Many renters in New Brunswick are unsure whether they need tenant insurance, or what could happen if they go without it. While tenant insurance isn’t mandatory by provincial law, landlords can require it in your lease agreement. Being uninsured could expose you to significant financial and legal risks. This article explains what you face by not having tenant insurance in New Brunswick, how it impacts your rights, and helpful steps to protect yourself as a tenant.
What Is Tenant Insurance—and Is It Required in New Brunswick?
Tenant insurance is a policy that covers your personal belongings (like clothing, electronics, and furniture) and protects you from liability if someone is hurt in your rental or if you accidentally cause property damage. In New Brunswick, the government does not require tenant insurance by law. However, it’s increasingly common for landlords to include a requirement for tenant insurance as a condition of your rental agreement.
If your lease requires insurance and you don’t have it, you could be violating the agreement. For more information on what happens after you sign, see What Tenants Need to Know After Signing the Rental Agreement.
Main Consequences of Not Having Tenant Insurance
Choosing not to carry tenant insurance in New Brunswick can come with several serious risks:
- Personal Liability: If you accidentally cause a fire, water damage, or someone gets injured in your unit (like slipping and falling), you could be held responsible for the costs. Tenant insurance covers these scenarios, but without it, you’d pay out of pocket.
- No Coverage for Your Belongings: If your rental is damaged by fire, theft, or other perils, your landlord’s property insurance does not cover your personal possessions. Replacing your belongings could cost thousands of dollars.
- Potential Breach of Lease: If your lease requires insurance and you cannot show proof, your landlord may have grounds to evict or refuse to renew your lease.
- No Alternative Accommodation Coverage: Many tenant insurance policies include additional living expenses—covering your costs if you must leave the unit temporarily after a fire or flood. Without insurance, you’ll pay these costs yourself.
Landlord Responsibilities and Tenant Insurance
Your landlord is responsible for property maintenance and building insurance, but they are not liable for your personal items or for injuries you cause. For a deeper look at landlord-tenant obligations, visit Obligations of Landlords and Tenants: Rights and Responsibilities Explained.
Real-Life Scenarios: When Lack of Tenant Insurance Matters
- Accidental Fire: You leave a candle unattended, causing a fire that damages your unit and neighbouring apartments. If uninsured, you could be sued for damages—sometimes exceeding tens of thousands of dollars.
- Theft or Vandalism: Your apartment is broken into and electronics are stolen. Without tenant insurance, there’s no coverage to help you replace your items.
- Flood or Water Damage: A washing machine overflows and damages both your apartment and a neighbour’s ceiling. If found liable, you’d have to pay for the repairs yourself.
Tenant tip: Even if your landlord’s insurance covers the building, your own coverage is the only way to protect your possessions and your legal liability.
Tenant Insurance and Your Lease
If your rental agreement specifically requires tenant insurance, make sure you get proof of coverage before moving in and provide it promptly to your landlord. This is usually considered part of your responsibilities as a tenant. If you don't, your landlord could take steps under the lease agreement and New Brunswick’s Residential Tenancies Act1.
Is Tenant Insurance Needed for Roommates or Shared Housing?
If you have roommates, you can sometimes share a policy, but each person may be required to have their own policy. Check your lease and speak with an insurance provider for tailored advice.
How to Find Tenant Insurance
Tenant insurance is typically affordable—usually ranging from $15 to $30 per month depending on coverage. Compare quotes from reputable providers and always read the policy terms carefully. Ensure your policy covers your specific needs, including high-value items or pets, if needed.
What to Do If Your Landlord Demands Proof of Insurance
If your landlord is asking for proof of insurance, you may need to provide a certificate from your insurer. If you cannot obtain insurance due to unique circumstances, discuss possible alternatives with your landlord.
What Official Forms Might Be Required?
- Form 6: Notice to Terminate a Tenancy—Failure to Meet Obligations
If you refuse or fail to secure tenant insurance when required by your lease, your landlord could use this form to begin ending your tenancy.
View Form 6 on the New Brunswick Government site. This is generally delivered after giving proper written warning per your lease.
The New Brunswick Residential Tenancies Tribunal
If you have a dispute relating to tenant insurance requirements, or face eviction for not obtaining insurance, you can contact the Residential Tenancies Tribunal of New Brunswick for help.
For a complete overview of local laws and your rights as a tenant, see Tenant Rights and Landlord Rights in New Brunswick.
To find rental homes requiring or not requiring tenant insurance, Browse apartments for rent in Canada with a wide range of up-to-date listings.
Frequently Asked Questions
- Is tenant insurance mandatory by law in New Brunswick?
No. Tenant insurance is not required by provincial legislation, but your landlord can include it in your lease agreement. - Can a landlord evict me for not getting tenant insurance?
If your lease requires insurance and you do not comply, your landlord may issue a notice to terminate the tenancy using Form 6, after giving proper notice. - Does tenant insurance cover building repairs?
No. Tenant insurance only covers your belongings and your liability—not repairs to the property itself. The landlord’s insurance covers the building structure. - How do I get tenant insurance?
Shop around for quotes from insurance companies online or through brokers. Choose a policy that matches your needs and budget. - What if I can’t afford tenant insurance?
If insurance is a requirement in your lease, discuss your financial situation with your landlord. Some non-profits may offer advice or resources for low-income tenants.
Summary: What You Need to Know
- Tenant insurance isn’t required by New Brunswick law but may be in your lease
- Being uninsured leaves you exposed to costly personal liability and loss of your possessions
- If your lease requires insurance and you don’t have it, your tenancy could be at risk
Review your lease, know your rights, and consider getting tenant insurance to safeguard your financial future.
Need Help? Resources for Tenants
- New Brunswick Residential Tenancies Tribunal: Information, forms, and assistance (Phone: 1-888-762-8600)
- Official Government of New Brunswick Residential Tenancies Page
- Local tenant support organizations or legal aid may assist with insurance disputes.
