#27620
Austman
Flatchatter

    All the lot owners are covered by the OC/BC’s building insurance, so an insurance company cannot recover their costs from them (as they are the policy holders).

    But that’s not the situation for tenants.  An insurance company can choose to try to recover their costs from a tenant and AFAIK that is outside any OC/BC law.  It’s completely up to the insurance company.

    If the tenant has contents insurance – that type of insurance usually has a liability cover which should cover the tenant in such circumstances.

    It’s a reason why it can be wise for tenants to have contents insurance.