Consequences of Not Having Tenant Insurance in Newfoundland and Labrador

Tenant insurance is not legally required in Newfoundland and Labrador, but choosing to rent without it can lead to significant financial and legal risks. Whether you're signing a new lease, renewing your agreement, or just moved into your place, understanding the impact of not having coverage can save you future hardship. This guide breaks down what tenants in Newfoundland and Labrador need to know, the provincial laws involved, and what could happen if you skip tenant insurance.

What Is Tenant Insurance and Why Do Landlords Ask for It?

Tenant insurance, often called renter’s insurance, is a policy renters can buy to cover personal belongings, liability (if someone is injured on the property), and sometimes extra living expenses if your unit becomes uninhabitable. While Newfoundland and Labrador’s Residential Tenancies Act does not require it, many landlords include it as a condition in the lease for added security.

What Can Happen If You Don’t Have Tenant Insurance?

If you’re renting without insurance, here are some of the main consequences you could face:

• Loss or damage to your personal property: If a fire, flood, or theft damages your belongings, you’ll need to pay out-of-pocket to replace everything. Landlords’ insurance only covers the building, not your stuff.
• Liability risk: If you accidentally cause damage to the rental unit (e.g., a kitchen fire) or someone is injured in your home, you could be responsible for large financial claims—sometimes tens of thousands of dollars or more.
• Additional living expenses: If your rental becomes unlivable after an event (like a fire), tenant insurance can pay for alternate accommodation. Without it, you may be left scrambling for expensive short-term housing.
• Lease implications: Some landlords may require proof of insurance. Not complying could result in your rental application being denied or a breach of your lease agreement.

How This Affects Your Lease and Tenant Rights

If your lease requires tenant insurance and you don’t provide proof, it can be seen as a violation of lease terms. The landlord may serve a notice for breach and, if unresolved, potentially apply for eviction with the Residential Tenancies Office of Newfoundland and Labrador.¹ It’s essential to understand your responsibilities. For a full list of rights and duties, see Obligations of Landlords and Tenants: Rights and Responsibilities Explained.

Official Forms and How to Use Them

Currently, there is no specific provincial form required for tenant insurance in Newfoundland and Labrador. However, if you face an issue related to insurance, such as a landlord trying to end your tenancy for not having insurance per your lease, these forms may apply:

• Application for Dispute Resolution (Form 6): Use this if you want to dispute a landlord’s action related to insurance requirements or eviction. Get Form 6 from the Newfoundland and Labrador Residential Tenancies Office. Practical example: If you are threatened with eviction for not providing insurance and want to contest this, submit this form as soon as possible with supporting documents.
• Notice to Terminate a Rental Agreement by Landlord (Form 12): If a landlord serves this notice for breach of lease (including lack of required insurance), you will receive this form. It’s important to act quickly—seek advice or file an application (Form 6) if you want to dispute the notice. View Form 12 here.

If you’re unsure about whether insurance is required or what to do if you receive a notice, review your lease and contact the Residential Tenancies Office directly.

Can Landlords Force You to Buy Insurance?

Newfoundland and Labrador law does not require tenant insurance. However, if your lease includes an insurance clause that you agreed to, the landlord can require you to provide proof. If you refuse, this could be considered a breach of your rental agreement. Navigating these disputes can be challenging, so reviewing your lease carefully is important before signing. For more on what to check after you sign, see What Tenants Need to Know After Signing the Rental Agreement.

Protecting Yourself as a Tenant

• Read your lease for any insurance requirements before signing.
• If asked for proof, shop around—many tenant insurance policies are inexpensive and can be arranged quickly.
• Keep copies of your insurance documents and communications with your landlord.
• For those seeking a new place, Find rental homes across Canada on Houseme for listings that may list whether insurance is required.

Having insurance is an affordable way to avoid unexpected expenses and protect yourself from costly accidents or losses.

What Does Tenant Insurance Typically Cover?

Most tenant insurance policies include:

• Personal property (clothes, electronics, furniture, etc.)
• Personal liability coverage for injury or accidental damage to the rental property
• Additional living expenses if your unit is uninhabitable

Each provider and policy is different—confirm details before you buy.

Where Can Tenants Turn for Help?

Tenants facing disputes about insurance or lease requirements should contact the Residential Tenancies Office. You can file an application for dispute resolution if needed.

More Facts About Renting in Newfoundland and Labrador

Want to learn more? Visit the Tenant Rights and Landlord Rights in Newfoundland and Labrador page for a complete overview of your rights, responsibilities, and where to get support.

FAQ: Tenant Insurance and Renting in Newfoundland and Labrador

1. Is tenant insurance required by law in Newfoundland and Labrador?
   No, it is not required by law, but landlords may include it as a lease condition.
2. If my landlord’s building insurance covers the property, do I still need my own?
   Yes—your landlord’s policy won’t cover your personal property or your liability if you cause damage or injury.
3. Can I be evicted for not having tenant insurance?
   If your lease specifically requires it and you refuse to provide proof, it can be treated as a lease violation and could lead to eviction proceedings.
4. What should I do if I get a notice for not having tenant insurance?
   Review your lease and immediately contact the Residential Tenancies Office for advice. You have the right to dispute the notice if you believe it is unfair.

Key Takeaways

• Tenant insurance offers crucial protection but is not a legal requirement in Newfoundland and Labrador.
• Not having insurance can put you at financial risk, impact your rental agreement, and potentially lead to eviction if it breaches lease terms.
• Read your lease carefully, know your provincial rights, and seek help from official resources when needed.

Need Help? Resources for Tenants

• Residential Tenancies Office of Newfoundland and Labrador – Call 709-729-2608 or email rtb@gov.nl.ca for dispute resolution or questions about rental law.
• Residential Tenancies Act, Newfoundland and Labrador – Full text of the legislation governing tenancies.
• Tenant Rights and Landlord Rights in Newfoundland and Labrador – Provincial fact page for tenants.

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1. Residential Tenancies Office: Official Website
2. Residential Tenancies Act, NL: Read the full legislation

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