Top 50 Questions: Tenant Insurance & Liability in Quebec

Tenant Insurance & Liability Quebec published June 26, 2025 Flag of Quebec
Is tenant insurance mandatory in Quebec?
No, tenant insurance is not legally required in Quebec, but landlords may require it in your lease.
Can my landlord force me to get tenant insurance?
If your lease says so, you must get insurance or the landlord could claim a lease breach.
What does tenant insurance cover?
It covers your personal belongings, third-party liability, and sometimes temporary living expenses after a loss.
Who is responsible for insuring the building in Quebec?
Your landlord must insure the building structure, not your belongings.
Does tenant insurance cover roommates?
No, unless their name is included on the policy. Each should get their own policy or be named.
Will tenant insurance cover damage I accidentally cause to my apartment?
Yes, if you have liability coverage, it covers damage to your unit or others’ property.
Should I keep proof of tenant insurance for my landlord?
Yes, provide a copy or certificate to your landlord if asked or required in your lease.
What happens if I don’t have tenant insurance and there’s a fire?
You may have to pay for your losses or damages you cause. The landlord’s insurance doesn't cover your property.
Does tenant insurance cover stolen property?
Yes, tenant insurance can cover theft of your belongings, depending on the policy.
Am I liable if my guest causes damage?
Yes, you may be responsible for any damage caused by your guests. Your insurance may help.
Does tenant insurance cover water damage?
It covers some types of accidental water damage, but not flooding from natural disasters. Read your policy.
How much does tenant insurance cost in Quebec?
Premiums usually range from $15 to $30/month, but vary depending on coverage and location.
Does tenant insurance cover bed bugs or pest infestations?
Generally, no. Most policies do not cover pests or their removal.
Can my landlord ask to be a "named insured" on my policy?
Landlords can request to be notified if the policy ends, but usually can’t be a "named insured."
What is liability coverage in tenant insurance?
Liability coverage pays if you're legally responsible for injury or property damage to others.
Do I need tenant insurance for a sublet?
It’s recommended. Subtenants should get their own policies, as yours may not cover them.
What official body handles tenant insurance disputes in Quebec?
The Tribunal administratif du logement (TAL) handles residential tenancy issues.
What law governs rental insurance issues in Quebec?
The Civil Code of Québec is the main legal source for leases and insurance in Quebec.
Should tenant insurance include "additional living expenses" coverage?
Yes, this coverage pays for extra living costs if your home becomes uninhabitable.
Can my landlord evict me for not having tenant insurance?
If your lease requires it and you refuse to comply, the landlord may apply to the TAL to end your lease.
Are my valuables covered by default?
Standard policies have limits; you may need extra coverage for expensive items.
What is a "proof of insurance" letter?
It’s an official document from your insurer confirming your active policy, often needed for your landlord.
If my neighbour’s pipe leaks and damages my stuff, whose insurance pays?
File a claim under your insurance. Your insurer may contact the neighbour’s insurance if they are liable.
Can I choose any insurance company for tenant insurance?
Yes, as long as they’re licensed in Quebec.
Is my bicycle covered by tenant insurance?
Most policies cover bicycles, but check the coverage limits and exclusions.
Does tenant insurance cover accidental injuries inside my apartment?
Yes, liability insurance covers injuries to visitors if you’re found responsible.
Can I change insurance companies during my lease?
Yes, as long as you maintain continuous coverage if your lease requires it.
How do I prove I have tenant insurance?
Share a copy of your policy or confirmation letter from your insurer with your landlord.
Does tenant insurance pay for hotel if my apartment is unlivable?
Yes, if your policy includes "additional living expenses," subject to your policy limits.
What forms do I use for disputes about insurance in Quebec?
Use the "Application to the Tribunal administratif du logement" form. See TAL forms.
How do I fill out a TAL Application Form?
Fill out the Application Form for issues like lease disputes. Attach supporting documents like insurance correspondence.
Is tenant insurance required for student housing?
Some universities require it, but it’s not mandatory by provincial law.
Does renter’s insurance cover moving or storage?
Some policies cover belongings while moving or in storage, but check with your insurer.
Does it cover flooding from outside?
No, flooding from natural events usually requires separate coverage.
Can landlord demand to see my insurance renewal every year?
Yes, if your lease requires you to maintain insurance throughout your tenancy.
Will insurance cover my car or motorcycle?
No, tenant insurance does not cover vehicles. They need separate auto/motorcycle insurance.
Am I liable for damages caused by appliances?
If you caused the damage or didn’t maintain the appliance, yes. Insurance may cover this.
Does insurance cover mold or mildew?
Most policies do not cover mold or mildew damage.
If my policy is cancelled, what should I do?
Inform your landlord and get a new policy immediately, especially if your lease requires it.
Are pets covered by tenant insurance?
Liability insurance may cover injuries caused by your pet, but check exclusions for aggressive breeds.
Does insurance cover damage from earthquakes?
Standard policies do not include earthquake coverage; you may buy it as an extra.
If my landlord is negligent, do I use my own insurance?
File a claim with your insurer; they may recover costs from your landlord’s insurer if liable.
Does tenant insurance cover lost keys or lock changes?
Most policies do not cover lost key replacement or locksmith costs.
Are my business items covered in my rental?
Usually not; business property needs separate coverage. Check your policy for limits.
If I break something in a shared space, am I liable?
Yes, tenant liability covers damage in common areas if you are at fault.
Can the landlord increase rent if I get insurance?
No, getting tenant insurance does not justify a rent increase.
Does tenant insurance follow me if I move?
Notify your insurer; many policies can be transferred when you move in Quebec.
Can my landlord require a minimum coverage amount?
Yes, some leases specify limits. Choose a policy that meets the minimum required.
How do I make a claim under tenant insurance?
Contact your insurer directly, provide details and documentation of loss or damage.
Does tenant insurance cover accidental damage to my own property?
Yes, if it’s an insured risk (like fire or theft), but not normal wear and tear.
Should new tenants get insurance before moving in?
Yes, arrange coverage to begin on your move-in date to avoid gaps in protection.
Where do I learn more about my tenant rights?
Visit the Tribunal administratif du logement for official tenant resources.

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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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