Renters in New Brunswick often ask whether a landlord can insist on renters insurance before or during a tenancy. The provincial Residential Tenancies rules do not typically force tenants to buy a policy, but a written lease can require it; understanding how that works helps tenants protect belongings and liability. This article explains what landlords can ask for, what typical renters insurance covers, how tenants can show proof, and practical steps to respond if your lease demands insurance. It also points to official New Brunswick forms and the tribunal for disputes, so you know where to get authoritative help and file applications if needed.
Can a landlord require renters insurance in New Brunswick?
In New Brunswick a landlord can include a clause in the written lease asking tenants to carry renters insurance. That clause is a contractual term, so if you sign a lease that requires insurance you are normally bound by that requirement for the lease term. The provincial tenancy law itself regulates core landlord and tenant obligations but does not universally mandate renters insurance for all tenants.[1]
What does renters insurance usually cover?
Renters insurance policies vary, but most policies include three main elements. Knowing these helps tenants decide what level of coverage they need and whether a landlord's requirement is reasonable.
- Personal property: covers loss or damage to belongings from risks such as fire, theft or certain water damage.
- Liability: helps pay if a guest is injured in your unit or you accidentally damage someone else’s property.
- Additional living expenses: pays reasonable temporary housing if the unit becomes uninhabitable after an insured loss.
If a landlord requires a specific minimum coverage amount, confirm that amount in writing and shop policies that meet it. Keep a copy of the policy declarations and the insurer’s contact information to share as proof.
How to show proof of insurance and what landlords can reasonably request
Landlords commonly ask for a copy of the policy declarations page or a certificate of insurance naming the tenant as the insured. They may also request that the insurer add the landlord as an "interested party" so the landlord receives notice if the policy is cancelled. Tenants should refuse to sign away their right to make claims or to accept unreasonable demands such as waiving privacy rights.
When you should provide proof
- If the lease requires insurance, provide proof before the lease start date or within any deadline stated in the lease.
- If you renew or change insurers, give the updated declarations or certificate promptly.
What to do if you don’t have insurance but the lease requires it
First, check whether the insurance clause was in the signed lease. If it is, get quotes and secure a policy that meets the requirement. If you cannot afford the premium, discuss options with your landlord in writing—sometimes landlords will accept evidence of a policy application or agree to a slightly lower limit temporarily. If the landlord threatens eviction solely for not having insurance, you can seek help from the tribunal listed below.[2]
Common tenant questions
- Does renters insurance cover damage the landlord caused?
- No. Renters insurance covers the tenant’s belongings and liability. Damage caused by a landlord’s actions or failure to maintain the property is usually addressed through repair requests, landlord obligations or a tribunal application.
- Can a landlord require that they be named as an additional insured?
- Landlords may ask to be listed as an "interested party" to receive cancellation notices, but asking to be named as an additional insured on a tenant’s policy is uncommon and may not be appropriate; discuss with your insurer and landlord if requested.
- What if the lease was signed without an insurance clause but landlord now asks for insurance?
- If the lease does not include an insurance clause, the landlord cannot unilaterally add a new mandatory condition during a fixed-term tenancy without your written agreement; new requirements typically apply after renewal or at lease signing.
How-To
- Check your lease for any insurance clause and note any deadlines or minimum coverage amounts.
- Get multiple quotes from licensed Canadian insurers and compare included perils and limits.
- Purchase a policy and obtain the declarations page or certificate of insurance from your insurer.
- Provide a copy of the declarations page to your landlord as proof and keep a copy for your records.
- If a dispute arises about a lease insurance requirement, contact the Residential Tenancies Tribunal and follow the official application steps.
Key Takeaways
- Landlords in New Brunswick can require renters insurance if the lease includes a clear clause.
- Tenants should keep a copy of the declarations page and provide proof before any lease deadline.
- Open, written communication with your landlord helps prevent misunderstandings about insurance requirements.
Help and Support / Resources
- Residential Tenancies Tribunal, Government of New Brunswick
- Residential Tenancies Act, New Brunswick
- Official forms and applications for the Residential Tenancies Tribunal
For rental search help when you are budgeting for insurance or moving, Find rental homes across Canada on Houseme to compare options and locations.
