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Landlord and Tenant Information for Albertans

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You are here: Home / Leases and Agreements / FAQ – Can the landlord require a tenant to provide proof of insurance as a condition of the lease?

FAQ – Can the landlord require a tenant to provide proof of insurance as a condition of the lease?

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Yes, a landlord can require a tenant to have insurance as a term of the lease. It is up to the tenant to agree to that term. Tenants can try to negotiate this term with the landlord.

A basic tenant insurance policy will include liability coverage. This helps tenants with situations where they may be at fault for damage to a third party, another suite, or the building. For example, if a fire starts in the tenant’s apartment and it damages another suite, liability insurance will help cover the costs of the damage to the tenant’s unit and the other suite.

Tenant insurance can also include contents insurance. This helps cover the replacement cost of the tenant’s goods and personal items destroyed by fire or water damage. The landlord’s insurance does not cover a tenant’s items. So tenants without insurance will not receive any compensation for destroyed items.

If the landlord requires the tenant to have insurance, they can require the tenant to provide proof of that insurance. The landlord may require this proof only once, or on an annual basis.

Many tenants have insurance even when it is not required under the lease in case of an emergency.

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  • About
    • About CPLEA and Disclaimer
    • Copyright Statement
  • Topics
    • Legislation
    • Leases and Agreements
    • Security Deposits
    • Inspection Reports
    • Responsibilities
    • Roommates, Subletting, and Assignment
    • Repairs
    • Notices
      • Eviction Notice (Notice of Termination of Tenancy for Substantial Breach)
      • Notice of Objection to an Eviction Notice
      • Notice of Entry by the Landlord
      • Notice of Landlord
      • Notice of Rent Increase
      • Notice of Termination of a Periodic Tenancy for Allowable Reasons
      • Notice to End a Periodic Tenancy
      • Tenant’s 14 Day Notice to Terminate Tenancy
    • Dispute Resolution
  • Resources
  • FAQs
  • Glossary
  • Find Help
    • Forms
    • Legal Advice
    • Government & Court Services