Understanding who is responsible for insurance and liability can help renters in Newfoundland and Labrador avoid surprises and protect their rights. This article explains what types of insurance landlords commonly carry, what risks tenants should consider, how liability is determined after damage or injury, and when tenants can make claims or request repairs. It also walks through the official forms and tribunal options available to resolve disputes, practical steps to document incidents, and how to communicate effectively with your landlord. Whether you are renting a house, apartment, or condo, these clear, practical tips will help you spot gaps in coverage and take action to safeguard your personal property and safety.
What insurance landlords usually carry
Landlords commonly have building insurance that covers the physical structure and general liability insurance that can cover injuries or property damage to others. These policies usually do not cover tenants' personal belongings or liability for tenants' own actions.
- Building and property insurance that pays to repair structural damage.
- Liability insurance that can cover third-party injuries on the rental property.
- Optional loss-of-rent coverage that helps landlords recover income when a unit is uninhabitable.
Tenants should consider tenant insurance to protect personal belongings and cover liability for their own guests or accidental damage.
How liability is determined after damage or injury
Liability depends on cause and responsibility. If damage results from a landlord's failure to maintain the property, the landlord may be liable. If a tenant or their guest causes damage, the tenant's insurance or the tenant may be responsible. In disputes, the provincial tribunal reviews evidence, timelines, and legal obligations to decide responsibility.
- If damage is due to a maintenance problem the landlord knew about and did not fix, the landlord may be liable.
- If tenants document damage with photos and receipts, they strengthen their case.
- If a dispute cannot be resolved directly, either party can apply to the tribunal for a hearing[1].
Practical steps tenants should take
Follow clear steps after an incident so you preserve rights and insurance options. Start by notifying your landlord in writing, save receipts, and take photos and videos of damage. Keep copies of communications and dates.
- Contact your landlord promptly and explain the issue in writing, including dates and photos.
- Gather evidence: photos, videos, receipts, and witness names and contact details.
- If needed, use the official tribunal application process and forms to request a hearing or order[2].
Forms and official resources
Use official forms when asking the tribunal to review disputes. Commonly used items include the tribunal application and any prescribed notice forms for repairs or termination. Read instructions on the official government pages and attach evidence such as photos and receipts.
- Application to the Residential Tenancies Tribunal (use this to start a formal hearing; attach photos and copies of communications as your evidence)[2].
- Notice forms for repair requests or termination actions as found on the provincial pages; follow timelines and delivery rules closely[1].
- Record templates or checklists you prepare for the tribunal: dated photos, receipts, and a short timeline of events.
For landlords seeking more guidance on duties and best practices, see the Essential Guide for Landlords: Rights, Responsibilities, and Best Practices. Tenants who want to review local rights can also consult Tenant Rights and Landlord Rights in Newfoundland and Labrador.
If you are considering moving to a different rental with better protections or insurance-friendly buildings, you can Find rental homes across Canada on Houseme to compare listings and tenancy details.
FAQ
- Does landlord insurance cover my personal belongings?
- No. Landlord insurance typically covers the building and landlord liability but not a tenant's personal property; tenants should buy tenant insurance to protect belongings and personal liability.
- Can I claim against the landlord's insurance for water damage?
- If water damage results from the landlord's failure to maintain the property, you may be eligible to seek compensation through the landlord's insurer or the tribunal; document the damage and follow official forms and timelines[2].
- How do I start a tribunal application?
- Gather evidence, try to resolve the issue with the landlord in writing, then complete the tribunal's application form and submit it per the official instructions available on the provincial website[1].
How-To
- Gather evidence: take dated photos, save receipts, and keep copies of messages and repair requests.
- Contact the landlord in writing to request repairs or compensation and allow reasonable time for a response.
- Complete the tribunal application form, attach your evidence, and submit as directed on the government site[2].
- Attend the hearing or call-in, present your timeline and documents, and follow any orders the tribunal issues.
Help and Support / Resources
- Residential Tenancies Tribunal information and applications
- Official forms and guidance for tenants and landlords
- Residential Tenancies Act and related legislation
