Top 50 Questions: Tenant Insurance & Liability in New Brunswick

Tenant Insurance & Liability New Brunswick published June 26, 2025 Flag of New Brunswick
Is tenant insurance required by law in New Brunswick?
No, tenant insurance is not legally required, but many landlords ask for it in the lease agreement.
Can my landlord make tenant insurance mandatory?
Yes, landlords can require tenant insurance as a condition in your lease.
What does tenant insurance cover?
It typically covers your belongings, liability for damage, and sometimes living expenses if you're temporarily displaced.
What is liability insurance for tenants?
Liability insurance protects you if you're found responsible for damage to the property or injuries to others.
Do I need insurance if my landlord has property insurance?
Yes, your landlord's insurance only covers the building, not your personal belongings.
Does tenant insurance cover roommates?
Usually only the policyholder and listed people are covered. Roommates should get separate policies.
How much does tenant insurance cost in New Brunswick?
It varies, but often ranges from $15-$35 per month depending on coverage.
What happens if I don't get required tenant insurance?
If your lease requires it and you don't have it, you may be in breach and risk eviction.
Does tenant insurance cover accidental damage I cause?
Yes, if you have liability coverage as part of your policy.
Does tenant insurance protect against theft?
Yes, most tenant insurance policies cover stolen property.
What if my guest causes damage?
You're usually liable, but your insurance may cover certain damages caused by guests.
Are floods or water damage covered by tenant insurance?
Basic policies may not cover floods; check for optional water damage coverage.
Does tenant insurance renew automatically?
Most policies renew annually unless you cancel or change providers.
Can my landlord request proof of tenant insurance?
Yes, landlords can ask for proof if it's required in your lease.
What if my insurance lapses or is cancelled?
If required by lease, you could be in breach and face possible eviction.
Does tenant insurance cover fire damage?
Yes, it usually covers belongings lost in a fire and may cover liability if you're responsible.
Will my premium increase after a claim?
Possibly. Insurers may raise premiums after a claim is paid out.
Are pets covered by tenant insurance?
Some policies cover liability if your pet causes damage or injury. Check your policy details.
Can my landlord evict me for not having tenant insurance?
If your lease requires insurance and you fail to provide it, eviction could be possible.
What is the minimum coverage I should get?
It depends on your needs. Many landlords require at least $1 million in liability coverage.
Do I need tenant insurance in a furnished apartment?
Yes, to protect your personal belongings and for liability coverage.
Do students need tenant insurance?
Yes, if living off-campus or not covered under a parent’s policy.
Who regulates tenancies in New Brunswick?
Tenancies are overseen by the New Brunswick Residential Tenancies Tribunal.
Which law covers tenants’ rights in New Brunswick?
The Residential Tenancies Act governs tenancies and tenant rights.
What if my landlord’s negligence causes damage to my belongings?
You may claim against your insurance, then your insurer may recover costs from the landlord’s insurer.
Can my landlord force me to buy insurance from a specific company?
No, you can choose any licensed insurance provider.
What is "additional insured" on my insurance policy?
It means your landlord is notified if your policy is cancelled or lapses.
Does tenant insurance cover identity theft?
Some policies offer optional coverage for identity theft. Ask your provider.
Am I covered if I run a home business?
Personal tenant insurance usually doesn't cover business activities. You need separate coverage.
Does tenant insurance cover bed bugs or pests?
Most policies do not cover damage from pests or infestations.
Can my insurance limit what I store in my unit?
Yes, hazardous or expensive items might need extra coverage or may be excluded.
What documents should I keep for claims?
Keep receipts, pictures, and detailed lists of your belongings as proof.
What should I do after a loss or damage?
Report to your insurer promptly and document all losses with evidence.
Does tenant insurance cover damage to common areas?
Liability coverage may help if you cause damage to shared spaces.
Am I liable for my neighbours’ damages if a fire starts in my unit?
Yes, you may be liable and your tenant insurance should have liability coverage for such cases.
Does my lease have to state insurance requirements in writing?
Yes, insurance requirements must be included in the written lease to be enforceable.
Does tenant insurance cover outdoor property like bikes?
Some policies cover bikes, but check policy limits and exclusions.
Does tenant insurance cover moving to a new unit?
Some coverage may extend briefly to your new address. Inform your insurer when moving.
Can I get tenant insurance if I have past claims?
Yes, but insurance may cost more or have restrictions after several claims.
What is a deductible in tenant insurance?
It's the amount you pay out-of-pocket for a claim before insurance covers the rest.
Does tenant insurance cover temporary living costs?
Yes, most policies cover additional living expenses if your unit is uninhabitable after a covered loss.
Can I add a roommate to my policy later?
Check with your provider; some allow it, but it's best for each person to have their own coverage.
Does tenant insurance cover accidental injuries to visitors?
Yes, personal liability protection usually covers these situations.
Can a landlord charge me extra for not having insurance?
No, but they can enforce lease terms or begin eviction if insurance is required.
What forms are used for disputes about insurance requirements?
Use the Application for Determination of Dispute (Form 6A) if you and your landlord disagree on lease terms regarding insurance.
How do I file a dispute with the New Brunswick Residential Tenancies Tribunal?
Complete and submit Form 6A online or by mail, explaining your issue and supporting evidence.
How do I prove I have tenant insurance?
Provide a certificate of insurance or a policy document with your name and address to your landlord.
Are there penalties for not having insurance?
If it violates your lease, you could face eviction but there are no government fines.
Is there a standard form lease in New Brunswick?
No, but lease templates are available; insurance requirements should be included if needed.
Who do I contact with questions about tenant rights?
The New Brunswick Residential Tenancies Tribunal or Service New Brunswick can help.

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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 tenants everywhere.

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