
How much does tenant insurance cost in Manitoba?
Typical costs range from $15 to $30 per month, depending on coverage.
Will tenant insurance cover theft from my car?
Most policies cover stolen items from your car but not damage to your vehicle itself.
Does my policy cover roommates?
Usually, only people named on the policy are covered; check your specific policy.
Can my landlord make me use their preferred insurer?
No, you can choose any licensed insurance provider.
What is liability coverage in tenant insurance?
It covers you if you accidentally damage someone’s property or someone is injured at your place.
Does tenant insurance cover mold damage?
Usually not, unless the mold is caused by a sudden, covered incident. Read your policy for details.
If my landlord’s negligence causes a loss, do I claim under my policy?
You may need to claim under your policy first; your insurer may then pursue your landlord for costs.
Can I get tenant insurance mid-lease?
Yes, you can purchase tenant insurance at any time during your lease.
Does tenant insurance cover floods?
Flooding is typically excluded unless you buy specific flood coverage. Check your policy.
What’s the minimum coverage I should get?
There’s no legal minimum, but most tenants choose at least $30,000 in contents coverage and $1M in liability.
Will my landlord’s insurance cover damage from my pet?
No, damages caused by your pet are your responsibility. Your tenant insurance may help if you have liability coverage.
Is tenant insurance required for subsidized housing?
It’s not required by law but may be required by the housing provider/landlord.
Can I be evicted for not renewing my tenant insurance?
If the lease requires continued insurance, failing to renew could result in eviction.
Will tenant insurance cover accidental fire damage?
Yes, accidental fire damage is usually covered by standard tenant insurance policies.
What documents should I keep for a tenant insurance claim?
Keep receipts, an inventory of possessions, and photos to prove ownership and value.
Does tenant insurance cover bed bug infestations?
No, most policies do not cover damage or cleaning costs from pests like bed bugs.
If I change address, can I keep the same tenant insurance policy?
Usually yes, but you must notify your insurer of your new address.
Can tenant insurance cover temporary housing if the unit is unlivable?
Yes, most policies include coverage for additional living expenses after a covered loss.
Is there a deductible for tenant insurance claims?
Yes, most claims have a deductible. The amount depends on your policy.
Does tenant insurance cover my belongings stored offsite?
Some policies may offer limited coverage for items in storage. Check your policy.
What’s not covered by tenant insurance?
Exclusions often include natural disasters, intentional damage, and certain valuable items unless added separately.
If I sublet, does my tenant insurance cover the subtenant?
No, the subtenant needs their own policy.
Does tenant insurance cover bicycles?
Many policies cover bikes as personal property, but check for coverage limits or exclusions.
Does my landlord need to see my insurance policy or just confirmation?
Usually, landlords only require proof of insurance, such as a certificate or policy summary.
What official board handles rental disputes in Manitoba?
The Residential Tenancies Branch (RTB) handles tenancy disputes in Manitoba.
What law governs tenant insurance issues in Manitoba rentals?
The Residential Tenancies Act (CCSM c. R119) is the key legislation.
Can I refuse to provide proof of insurance?
If your lease requires it, refusing to provide proof may violate your agreement.
Who pays if my personal property is damaged by a neighbour?
You can claim under your tenant insurance. Your insurer may try to recover costs from the neighbour.
What form do I use to dispute an eviction notice over insurance?
Use the Application for Order of Possession (Form 13) to contest eviction. Submit to the RTB.
How quickly must I get tenant insurance after moving in?
If your lease requires it, you must get coverage by the move-in date or as specified in your agreement.
How do I file a claim for damaged property?
Contact your insurance company, complete their claim form, and submit required documents.
Can I cancel my tenant insurance mid-term?
Yes, but check your lease for ongoing insurance requirements.
If I don’t have insurance, can my landlord deduct damage costs from my deposit?
Yes, a landlord can deduct for damage you cause, regardless of insurance. Insurance covers losses above your deposit.
Are students in residence covered by their parents’ insurance?
Sometimes, but not always. Check with your insurance provider for student coverage details.
What coverage do I need if I work from home?
Home businesses need special coverage; standard tenant insurance may not cover business equipment or liability.
My landlord asks to be named on my insurance. Is this allowed?
Landlords can require themselves as “additional interest” (notice holder), but not as insured parties.
Do I need tenant insurance for short-term rentals?
It is often recommended, and some landlords may require it even for short-term tenancies.
How can I get affordable tenant insurance?
Compare quotes from multiple insurers and consider higher deductibles to lower premiums.
What is a certificate of insurance?
It’s a document from your insurer confirming your coverage details, often required by landlords.
Are electronics and valuables covered?
Most policies cover personal electronics, but may have limits for high-value items. You can add extra coverage if needed.
Where can I get more information on my rights about insurance?
Visit the Residential Tenancies Branch for official guides and tenant rights information.

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Bob Jones
Bob Jones

Editor & Researcher, Tenant Rights Canada

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for renters everywhere.

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