Tenant Insurance & Liability in Canada

Learn about your rights as a tenant in Canada regarding Tenant Insurance & Liability. Understand landlord responsibilities, how to request repairs, and how to resolve disputes effectively to protect your rental home and your legal rights.

Top 5 Most Tenant Insurance & Liability Asked Questions in

Is tenant insurance required by law in Alberta?
No, tenant insurance isn't required by Alberta law but many landlords make it a lease requirement.
Can my landlord force me to buy tenant insurance?
Landlords can make tenant insurance a condition in your lease, so you may be required to get it.
What does tenant insurance usually cover?
It typically covers your belongings, liability for accidental damage or injury, and living expenses if you're displaced.
Will my landlord’s insurance cover my personal belongings?
No, your landlord’s insurance only covers the building, not your personal property.
Am I liable for damage I cause in my rental?
Yes, tenants can be held responsible for damage they or their guests cause beyond normal wear and tear.
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Is tenant insurance required by law in British Columbia?
Tenant insurance is not legally required, but your landlord may include it as a condition in your lease.
Can my landlord make tenant insurance mandatory?
Yes, if it's written in your tenancy agreement, landlords can require tenant insurance.
What does tenant insurance in BC usually cover?
It typically covers your belongings, personal liability, and extra living expenses if you're displaced.
Does tenant insurance cover damage to the landlord’s building?
No, the landlord’s insurance covers the building, not your possessions or liability.
Am I liable if my guest damages the property?
Yes, as the tenant, you may be liable for any damages caused by your guest.
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Is tenant insurance mandatory in Manitoba?
No, Manitoba law does not require tenant insurance, but landlords may make it a lease condition.
Can a landlord require me to have tenant insurance?
Yes, a landlord can include tenant insurance as a lease requirement in Manitoba.
What does tenant insurance usually cover?
It typically covers personal belongings, liability for accidents, and additional living expenses.
Is my landlord’s insurance enough to protect my belongings?
No, landlord insurance only covers the building and their own property, not your personal belongings.
Who is liable if my guest gets injured in my apartment?
You may be liable. Tenant insurance typically provides liability coverage for these situations.
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Is tenant insurance required by law in New Brunswick?
No, tenant insurance is not legally required, but many landlords ask for it in the lease agreement.
Can my landlord make tenant insurance mandatory?
Yes, landlords can require tenant insurance as a condition in your lease.
What does tenant insurance cover?
It typically covers your belongings, liability for damage, and sometimes living expenses if you're temporarily displaced.
What is liability insurance for tenants?
Liability insurance protects you if you're found responsible for damage to the property or injuries to others.
Do I need insurance if my landlord has property insurance?
Yes, your landlord's insurance only covers the building, not your personal belongings.
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Do I have to get tenant insurance in Newfoundland and Labrador?
No, the law does not require tenants to buy insurance, but landlords may ask for it in the lease.
Can my landlord force me to have tenant insurance?
Landlords can make tenant insurance a lease requirement, but it's not legally mandatory.
What does tenant insurance cover?
It covers your personal belongings, liability for accidental damage, and extra living expenses if you can't stay in your unit due to damage.
What is 'liability coverage' in tenant insurance?
Liability coverage protects you if you're found legally responsible for injury or damage to others or property.
Will my landlord’s insurance protect my belongings?
No, their insurance usually only covers the building, not your personal property.
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Is tenant insurance required by law in the Northwest Territories?
No, tenant insurance is not required by law, but landlords may require it in your lease agreement.
Can my landlord force me to buy tenant insurance?
Landlords can make tenant insurance a condition of your lease, so you must comply if your agreement requires it.
What does tenant insurance cover?
It covers your belongings, personal liability, and extra living expenses if you can't stay in your home after a covered loss.
Does tenant insurance cover my roommate's belongings?
No, each person usually needs their own policy unless both names are listed on one policy.
Will tenant insurance cover damage I cause accidentally?
Yes, tenant insurance usually includes liability coverage for accidental property damage or injury you cause.
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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.
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Is tenant insurance required by law in Nunavut?
No, Nunavut law does not require tenant insurance, but landlords may include it in the lease agreement.
Can my landlord force me to buy tenant insurance?
Landlords can require insurance as part of your lease, but not by law. Check your lease for terms.
What does tenant insurance cover?
It usually covers your belongings, liability for damages, and some living expenses if displaced.
Is my landlord responsible if my property is stolen or damaged?
Usually no, unless the landlord was negligent. Tenant insurance covers your personal items.
What if my lease says I need insurance?
You must comply with the lease. Not carrying required insurance could violate your agreement.
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Is tenant insurance required by law in Ontario?
No, Ontario law does not require tenant insurance, but landlords can include it as a lease condition.
Can my landlord require tenant insurance?
Yes, a landlord can require tenant insurance as part of your lease agreement.
What does tenant insurance cover?
It covers your personal belongings, liability if you damage the property, and sometimes living expenses if you can't stay in your unit.
Who pays for tenant insurance?
The tenant is responsible for purchasing and paying for tenant insurance.
What happens if I don't get tenant insurance when required?
Your landlord can treat it as a lease violation and may apply to evict you if you don't comply.
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Is tenant insurance required by law in Prince Edward Island?
No, tenant insurance is not legally required, but a landlord may ask for it in the lease.
Can my landlord make tenant insurance mandatory?
Yes, if your lease agreement specifies it, you must obtain and maintain insurance.
What does tenant insurance generally cover?
It usually covers your personal belongings and liability for accidental damage or injury.
Who is responsible for insuring the building in PEI?
The landlord must insure the building and their property; tenants insure their own belongings.
What happens if I don’t get tenant insurance?
You risk paying for damages or losses yourself, and may breach your lease if insurance is required.
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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.
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Is tenant insurance required by law in Saskatchewan?
No, tenant insurance is not required by law, but landlords can require it in your lease agreement.
Can my landlord force me to buy tenant insurance?
A landlord can require tenant insurance as a condition of your lease, but not as a legal obligation unless specified in your rental agreement.
What does tenant insurance cover in Saskatchewan?
Tenant insurance typically covers your belongings, personal liability, and additional living expenses if you can't stay in your unit after a covered event.
What does tenant liability mean?
Tenant liability means you could be held financially responsible if you accidentally damage the property or harm someone in your unit.
Who is responsible if my personal belongings are stolen or damaged?
You are usually responsible unless the landlord was negligent. Tenant insurance may cover stolen or damaged items.
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Do I need tenant insurance in Yukon?
Tenant insurance is not required by law but landlords can make it a lease condition.
Can my landlord force me to buy tenant insurance?
Yes, if your lease agreement includes this requirement, you must get insurance.
What does tenant insurance cover?
It covers your belongings, personal liability, and sometimes additional living expenses.
What is personal liability coverage?
It protects you if you accidentally damage property or someone is injured in your rental.
Will tenant insurance cover flood or fire damage?
Most policies cover fire; flood may require extra coverage. Check your policy carefully.
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