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Tenant Insurance in St. John's typically ranges from $15 to $42/month. Your actual premium depends on coverage level, personal factors, and the insurer you choose. Below is a detailed breakdown for 2026.
| Coverage Level | Low Estimate | High Estimate |
|---|---|---|
| Basic | $15/month | $22/month |
| Standard | $22/month | $30/month |
| Comprehensive | $30/month | $42/month |
Estimates are based on typical NL rates for 2026. Individual premiums may vary. These figures are for informational purposes only and do not constitute a quote.
The total value of your personal belongings determines how much coverage you need, directly affecting your premium.
Renting in urban centres or high-crime areas typically results in higher premiums compared to suburban or rural locations.
Older buildings or those without modern fire suppression systems may carry higher premiums.
Higher personal liability limits increase your premium but provide better protection if someone is injured in your unit.
A history of previous tenant insurance claims can raise your rates at renewal.
Opting for a higher deductible lowers your monthly premium, but you pay more out of pocket for each claim.
Combining tenant and auto insurance with the same provider often saves 5-15% on both policies.
Increasing your deductible from $500 to $1,000 can meaningfully reduce your monthly premium.
An accurate contents inventory prevents over-insuring. Only insure the replacement value of what you actually own.
Smoke detectors, fire extinguishers, and deadbolt locks may qualify you for a small premium discount.
Some employers, alumni associations, and professional groups offer group insurance rates through partner insurers.
Connect with licensed brokers in St. John's who specialize in tenant insurance to get personalized quotes and professional advice.
| City | Basic | Standard | Comprehensive |
|---|---|---|---|
| St. John's, NL | $15–$22 | $22–$30 | $30–$42 |
| Conception Bay South, NL | $15–$22 | $22–$30 | $30–$42 |
| Mount Pearl, NL | $15–$22 | $22–$30 | $30–$42 |
Nearby cities in Newfoundland and Labrador shown for comparison. Actual costs vary based on individual factors within each city.
Tenant insurance in St. John's typically costs between $15 and $42 per month, depending on the value of your belongings, your coverage limits, and your chosen deductible.
Tenant insurance is not legally required in NL, but many landlords now require proof of tenant insurance as part of the lease agreement. It is highly recommended regardless.
Tenant insurance covers your personal belongings against theft, fire, and water damage. It also includes personal liability coverage if someone is injured in your unit, and additional living expenses if your rental becomes uninhabitable.
Bundle with auto insurance, choose a higher deductible, take an accurate inventory of your belongings to avoid over-insuring, and ask about group discounts through your employer or alumni association.
The best way to find your actual tenant insurance cost in St. John's is to compare quotes from multiple licensed brokers. It's free and takes just a few minutes.
Get Tenant Insurance Quotes in St. John'sDisclaimer: AtlasBrokers is a directory service. We do not sell, solicit, or negotiate insurance. Cost estimates on this page are for general reference only and do not constitute a quote or guarantee of pricing. Actual premiums depend on individual circumstances and insurer underwriting.
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