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    New Brunswick's best tenant insurance, from Canada's leading provider

    Smart insurance for smarter tenants. Get no-nonsense coverage that's 25% cheaper than other providers, on average. Get a quote in less than a minute and save when you buy online.

    What address would you like to insure?

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    What's covered by Tenant Insurance?

    Contents Coverage Icon

    Contents

    Simply put, Contents Insurance covers your personal belongings - the contents of your home. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.

    Additional Living Expenses Icon

    Additional Living Expenses

    Have you ever wondered what you would do if you couldn't live in your apartment due to an emergency? This coverage can help you pay for hotels and food if you are forced out of your home after a covered event.

    Personal Liability Icon

    Personal Liability

    Accidents happen. And they can be costly. Personal Liability coverage protects you if you are held responsible for property damage or personal injury to others, at home or anywhere else.

    Are you a full time student? We have a product specially designed for you! Check out our Student Tenant coverage.

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    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
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    Tell us (very little) about yourself

    Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.

    Pay online easily and securely
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    Pay online easily and securely

    You can choose to pay monthly or save money by paying for the entire year in one easy payment.

    Get your documents in your inbox - instantly
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    Get your documents in your inbox - instantly

    As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.

    How much is tenant insurance in New Brunswick?

    SAVE25%ON AVERAGE

    Our tenant insurance costs 25% less than leading competitors, on average. You can customize your policy just how you like it so you're only paying for the coverage you need.

    The cost of the policy depends on a few things, such as the address to be insured, the coverage limits and options you select. We offer the following coverage options:

    • Contents coverage options ranging from $10,000 to $150,000

    • Additional living expenses coverage options ranging from $5,000 to $30,000

    • Personal liability coverage of up to $2 million

    • Deductible options ranging from $500 to $2,500

    • Water damage and full replacement value extensions

    Get a quote in less than a minute.

    What address would you like to insure?

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    What makes APOLLO the best choice for renters in New Brunswick?

    The simplest way to buy insurance

    The simplest way to buy insurance

    Our platform is designed to be the fastest and simplest way to buy tenant insurance. We make it easier than anyone else to get covered.

    The best value for money

    The best value for money

    We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.

     Easy online tools

    Easy online tools

    Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In

    Great insurance advisors

    Great insurance advisors

    If you need to speak to a person, you can contact one of our insurance advisors easily by phone, email or chat. We're here to help!

    Fair, independent claims management

    Fair, independent claims management

    We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.

    Top financial ratings

    Top financial ratings

    Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.

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    Frequently Asked Questions

    Most people are familiar with home insurance. Less familiar is Tenant Insurance (also known as renters insurance), which protects you if you're renting a residence. Renters Insurance is a requirement for many landlord-tenant lease agreements, but even if it's not, it's a good idea to have. It can end up saving you from covering the cost of replacing your valuable items in the event of a fire, theft, or flood.

    Tenant Insurance can also help pay for the extra costs of having to live somewhere else if your residence becomes uninhabitable due to an insured loss. This can include the cost of lodging, such as temporary rent at a separate location, hotels, or Airbnbs, and can also help with other costs like restaurant meals and storage fees.

    Although landlords likely have insurance of their own, your landlord's insurance typically only covers the building. This leaves your contents of your unit unprotected. Further, if you were found liable for damages to the building, your landlord's insurance company may come after you for the costs. Renters Insurance can aid you in both of these situations. Further, it can cover certain expenses that arise from an emergency. Read more about the benefits of Renters Insurance here.

    While tenant insurance isn’t legally required in New Brunswick, many landlords do require it as part of the lease agreement. Even if it’s not mandatory, having tenant insurance is a smart decision. It protects your personal belongings and provides crucial liability coverage, helping you avoid significant out-of-pocket expenses in the event of an unforeseen incident.

    Tenant insurance offers comprehensive protection for renters, covering three main areas:

    • Personal Property: Safeguards your belongings against theft, fire, vandalism, and other covered perils.

    • Liability Protection: Covers legal costs and damages if someone is injured in your home or if you accidentally damage someone else's property.

    • Additional Living Expenses: Provides financial assistance for temporary housing if your rental home becomes uninhabitable due to a covered event.

    APOLLO offers tailored coverage that fits your unique needs, ensuring peace of mind and financial security.

    The cost of tenant insurance in New Brunswick varies based on several factors, including location, coverage amount, and deductible. On average, you can expect to pay between $15 to $30 per month. APOLLO Insurance offers tenant insurance policies that are, on average, 25% cheaper than those of our competitors. We also offer a user-friendly online platform to help you find the perfect coverage at the right price. Get an instant quote today and see how affordable comprehensive protection can be.

