Many tenants in New Brunswick see renter's insurance clauses in leases but are unsure what they really require. This guide explains, in plain language, typical clause types, what a landlord can and cannot demand, how to provide proof of coverage, and where to find provincial forms and help. It focuses on practical steps tenants can take if a clause seems unfair or unclear, including how to document communication and when to use the Residential Tenancies Tribunal. The tips here are aimed at helping renters protect their belongings, understand responsibilities, and resolve disputes without assuming legal expertise.
What renter's insurance clauses usually say
Leases commonly include clauses that ask tenants to carry renter's insurance, specify minimum liability limits, or require proof of insurance before move-in. Often these clauses try to shift responsibility for certain losses to the tenant, but provincial rules and fair housing practices limit what landlords can enforce.
How to tell if a clause is reasonable
Use these checkpoints when you review a lease clause. If the clause is vague or seems to require more than liability coverage, ask the landlord to explain what risks they expect you to cover and to provide written examples.
- Is the clause asking for a specific coverage amount or just "insurance"? Clear amounts are easier to meet.
- Does it require the landlord be listed as an additional insured or only as an "interested party"? Those are different.
- Does the lease ask for proof of insurance (a policy declaration or certificate)? Keep copies of any documents you submit.
- Does it demand coverage for landlord negligence or risks beyond tenant control? Such clauses may be unfair.
What tenants should do before signing
Before you sign, get clear answers in writing and, if needed, request a change to the clause so it reflects reasonable requirements. If a landlord demands proof, provide a declaration page from your insurer showing coverage type and limits rather than full policy details.
When landlords can require insurance in New Brunswick
Landlords in New Brunswick may include a clause asking tenants to hold renter's insurance, but the clause must not attempt to make tenants waive statutory rights or accept liability for the landlord's negligence. If you believe a clause overreaches, raise the issue with the landlord and keep a written record of communications.
How to prove coverage and what documentation to keep
Acceptable proof typically includes a policy declaration page or a certificate of insurance from your insurer naming the coverage type and liability limits. Never send original policies; keep copies and receipts of payments. If you provide documentation, ask for a dated receipt or written acknowledgement from the landlord.
- Keep a copy of the declaration page and payment receipt for the policy term.
- Request and save any landlord acknowledgement that they received your proof.
- Note renewal dates so you can provide updated proof before a policy lapses.
If a landlord refuses to accept reasonable proof
If a landlord refuses valid documentation or insists on unreasonable terms, escalate with clear written requests, and consider filing an application with the provincial Residential Tenancies Tribunal to resolve the matter.[1] You can also request that the clause be removed or modified as part of lease renewal negotiations; keep all correspondence.
Required provincial resources, legislation and forms
New Brunswick handles residential tenancy disputes through the Residential Tenancies Tribunal. The governing legislation and official forms explain how to make applications and what evidence to bring to a hearing. Read the Act and download the Tribunal application form before you file so you meet procedural requirements.[2][3]
FAQ
- Do I have to buy renter's insurance if my lease says so?
- No. A clause can ask you to obtain insurance, and many tenants choose to comply, but you can raise concerns about unfair terms with the landlord or the Residential Tenancies Tribunal.[1]
- What proof of insurance is acceptable?
- A policy declaration page or a certificate from your insurer showing coverage type, liability limits, and policy period is usually acceptable; keep copies and receipts.
- Can a landlord name themselves as "additional insured"?
- Landlords may request to be named as an additional insured or an interested party, but the specific requirement should be explained in the lease; ask for clarification and consider seeking Tribunal guidance if it seems excessive.
How-To
- Gather your policy declaration page, insurer contact, and payment receipt.
- Send the declaration to your landlord with a dated cover note and request written acknowledgement.
- If the landlord rejects valid proof, prepare an application and file with the Residential Tenancies Tribunal using the official form linked below.[3]
- Attend mediation or the Tribunal hearing with copies of all documents and a clear timeline of events.
Key Takeaways
- Read and clarify any insurance clause in writing before signing the lease.
- Provide a declaration page as proof and keep receipts and acknowledgements.
- Use the Residential Tenancies Tribunal if you cannot resolve a dispute with your landlord.
Help and Support / Resources
- Residential Tenancies Tribunal - Government of New Brunswick
- Residential Tenancies legislation and guidance - Government of New Brunswick
- [1] Residential Tenancies Tribunal - Government of New Brunswick
- [2] Residential Tenancies Act - Government of New Brunswick
- [3] Forms and applications for Residential Tenancies Tribunal - Government of New Brunswick
Additional tenant resources: Understanding Rental Deposits: What Tenants Need to Know and Obligations of Landlords and Tenants: Rights and Responsibilities Explained. Also consider searching listings and rental options: Explore Houseme for nationwide rental listings.
