Top 50 Tenant Insurance & Liability Questions in Nova Scotia

Tenant Insurance & Liability Nova Scotia published June 26, 2025 Flag of Nova Scotia
Is tenant insurance required by law in Nova Scotia?
No, tenant insurance is not legally required, but many landlords include it as a lease condition.
Can my landlord force me to buy tenant insurance?
Landlords can require insurance as a lease term, but it cannot be forced by law.
What does tenant insurance cover?
It usually covers your personal belongings, liability, and sometimes additional living expenses if you can't stay in your home due to damage.
Who pays for damage to my personal property in a rental?
You are responsible for your personal property unless the landlord was negligent.
Am I liable if my guest damages the property?
Yes, tenants are responsible for damage caused by their guests.
Does my landlord’s insurance cover my belongings?
No, landlord insurance only covers the building and landlord’s property, not your possessions.
What is liability coverage?
Liability coverage protects you if you accidentally cause damage to the rental or to someone else’s property or injury.
Do I have to give proof of tenant insurance to my landlord?
Yes, if it’s required in your lease, your landlord can ask for proof of insurance.
What happens if I can’t get tenant insurance?
You should discuss alternatives with your landlord; unwillingness to obtain may breach your lease condition.
Can my landlord evict me for not having tenant insurance?
Yes, if insurance is required in your lease, not having it could be grounds for eviction.
Does tenant insurance cover bed bugs or pests?
Most tenant insurance doesn’t cover damage or loss due to pests like bed bugs.
How much does tenant insurance usually cost?
Typical costs range from $15 to $35 per month, depending on coverage and location.
Do I need tenant insurance if I live in student housing?
It’s often recommended, and some student housing providers require it.
Will tenant insurance cover my roommate’s belongings?
Not unless your roommate is named on the same policy.
What is the minimum liability coverage I should get?
Many policies require at least $1 million in liability, but check your lease and insurer for specific requirements.
Does tenant insurance cover water damage?
It often covers accidental water damage to your contents, but check your policy for details.
If my rental is destroyed in a fire, does insurance cover my temporary living expenses?
Many policies have “Additional Living Expense” coverage for this scenario.
Does tenant insurance cover theft of my property?
Yes, theft of your personal belongings is usually covered.
What does tenant liability mean?
It means you may be responsible for damage or injury in your unit caused by negligence.
Where can I find official tenant information for Nova Scotia?
The Nova Scotia Residential Tenancies Program provides official information.
What legislation governs tenant insurance matters in Nova Scotia?
The Residential Tenancies Act (Chapter 401) governs residential tenancies.
What can I do if my landlord is demanding proof of insurance not required by my lease?
Refer them to your lease and the Residential Tenancies Program for clarification.
How do I dispute a landlord's eviction for lack of insurance?
File a dispute with the Residential Tenancies Program using Form K – Application to Director (Form K).
What if my insurance company denies my claim?
File a complaint with the insurer first; if not resolved, contact the Nova Scotia Office of the Superintendent of Insurance.
Is flooding covered by tenant insurance?
Flooding is usually not covered unless you buy special insurance.
If my property is stolen from my unit, who is responsible?
You are responsible for your belongings but may be covered by your insurance policy.
Can my landlord charge me a fee for not having insurance?
They cannot charge a fee, but may enforce lease terms about insurance.
What official forms are needed for tenancy disputes?
Use Form K for most disputes, such as evictions or disagreements about insurance.
Can my landlord recommend an insurance provider?
They can recommend, but cannot require you use a specific company.
Does tenant insurance cover accidental damage I cause?
Yes, liability coverage may pay for accidental property damage you cause.
Are pets covered under tenant insurance liability?
Some policies include pet liability, but always check your specific coverage.
If my landlord’s negligence causes damage, does tenant insurance cover me?
Your policy may cover you, but you could also seek compensation from the landlord for negligence.
Can my landlord increase rent due to insurance requirements?
No, rent increases must follow rules under the Residential Tenancies Act and not be tied to insurance.
Does tenant insurance cover my bicycle or sports equipment?
Personal belongings like bikes are typically covered, but check your policy limits.
Will tenant insurance cover damage from earthquakes?
Earthquake coverage is not standard and must be purchased separately.
Do I need insurance if my parents already have it and I am a dependent?
Dependent students living away may be covered by their parents’ policy; confirm with the insurer.
How do I update proof of insurance during my lease?
Provide a new certificate to your landlord if you change or renew your policy.
What should I do if my landlord keeps my deposit after an insurance dispute?
Apply for return of your deposit using Form K with the Residential Tenancies Program.
Can I appeal an eviction for insurance non-compliance?
Yes, file for a hearing with the Residential Tenancies Program using Form K.
My landlord’s insurance increased. Does it affect my lease?
No, your landlord’s policy changes shouldn’t affect your own obligations.
How much coverage do I need for belongings?
Inventory your items and discuss coverage limits with your insurer for full protection.
Can I cancel my insurance if I move?
Yes, but notify your insurer and your landlord (if required by lease).
Do I need insurance for a short-term or month-to-month rental?
It is still recommended, and requirements depend on your lease agreement.
Does tenant insurance cover vandalism to my property?
Yes, vandalism-related losses to personal property are often covered.
Who do I contact for tenancy disputes in Nova Scotia?
Contact the Residential Tenancies Program for disputes and assistance.
Where do I find official forms for tenancy issues?
Official forms, like Form K, are on the Nova Scotia government website.
What steps do I take to dispute a charge for damages?
File an application for hearing with the Residential Tenancies Program using Form K.
Does Nova Scotia have a tenant ombudsman?
Nova Scotia does not have a tenant ombudsman, but the Residential Tenancies Program assists with disputes.
What is the official name of the board for tenancy issues in Nova Scotia?
The Residential Tenancies Program handles all tenancy matters.

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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 renters everywhere.

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