    Without tenant insurance, you’re at risk of significant financial loss. If your personal belongings are damaged or stolen, you’ll have to cover the replacement costs out of pocket. Additionally, if you're held liable for someone getting injured in your home or you accidentally damage someone else's property, you could face significant out-of-pocket costs. Protect yourself from these risks with APOLLO Insurance, providing you with peace of mind and financial security.

    Yes, renter’s insurance covers fire. This is the case regardless of how the blaze was started, unless the fire was intentionally set by you.

    Fire is one of the most common covered perils included in renter’s insurance. Also referred to as named perils, other examples are windstorms and hail, theft, and vandalism.

    Find out more instances by reading out article Does Renters Insurance Cover Fire?

    A COI is a statement of coverage that we provide to you. It’s a summary that verifies that your business is, in fact, insured. You may receive a request from a potential client for a COI as a condition of doing business with you. It’s simply proof that your business can cover the cost of a liability claim.

    For more information, read our article Insurance 101: What Is a Certificate of Insurance?

    Liability insurance protects you if you are held responsible for causing property damage or bodily injuries to others while at home or away anywhere in the world. For example: If you hit a baseball out of a park onto the street, and it hits a child, or breaks a window. Or one of your guests slips and falls and has to take time off work due to injuries. Or, while on vacation, a bonfire gets out of control and damages someone’s property. Personal Liability would cover you in all these and similar events. To learn more, read our article The Importance of Personal Liability Insurance.

    Also called contents Insurance, this protects the property you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered while they’re on your property or in transit during a move. APOLLO offers personal property limits from $25,000 to $250,000. You should choose an amount that will be sufficient to replace all of your belongings with the new items. If your residence is ever burglarized or there is a fire, this policy will help replace the lost or damaged items with the new ones. Over the years we tend to accumulate a lot of little and big things. Majority of our clients in a two-bedroom condo choose the $50,000 coverage limit.

    To learn more about this coverage, read our article What Kind of Insurance Protects the Things You Own?

    This coverage protects against increased living expenses you may incur because your rented unit can’t be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden, accidental event. For example, it can help cover expenses like a hotel room, storage costs, meals, laundry, transportation, and more if you can’t live in your condo while repairs are being made after an insured loss.

    To learn more, read our article Why Additional Living Expenses Coverage is Essential.

    How Much is Tenant Insurance in New Brunswick?
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    What if I need to make a claim?

    If something happens and you need to use your tenant insurance, APOLLO makes it easy with a simple claims process that can be done online. Just let us know the details of the incident and we'll get started on doing our part to set things right — keeping you informed at every step of the way.

    Our simple online claims process

    What our customers say about us

    Customer service is a huge part of the APOLLO story. Insurance is a relationship based on trust and we earn our clients' trust by providing the best products backed by world class service and support.

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    Reviews

    4.7 rating

    2,758 reviews

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    Tenant Insurance Laws & Lease Requirements in New Brunswick

    If you’re renting in New Brunswick, you might be wondering if tenant insurance is required by law. The short answer is no, but the reality is a bit more nuanced.


    Is Tenant Insurance Legally Required in New Brunswick?

    Tenant insurance is not legally mandatory under New Brunswick law. The Residential Tenancies Act does not require tenants to carry insurance—but that doesn’t mean you won’t need it. Most landlords now make it mandatory before signing a lease.

    Landlord Lease Requirements

    While the law doesn’t require it, many New Brunswick landlords include tenant insurance as a condition of the lease. It’s now common to be asked for proof of insurance before you receive your keys—especially in professionally managed buildings or newer developments.

    Landlords often require tenants to carry:

    • Personal liability coverage (in case someone is injured or their property is damaged in your unit)

    • Proof of coverage with them listed as an “interested party” (so they’re notified if your policy lapses)

    Why Landlords Require It

    Requiring tenant insurance protects everyone involved:

    • Tenants avoid out-of-pocket costs from damage, loss, or legal claims

    • Landlords reduce liability and avoid disputes over who pays for what in case of an incident

    This is especially important in multi-unit buildings—where a small kitchen fire or plumbing mishap in one suite can quickly affect neighbouring units.

    Extreme Weather Risks for New Brunswick Renters

    flooding-in-southern-ontario

    Annual Spring Freshet Flooding

    In New Brunswick, flooding isn’t just a spring nuisance — it’s a serious and recurring threat. In April 2019, the Saint John River overflowed during the annual spring “freshet,” inundating entire communities. Basements filled with water, roads were washed out, and renters were left facing costly cleanups. That event alone caused over $6 million in insured damages across the province — a clear signal that flood risk isn’t just a coastal concern, but a widespread reality for New Brunswick tenants.

