Many renters in New Brunswick keep pets and want clear guidance on who pays for accidental damage. This article explains how tenant insurance and pet damage coverage typically work, what landlords may reasonably expect, and practical steps tenants can take if a pet causes harm to a rental unit. You will learn how to document damage, when to tell your landlord, how claims affect security deposits and liability, and where to get official forms or tribunal help in New Brunswick. The goal is to give tenants plain-language advice so you can protect your rights and limit financial risk while keeping your pet at home.
How pet damage coverage works
Tenant or renters insurance commonly offers property and liability protection. Pet damage can be covered under the contents portion (repair or replacement of your belongings) or under liability coverage if your pet causes damage to the rental unit or to a neighbour's property. Policies differ: some explicitly exclude certain breeds or types of animals, while others add a small surcharge for pets. Always check your policy details and speak to your insurer about specific pet incidents before assuming coverage.
Typical coverages to look for
- Payment for repairs to flooring, doors, or fixtures caused by accidental pet damage.
- Coverage for damage to a neighbour's property or common areas if your pet causes harm.
- Liability protection for veterinary or third-party claims if a pet injures someone.
What landlords can and cannot require
Landlords can set reasonable pet rules in the lease, such as requiring pets to be registered or specifying weight limits, but they cannot demand illegal or discriminatory conditions. They may ask for an additional pet deposit or pet damage insurance, but provincial rules control what can be charged or withheld from a security deposit. If your lease requires pet damage coverage, ask for written proof of the specific policy terms and limits before signing.
Protecting your security deposit
To avoid deposit disputes, document the unit condition when you move in and out. Use the official initial inspection process and the final inspection checklist to record existing wear and any new pet-related damage. If you want guidance on documenting pre-existing condition, see the Guide to the Initial Rental Property Inspection for Tenants.
Making a claim and handling repairs
If a pet causes damage, follow these steps: tell your landlord promptly, take dated photos and videos as evidence, and contact your insurer to report the claim. Your insurer will explain if repairs are covered and whether your deductible applies. If the landlord charges you for repairs, request an itemized invoice and receipts. Keeping records improves outcomes at claim time and if the matter goes to the tribunal.[1]
- Notify your insurer promptly and follow their claim instructions.
- Collect dated photos, videos, and any witness statements.
- Get repair estimates and ask your landlord for invoices before deducting from your deposit.
When to consider the Residential Tenancies Tribunal
If you and your landlord cannot agree about responsibility for pet damage or whether repairs are reasonable, you can apply to the provincial Residential Tenancies Tribunal for a decision. The tribunal handles disputes about deposits, repairs, and landlord claims. Apply using the tribunal application form and include your documentation, photos, receipts, and any communication with the landlord. See the official tribunal for process details and deadlines.[2]
FAQ
- Does landlord permission make pet damage my responsibility?
- If your lease allows pets, you are still responsible for damage your pet causes; documentation and insurance can limit your financial exposure.
- Can a landlord require tenant insurance that covers pets?
- Yes, leases can require tenants to carry renters insurance with liability coverage, including pet liability, but the requirement must be in the written lease.
- Will a pet-related insurance claim raise my premiums?
- Possibly; insurers consider claim history when setting premiums, so weighing repair costs against potential premium increases is important.
How-To
- Check your lease and insurance policy to confirm required coverages and exclusions.
- Document the damage with dated photos, videos, and written notes.
- Notify your landlord and your insurer in writing, keeping copies of all messages.
- Obtain repair estimates and share invoices to support any deposit or claim dispute.
- If you cannot resolve the issue, apply to the Residential Tenancies Tribunal with your evidence and claim form.[3]
Help and Support / Resources
- Residential Tenancies Tribunal - Service New Brunswick
- New Brunswick Department of Justice
- Tenant information and forms - Government of New Brunswick
- [1] Residential Tenancies Tribunal - Service New Brunswick
- [2] New Brunswick Department of Justice
- [3] Tenant information and forms - Government of New Brunswick
Additional resources: Search pet-friendly rentals on Houseme.ca and consult your insurer to confirm coverage details.
