New Brunswick Tenant Insurance in 2026
Renter contents, liability and additional-living-expense coverage explained alongside current New Brunswick lease and security-deposit rules.
Five New Brunswick renter guides
A landlord may ask for proof of tenant insurance
Government of New Brunswick guidance for first-time renters explicitly says a landlord may ask for proof of insurance as a condition of renting. Read the lease before signing and confirm any required liability limit or proof format.
Can a landlord require tenant insurance? →A security deposit is not insurance
For month-to-month, year-to-year and fixed-term leases, the province says the security deposit can be up to one month of rent; week-to-week leases can be up to one week. A landlord who collects the deposit must submit it to the Tenant and Landlord Relations Office within 15 days. None of that replaces contents or liability coverage.
Deposit vs Insurance Guide →FCNB highlights contents, liability and additional living expenses
Tenant insurance can protect belongings, help with qualifying temporary-living costs, and respond to accidental damage or visitor injury subject to the policy. FCNB specifically uses an overflowing bathtub as an example of renter-caused damage that can affect the unit, building and other tenants.
Contents, Liability & ALE →Shared lease does not automatically mean shared insurance
New Brunswick says multiple tenants named on the lease are responsible for the unit, damages and full rent. Insurance still needs a separate check: roommates should confirm which people and belongings qualify under the policy.
Roommates Guide →Estimate contents before choosing a limit
Replacement value and actual cash value can produce materially different claim outcomes. Build a room-by-room inventory before selecting a contents limit rather than guessing after a loss.