    Hurricanes in New Brunswick

    Hurricanes in Atlantic Canada

    In 2019, New Brunswick felt the force of Hurricane Dorian as it moved over Atlantic Canada. Trees were uprooted by winds, electrical lines were broken, and houses, including a large number of rental apartments, were left vulnerable. Renters had to deal with lost belongings, property damage, and water leaks in both coastal and inland locations. Over $22.5 million in insured losses resulted from Dorian's impact in New Brunswick, demonstrating how even infrequent hurricanes can cause significant disruption, particularly for tenants without the proper insurance.

    Winter Storms in New Brunswick

    Harsh Snow and Winter Storms

    Winter in New Brunswick can turn dangerous fast — and expensive. In March 2019, a powerful storm brought rain, melting snow, and thick ice, causing rivers to jam and streets to flood. The mix of water and freezing temperatures led to damaged foundations, frozen pipes, and power outages. That single event caused $1.8 million in insured damage in the province. For renters, winter weather means more than cold nights — it’s a reminder of the hidden risks that come with aging buildings and unpredictable climate shifts.

    The financial toll of New Brunswick's extreme weather is climbing fast. Insurance payouts for severe weather now routinely top $2 billion in Canada each year​, compared to around $600 million per year a couple decades ago. As one Insurance Bureau of Canada official put it, “The number of extreme weather events will continue to rise, and people need to understand the financial and physical risks”.

    Tenant Insurance in Action

    Fire 1

    Oromocto Apartment Fire (April 2020)

    A blaze in a 32-unit apartment building in Oromocto forced all residents to evacuate for months, with some only able to retrieve their belongings days later.

    If you had tenant insurance, you would have received:

    • Coverage for temporary accommodations

    • Reimbursement for smoke- or fire-damaged belongings

    • Support for relocation expenses

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    Hurricane Arthur Power Outage (July 2014)

    When Tropical Storm Arthur struck, almost 57% of New Brunswick lost power — 18,000 households remained without electricity for days, and major centers opened for charging and showering.

    If you had tenant insurance, you could have received:

    • Coverage for hotel stays due to unsafe living conditions

    • Meal and essential purchase reimbursement

    • Protection for perishable food spoilage

    Spotlight on New Brunswick's Most Popular Neighbourhoods

    Downtown Fredericton

    Who lives here: Government workers, students, young professionals

    Rental types: Heritage apartments, modern condos, townhouses

    Risks: Basement flooding, heating system failure, theft during move-ins

    Renters in Downtown Fredericton value the city's historic charm. But older buildings can mean outdated plumbing and heating — making tenant insurance essential for protecting belongings from unexpected breakdowns or water leaks.

    Mount Pleasant, Moncton

    Who lives here: Families, retirees, hospital staff

    Rental types: Duplexes, low-rise apartments, rental homes

    Risks: Fire, water leaks, weather-related power outages

    Older home conversions in this quiet residential areas can come with aging electrical systems and higher fire risk. Tenant insurance gives peace of mind when it comes to replacing personal items and finding alternative housing in an emergency.

    South End, Saint John

    Who lives here: Artists, students, service industry workers

    Rental types: Walk-ups, budget apartments, heritage homes

    Risks: Break-ins, flooding, smoke damage from nearby units

    This eclectic neighbourhood offers affordable rent and a creative vibe, but older, high-density buildings and a history of crime mean added exposure to theft and fire. Tenant insurance helps renters recover quickly from damage, loss, or temporary displacement.

    University Avenue Area, Fredericton

    Who lives here: University students, faculty, young couples

    Rental types: Student apartments, basement units, shared houses

    Risks: Theft, accidental damage, roommate-related liability

    Close to UNB and St. Thomas University, this area buzzes with academic life. Shared accommodations and high turnover increase the chance of accidental or liability-related claims — from broken laptops to damaged furniture.

    Dieppe (near Champlain Street)

    Who lives here: Young families, bilingual professionals, commuters

    Rental types: Newer townhomes, upscale apartments, semi-detached rentals

    Risks: Ice damage, burst pipes, accidental damage in shared walls

    Dieppe offers modern living and good transit links. But harsh winters and closely packed housing mean that a burst pipe or fire in one unit can affect many. Tenant insurance steps in to protect your belongings and cover temporary accommodations if needed.

    Looking for Tenant Insurance in New Brunswick?

    Your home is filled with cherished belongings that make your space uniquely yours. But what if those valuable items are damaged or stolen? Whether you’re renting an apartment in the bustling city of Fredericton, a condo in the historic streets of Saint John, or a house in the scenic towns of Moncton or Bathurst, tenant insurance is essential. It protects your possessions and provides peace of mind against life’s unexpected events. Wherever you choose to live in this beautiful province, tenant insurance is a crucial safeguard for renters across New Brunswick.

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    Recently purchased tenant insurance policies in New Brunswick

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    © 2025 APOLLO Insurance Solutions Ltd.

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    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.