Home insurance

Your home is one of your biggest investments, so it’s important that you have the right coverage to protect it. A Scotia Home Insurance policy lets you start with the basics and build your policy to suit your needs.

Our coverage options include:

The Basics

Coverage

Basic coverage helps pay the costs of repairs or rebuilding for any damage covered by your policy. Plus, if you need to find a new home while repairs are in progress, you may be eligible for living expenses.

Liability

This covers your personal liability in the event of accidental damages or injury to someone else. Choose $1 million or $2 million in coverage.

All-risk

Your home insurance policy should cover a lot more than just your house. Damage to your personal property, like a garage or a shed, is also covered under this type of insurance.

Optional Extras

Umbrella coverage

This “top-up” on your home insurance policy gives you higher coverage for personal liability, damages and injury.

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Coverage for special items

Your home may hold a few items that are especially valuable to you, like jewellery and art. This additional coverage protects those high-value items.

Contents coverage when you move

Insure your belongings against damage along the way to your new home. Scotia Home Insurance gives you the option to cover personal items during your big move.

Condo Insurance

Condo owners need a unique insurance policy to be completely protected. Scotia Home Insurance understands and works within your building’s regulations to ensure you have just the right coverage.

Our coverage options include:

Personal Property

Cover the cost of repair and replacement if your condo or contents are damaged. Plus, if you need to find a new home while repairs are in progress, you may be eligible for living expenses.

Liability

This covers your personal liability in the event of accidental damages or injury to someone else. Choose $1 million or $2 million in coverage.

All-risk

Your condo insurance policy should cover a lot more than the basics. An all-risk policy may cover accidental damages by yourself or from instances like fire, theft and vandalism.

Coverage for special items

Your condo may hold a few items that are especially valuable to you, like jewellery and art. This additional coverage protects those high-value items.

Unit Betterments & Improvements

This additional insurance covers essential condo repairs or replacements of upgraded items, like granite countertops and hardwood flooring.

Unit Additional Protection

If your building’s insurance policy has lapsed or is inadequate for your needs, this specialized coverage protects your individual unit in the event of damage.

Loss Assessment

Depending on the circumstances and your building’s policy, you might have to pay a share of a claim against the condo corporation. This additional insurance helps cover the cost of claims.

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Tenant Insurance

While your landlord insures your rental home, their insurance policy won’t protect your personal property or offer you any liability coverage. A Scotia Home Insurance tenant policy ensures that renters have the coverage they need.

Our coverage options include:

Contents Cover

Cover the cost of repair and replacement of your damaged belongings. Plus, if you need to find a new home while repairs are in progress, you may be eligible for living expenses.

Liability

This covers your personal liability in the event of accidental damages or injury to someone else. Choose $1 million or $2 million in coverage.

All-risk

Your tenant insurance policy should cover a lot more than the basics. An all-risk policy may also cover accidental damages to the rental property, voluntary medical expenses or essential upgrades to your home.

Coverage for special items

This additional coverage protects items that are especially valuable to you, like jewellery and art.

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Home insurance

Protect your home and belongings from the unexpected and find the right coverage for your needs.

Bundle and save.

Take advantage of additional savings and benefits when you insure your home and car through us.*

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Benefits you can look forward to:

  • 24/7 claims service

  • Discounts for claims and mortgage-free homeowners

  • Contents coverage when you move

  • Flexible premium payment options

Coverage options

From basic to comprehensive, Scotia Home Insurance has the right coverage for you and your home. Insure and protect your house, condo or rental property.

Home

Protect your property and possessions.

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Condo

Find a policy that works with your building’s policies and rules.

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Tenant

Insure your valued possessions and more.

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24/7 Insurance Claims

Should the unexpected happen, we’ll be here every step of the way.  You can report your claim day or night directly to one of our friendly insurance representatives.

Helpful tools and resources

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Home insurance

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Sales 

Monday - Friday: 8:00am-6:00pm
Saturday: 9:00am-5:00pm
Your local time

1-833-224-7306

Service

Monday - Friday: 8:00am-6:00pm
Your local time

1-833-224-7305, Service

Claims 

24 hours, 7 days a week

1-833-223-8743, Claims 

Online Support

Manage your policy online or chat to a specialist.

Help & Support, Online Support
*

Bundled savings applied when you purchase both home and auto insurance through BNS Insurance Agency Inc.

 

Scotia Home & Auto Insurance is arranged for by BNS Insurance Agency Inc. Policies are underwritten by Unifund Assurance Company (“Unifund”) except in the province of Quebec where the policies are underwritten by Royal & Sun Alliance Insurance Company of Canada (“RSA”).  Johnson Inc., as sub-contractor to BNS Insurance Agency Inc., provides certain customer services in respect of Scotia Home & Auto Insurance.

 

Described coverage and benefits applicable only to policies underwritten by Unifund or RSA. Auto insurance not available in BC, SK or MB. Home and auto insurance not available in NU. Johnson, RSA and Unifund share common ownership.

 

Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.