New Brunswick Tenant Insurance: Contents, Liability and ALE
FCNB identifies three core renter exposures: personal belongings, liability for accidental damage or injury, and additional living expenses when a covered loss makes the rental uninhabitable. A landlord's property policy does not automatically insure the tenant's belongings or personal liability.
What to know
Confirm the current lease, Residential Tenancies rules and policy wording before applying this point to a specific rental.
Confirm the current lease, Residential Tenancies rules and policy wording before applying this point to a specific rental.
Confirm the current lease, Residential Tenancies rules and policy wording before applying this point to a specific rental.
Confirm the current lease, Residential Tenancies rules and policy wording before applying this point to a specific rental.
Belongings and building coverage are different
The landlord normally insures the building interest. The tenant needs their own coverage for personal belongings and liability, subject to the policy terms.
Additional living expenses can matter after displacement
A fire or other covered loss may make the rental unit temporarily uninhabitable. ALE can help with qualifying extra accommodation and living costs, subject to limits and conditions.
Liability can extend beyond your own unit
FCNB gives the example of an overflowing bathtub causing damage to the apartment, building and other tenants' property. That is why renter liability is not just about injuries to visitors.
Verify the current New Brunswick rule
Lease requirements, security-deposit procedures and insurance wording can change. Use the official source below before making a rental or claim decision.
FCNB — Home and Tenant Insurance →