Compare and purchase the best
home insurance rates
in Nova Scotia.
Types of coverage we provide
Provides protection against a lawsuit resulting from damaged property or personal injuries.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
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Nova Scotia insurance rates vs. other provinces
Province |
Average Rates |
|---|---|
Nova Scotia |
$2,788 |
Alberta |
$2,304 |
Ontario |
$1,797 |
New Brunswick |
$2,402 |
Newfoundland & Labrador |
$2,513 |
Prince Edward Island |
$1,145 |
Manitoba |
$1,335 |
British Columbia |
$2,389 |
Yukon |
$1,830 |
Saskatchewan |
$1,873 |
Northwest Territories |
$3,367 |
See how our customers save big on home insurance
Customer |
City |
Type |
Average Rate |
Lowest Rate |
Savings |
|---|---|---|---|---|---|
Cayla |
Timberlea |
Detached |
$2,889 |
$2,093 |
$796 |
Teresa |
Dartmouth |
Semi Detached |
$2,194 |
$1,407 |
$787 |
Herb |
Barrington |
Detached |
$1,593 |
$828 |
$765 |
Home insurance in Nova Scotia
The cost typically depends on a number of factors including the construction of the home, updates to heating, electrical, plumbing, and roofing, chances of water damage, prior claims, and more. It’s best to budget approximately $800-2600 annually for home insurance costs, but again this will vary from person to person.
There are four basic types of home insurance you can get:
Comprehensive: This provides the most coverage and is the most expensive. It covers your home and its contents against all perils (except the ones specifically excluded from your insurance policy)
Basic or Named Perils - This coverage insures your home, contents and property for perils that are specifically named in your policy
Broad: This is coverage that is right in between a standard insurance policy and comprehensive, covering your home against all risks (minus exclusions) and coverage for your contents against any named risks.
No frills: This provides minimal coverage, and is the cheapest. It is usually for homes that don't meet underwriting standards (doesn't meet normal insurance standards).
And of course, if you feel you need more coverage you can inquire about extra coverages (or endorsements) that will cover certain risks that can affect your area such as:
- Overland flooding
- Windstorm damage
- Sewer backup
A licensed insurance broker (also known as an advisor) can offer home insurance quotes for you in Nova Scotia. If you contact the best insurance broker channel they can provide you with more than one option, so you can see comparables in price and the best insurance coverage options!
The cheapest home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. Compare insurance companies and quotes with Surex to get the cheapest price on home insurance and the best insurance coverage for your situation.
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