Compare Nova Scotia home insurance quotes

Personalized home insurance quotes from Nova Scotia's top providers

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Introduction to Nova Scotia Home Insurance

Fires spread across London, U.K. which prompted people to gather in a cafe, known as Lloyd’s, where underwriters started to create and sell home insurance policies as the demand for fire protection grew. In the United States, Benjamin Franklin, founded the first fire insurance company in 1752. One of Canada’s founding fathers, Sir John A Macdonald, our first prime minister was also the president of the Dominion of Canada General Insurance Company, one of the first companies to sell home insurance in Canada in 1887. Economical and Gore Mutual insurance both predate Dominion and join a cast of over one hundred active insurance companies, both public and private, offering policies across Canada.

Did you know home insurance is not a lawful requirement in Nova Scotia? Usually a lender requires home insurance to protect their investment, once you’re mortgage free, you could consider not having home insurance. But, if you own a property, it's a good idea to have some level of house insurance to be protected from any uncontrollable risks like water damage, theft or fire. Whether you own a home, condo or you need tenant’s insurance, know the cost for home insurance can fluctuate for a number of reasons including type of home insurance (Homeowner, Condo, or Tenant), as well as regional differences where there may be a higher risk of earthquakes or floods. In Nova Scotia, floods are a much greater risk than say earthquakes. If you’re shopping around for home insurance quotes, you should consider an overland water endorsement and adding on sewer back up to protect your home from any water damage.

How Nova Scotia home insurance coverage works

Whether you’re in a single family house in Truro, a condominium in downtown Halifax, an apartment in Cape Breton, or a mobile home in New Glasgow, there is coverage to suit your home and its needs. The 3 main types of coverage - comprehensive, broad, and basic all offer home insurance but in different ways. The overwhelming choice for Nova Scotians is a comprehensive home insurance policy. Mainly due to the fact the difference in costs between the different types of policies is minimal. Also, some lenders will only offer a comprehensive policy. Finally, a comprehensive policy gives you with the highest level of protection. Here’s a breakdown of the three different types of home insurance policies:

Coverage Description
Basic coverage

Also known as named perils, is the cheapest option, but will only cover the specific perils you choose. A peril is a certain risk that may damage your home or property. For instance, you may choose “Fire or Lightning” as a peril, to protect your home from fire or lightning, but if a thief robs your home, there would be no coverage

Broad coverage

Covers the physical structure of your home and contents for risks of direct physical loss or damage, but there are some exclusions. It only insures your content for specifically named perils

Comprehensive coverage

The most inclusive policy covering the building and its contents from all risks, except for some optional coverages such as: sewer back-up, earthquakes, or overland water.

Types of Nova Scotia home insurance coverage

Whatever your situation - if you own or rent; live in a house or a condo - there is some form of home insurance coverage for your unique requirements. A homeowner needs protection for their things like their roof, as well as personal liability from someone falling on their property. A condo owner, on the other hand, will need to pay to protect their contents, and for personal liability coverage in the event that someone injures themself while visiting the property. The building will be covered and paid for through their condo fees. Tenant’s insurance covers a renter’s personal belongings - it’s important to know that homeowner’s insurance does not cover the tenant’s belongings. A tenant should also seek their own personal liability insurance in case someone injures themself in their rented space.

See the chart below for more details on available home insurance coverage:

Type of Coverage Coverage Description
Property coverages
Dwelling building

Coverage for damages caused by all perils or specified perils, depending on your policy, for your dwelling (home) and attached structures, such as a garage or sun deck. It also includes coverage for swimming pools and permanently installed outdoor equipment, like a children's play set.

Coverage amount: Replacement cost of your home

Included: Yes

Detached Private Structure(s)

Coverage for damages caused by all perils or specified perils, depending on your policy, for any privately detached structures you have on your insured premises; such as a tool shed, detached garage, or pool house.

Coverage amount: 10% - 20% of replacement cost

Included: Yes

Personal Property

Essentially you are covered for all personal property that you own, wear, or use. This includes your contents, clothing and other personal items - examples would be jewelry, artwork, furniture, electronics, etc...

Coverage amount: 70% - 80% of replacement cost

Included: Yes

Additional Living Expenses

Will provide you with the means to cover the costs of additional living expenses if you have to live away from your home for a period of time due to an insured loss (i.e. a loss caused by an insured peril).

Coverage amount: 20% - 30% of replacement cost

Included: Yes

Liability coverages
Personal Liability

Provides coverage for lawsuits filed against you by individual(s) that have been injured on your insured property. An example would be a visitor who falls down on your icy walkway during the winter and chooses to sue.

