Is tenant insurance legally required in Nova Scotia?

Tenant insurance is not a legal requirement in Nova Scotia, but landlords can require it as part of the lease agreement.

Does basic tenant insurance cover floods?

Standard tenant insurance typically does not cover overland flooding. Special endorsements may be needed for flood coverage in Nova Scotia.

Who pays for temporary housing if my rental is uninhabitable after a disaster?

If your insurance includes additional living expenses, that covers temporary housing. Otherwise, tenants should speak to landlords or seek support from emergency services.

How do I file a complaint if repairs after a flood or fire are not done?

You can file an Application to Director (Form D) through the Residential Tenancy Program, providing all necessary evidence.

Tenant Insurance for Flood & Fire in Nova Scotia Rentals

Tenant Insurance & Liability Nova Scotia published June 19, 2025

Unexpected disasters like floods and fires are an unfortunate reality for many Nova Scotia tenants. With rising severe weather and the risk of property damage, it’s vital for renters to understand how tenant insurance works and what special coverage may be needed. This guide covers insurance basics, your legal rights, and practical steps to safeguard your home in Nova Scotia.

Why Flood and Fire Coverage Matters for Renters

Most landlords have property insurance for the building’s structure. However, that coverage does not protect your personal belongings or liability as a tenant. Standard tenant (renter’s) insurance usually covers:

Your personal property (furniture, clothes, electronics, etc.) from losses due to theft, fire, or certain types of water damage
Liability in case someone is injured or their property is damaged due to something that happens in your unit (ex: fire you accidentally cause)
Additional living expenses (ALE) if your home becomes uninhabitable due to a covered event

However, not all policies automatically cover every risk. Floods and water damage in particular often require special attention.

Flood Insurance: What Nova Scotia Tenants Need to Know

"Flood" in insurance terms usually means damage from overland water (e.g., rising rivers, heavy rainfall, or storms). Standard tenant insurance policies in Nova Scotia typically do not include overland flood coverage. Instead:

You may need to request an endorsement (add-on) for overland flood or sewer backup protection
Policies may differ—read every policy carefully and ask your insurer about specific flood coverage
If your unit is below ground level (basement apartment), flood risks and exclusions may be higher

To minimize loss:

Document your personal belongings with photos or video
Store valuables higher off the floor if at risk for flooding

Fire Risks and Tenant Protection

Fire is a leading cause of loss for tenants. Standard tenant insurance in Nova Scotia covers fire damage to your belongings, but:

Negligence (for example, leaving a candle unattended) could affect your claim
Tenant liability insurance may help if a fire you cause damages other units

Tip: Ensure all smoke detectors in your unit are working. Report any inoperable detectors to your landlord immediately, as this is a health and safety requirement. See Health and Safety Issues Every Tenant Should Know When Renting for more on your responsibilities.

Tenant and Landlord Roles: Who Covers What?

Under Nova Scotia’s Residential Tenancies Act (RTA), landlords are responsible for insuring the building and rental unit structure. Tenants are responsible for insuring their own belongings and liability. Your lease may require proof of tenant insurance, particularly for higher-risk units.

Both parties must also address repairs and emergencies promptly. Learn more at Emergency Situations and Repairs: Tenant Rights and Responsibilities.

What Happens After a Disaster?

If you experience damage from a flood or fire:

Notify your landlord and your insurance provider right away
Document all damage with photos/video before cleaning up
Request to see the building’s safety inspection and insurance claim process if the damage is extensive
Seek help from the Nova Scotia Residential Tenancy Program if you have questions about repair timelines or your rights

For tenants facing relocation during repairs, ask your insurer about "additional living expenses" coverage.

Relevant Forms and the Tenancy Tribunal

In Nova Scotia, the Residential Tenancy Program (RTP) oversees tenant and landlord disputes. If you have issues—such as your landlord not addressing uninhabitable conditions from fire or flood—you may file an application.

Form: Application to Director (Form D)
- When to use: If you need an official order (e.g., for repairs, compensation for loss of use, or to terminate your lease due to major damage)
- How to file: Download the form from the Nova Scotia Form D official site. Submit in person, by mail or online as directed.
- Example: If your apartment is unlivable after a fire and your landlord refuses to release you from the lease, you can use Form D to request a hearing.

Be prepared with copies of insurance documents, photos, and communications with your landlord if filing a complaint.

Know Your Rights as a Nova Scotia Tenant

For a full overview of your housing rights in the province, see Tenant Rights and Landlord Rights in Nova Scotia.

Want to see what other rental homes are available or learn about coverage required in different cities? Browse apartments for rent in Canada easily, coast to coast.

FAQ: Nova Scotia Tenants and Insurance Coverage

Is tenant insurance legally required in Nova Scotia?
Tenant insurance is not mandated by provincial law. However, most landlords can require it as a condition of the lease. Always check your lease agreement or ask your landlord.
Does basic tenant insurance cover floods?
Typically, standard tenant insurance does not cover overland flooding. You may need to add extra coverage. Always ask your insurer about specific flood protection.
What should I do if a fire or flood damages my belongings?
Report the damage to your landlord and insurance company immediately. Document everything and keep a record of expenses. Contact the Residential Tenancy Program if you need help with repairs or an uninhabitable unit.
Who pays for temporary housing if my unit is uninhabitable?
If your policy includes "additional living expenses," your insurer will cover eligible costs. If not, you may need to negotiate with your landlord or seek support from emergency services.
How can I file a complaint if my landlord doesn't make needed repairs after a flood/fire?
You can apply for an official order using Form D through the Residential Tenancy Program. Include all evidence and details about your situation.

Key Takeaways for Nova Scotia Renters

Standard tenant insurance usually does not cover overland floods – ask about special endorsements
Fire coverage and liability are included in most policies, but details vary
Document your belongings, know your rights, and take action quickly during emergencies

Securing appropriate coverage and understanding your responsibilities can help protect you from financial and legal headaches after a disaster.

Need Help? Resources for Tenants

Nova Scotia Residential Tenancy Program – Provincial authority for tenant disputes and questions
Apply for an Order of the Director (Form D)
Insurance Bureau of Canada – Information on tenant insurance and coverage types
Tenant Rights and Landlord Rights in Nova Scotia – Your rights and responsibilities