Nova Scotia Home Insurance

Your dedicated Nova Scotia home insurance broker

Finding the best home insurance in Nova Scotia has never been easier. Our team has over 60 years of experience helping homeowners like yourself secure customized home insurance to meet your individual needs. As one of Canada’s largest independent insurance brokers, we work with over one hundred different insurance companies. By leveraging our expertise and market access, we provide the best protection possible, at a price you are comfortable with.

Protect your investment – secure the best Nova Scotia homeowners insurance for your needs

Your house is more than just the property you own, it’s your home. A place where you make memories with your family and celebrate life events together. Make sure you have the right coverage in place to protect your sanctuary from the unexpected.

At Acera Insurance, our Nova Scotia home insurance brokers help safeguard your investment. We offer quality home insurance packages, at affordable prices. Our policies cover everything from the roof over your head to any of your personal contents inside. You receive peace of mind knowing your house and valuables are completely protected.

Top home insurance coverages in Nova Scotia

Below are the three most common types of home insurance coverage applicable to Nova Scotia homeowners.

Nova Scotia home insurance liability coverage

This type of coverage helps offset your legal expenses. It comes into effect if you are sued after someone is injured or has their property damaged on your property.

Nova Scotia home insurance for physical damage

Your homeowner’s insurance covers physical damage to your home, as well as other exterior structures, such as decks or fences. It can also include protection for your own personal belongings.

Common causes of physical damage that are covered by home insurance include:

You may require add-on coverage to include:

Nova Scotia home insurance for additional living expenses

If you need to leave your home due to a mandatory evacuation or an insured claim, this coverage helps offer a certain amount of funds to cover your additional living expenses. Covered expenses can include accommodation, transportation and food.

How much does home insurance cost in Nova Scotia?

The amount you will pay for your home insurance in Nova Scotia is determined by a few key factors. These include:

• Your home’s location.
  This helps confirm how far you are from fire services, your proximity to flood zones, and the frequency of severe weather.
• Your coverage options.
  You choose your policy limits, add-on coverage, and deductible. These all contribute to your final home insurance costs.
• Your home and home’s systems ages, types, and construction.
  This information can be used to calculate how likely it is that your home will be damaged.
• Damage prevention or detection systems.
  These can include backwater valves, sump pumps, water alarms, burglar alarms, security cameras and other systems used to prevent or detect damage. Using these devices can get you discounts on your home insurance.
• Your insurance history.
  How long you’ve been insured and your claims history both impact your homeowner insurance costs.

Each home insurance company will calculate home insurance rates differently. To get the best home insurance premiums in Nova Scotia, always seek the opinion of a licensed insurance broker.

How to find the most affordable Nova Scotia home insurance policy

One of the best ways to ensure you are getting the best value for your money is working with a knowledgeable insurance broker. Our local home insurance specialists will:

• Take the time to understand your specific home insurance needs
• Shop the insurance market to find you competitive homeowners insurance quotes
• Discuss all the ins-and-outs of each option in easy-to-understand terms
• Act as your personal home insurance guide and resource
• Advocate on your behalf in the event of a claim

Whether you are buying a new home or want to learn if you are overpaying for your existing coverage, one of our Nova Scotia home insurance advisors can help. A broker from Acera Insurance will sit down with you to discuss all the details of your new policy. This way you get everything you need and nothing that you don’t.

Request a Nova Scotia home insurance quote online

If you are considering a new home insurance provider, let us do the heavy lifting for you. Simply answer a few key questions and we’ll do the rest. No need to worry about conducting countless hours of research trying to find the best home insurance companies and cheapest coverages. We’ll utilize our industry knowledge and network of top insurance providers to come back to you with a range of quotes. We’ll also breakdown all the insurance jargon and are happy to offer our expertise in helping you weigh your options. The result? You save time and money, while getting the best coverage for your home.