Coverage amount: $100,000 - $5,000,000

Included: Yes

Voluntary Medical Payments

If you unintentionally injure another person or they are injured on your property, your insurer will agree to pay the individual's reasonable medical expenses (i.e. surgery, dental, etc...) for up to one year from the date of the accident.

Coverage amount: $1,000 - $10,000

Included: Yes

Voluntary Property Damage

If you or a child of yours (age 12 and under) unintentionally causes direct damage to property that is not your own, your insurer will agree to reimburse the owner of the damaged property.

Coverage amount: $500 - $6,000

Included: Yes

Common Coverage Additions & Endorsements
Overland Water

This is protection from rivers, streams or other bodies of water overflowing onto dry land and causing damage to your home. It can also be caused by a spring thaw from melting snow

Coverage amount: $1,000 - $50,000

Included: No, must be added

Sewer Backup

This is when the main sewers back up from overflow into your house. You can limit your risk by installing a backflow preventer. If you live at the bottom of a hill, or a low lying area, we recommend sewer backup protection.

Coverage amount: $10,000 - $50,000

Included: No, must be added


Earthquake damage is not typically covered under a standard home insurance policy. If you live in B.C. or Quebec, areas more prone to earthquakes, it is an important addition.

Coverage amount: Replacement cost of your home

Included: No, must be added

Mass Evacuation

If you are mandated to leave your premises due to great risk or danger, adding this coverage will help pay for some of the expenses like hotels and food.

Coverage amount: $2,500- $10,000

Included: No, must be added

Identity Theft

There are many ways you may be the victim of identity theft including, but not limited to, credit cards, passports, and bank accounts. While some banks will reimburse you for lost funds, the other associated costs may be substantial.

Coverage amount: $5,000- $30,000

Included: No, must be added

Freezer Food

Provides coverage for food contained in a freezer that is located on your insured premises, if the loss or damage is due to either mechanical breakdown or an outside power disruption.

Coverage amount: Up to $2,000

Included: No, must be added

Credit/Debit Cards, Forgery & Counterfeit

Helps to offset financial loss incurred due to theft and/or other losses directly attributable to forgery or counterfeit activities.

Coverage amount: Up to $200 per transaction & $2,000 annually

Included: No, must be added

Lock Replacement

Helps with the replacement of the locks at your home if your keys have been lost or stolen as part of a burglary. The loss must be reported to the authorities and your insurer will determine whether or not to approve the lock replacement claim.

Coverage amount: Up to $500

Included: No, must be added

Factors that impact your Nova Scotia home insurance premiums

Nova Scotia home insurance pricing is made up of several different factors. An insurance provider will need to review these factors to give you a price. The factors include things like the age of your house, the cost to repair the roof, or replace your whole house. They’ll look at basic construction details of the interior workings like plumbing and electrical, and exterior features like whether your home is covered with aluminum siding or brick. These details allow a Nova Scotia house insurance broker or any agent to more accurately determine risk and assess the probability of something going wrong before providing any Nova Scotia home insurance quotes. The more risks they feel there are with your property, or the more expensive repairs may be, the more your Nova Scotia home insurance premiums will cost you.

When determining your premiums, home insurance providers will look at the following factors:

Tips on how to get cheap Nova Scotia home insurance

Shop around and compare

At, we take the work out of monotonous phone calls and visits to many different brokerages repeating the same information over and over. By entering your information, we can give you several quotes from Nova Scotia’s top home insurance providers in minutes.

Bundle policies

Insurers will often give a discount to consumers who get both their home and auto insurance from them. If you can, look to have both your house and car protected by the same insurer.

Monitored alarm systems

If you have a monitored alarm system installed, providing communication between your home security system and the central station of your security provider, you could receive a discount. This typically does not include your own cameras and motion sensor lighting. To get the discount, you must have a central station that protects your home.

Increase your deductible

A standard home insurance deductible is $500. If you increase your deductible, which means having to pay more before the insurance company pays the rest, they will often decrease your monthly premium


If you upgrade your electrical from knob & tube to copper wiring or upgrade your plumbing from iron and steel to plastic and copper you could see a reduction in your premiums. However, if you upgrade with more expensive finishes that would cost more to replace, you’ll likely pay more.

Ask about discounts

A new job may mean union membership, group discounts, or corporate discounts. A retiree may also save on home insurance. A yearly review is recommended to see and ask what discounts may apply to you as things change.

Stay with an insurer (loyalty)

The longer you stay loyal to your home insurance provider, the more they’ll reward you with discounts, especially if you remain claims free.

Improve credit score

If your insurer monitors your credit score, be sure to pay your bills on time and watch your credit card balance - getting close to the max could hurt your score.

Frequently asked questions about Nova Scotia home insurance

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