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Home Insurance

Protecting Your Home & Belongings with House Insurance in Halifax, Nova Scotia

If you live in Nova Scotia, you know that your home, condo or rental unit can take a beating from harsh weather such as floods, damaging winds, ice and snow.

In larger cities like Halifax, theft and vandalism are more prevalent and can result in serious, costly damages to your home.

If something happened to your home, would you be able to pay for the repairs out-of-pocket? No? That’s why getting home insurance in Halifax and the surrounding areas is crucial for protecting your house and your belongings.

Different Types of House Insurance in Halifax Nova Scotia

There are a variety of policies to suit just about every situation and budget. Even if you don’t own your home, you should still protect its contents. The following are some of the basic options available: 

  • Home—protects you against financial loss due to damage. It provides you with liability, building and contents coverage.

  • Condo—provides liability, contents coverage and contingent coverage depending on whether you rent, own or co-own your condo.

  • Tenant—covers only liability and damage to your personal belongings within the dwelling because as a tenant, you are not liable for damages to the building itself.

Understanding Your Protection

Each type of policy works with possible perils that can damage your property or the belongings within your dwelling. A basic policy may only insure your home against fire. A more comprehensive policy will give you additional coverage like theft, vandalism and damage caused by natural causes such as the weight of ice, snow or sleet on your roof.


The more perils your policy covers, the more premiums you pay. However, the greater coverage you have, the higher the recovery payments you will receive should you need to file a claim.

Finding the Right Provider in Halifax Nova Scotia

With over 30 years of experience, Eisenhauer can find a policy to suit any situation. Our friendly, knowledgeable brokers will do the groundwork for you, comparing all providers for house insurance in Nova Scotia. Some of the providers we use are:

Economical Insurance
Intact Insurance
Travelers Insurance
Wananesa Insurance

We work tirelessly to get you the policy that’s right for your family and your budget.

Home Insurance Frequently Asked Questions (FAQs)

Here are some of the most frequently questions about house insurance from our clients.

  • 1. What’s mandatory auto insurance in Nova Scotia?
    In Nova Scotia, your auto insurance policy must include the following elements: Liability covers you if you’re involved in a crash where you’re to blame, and the other driver files a claim against you. Accident benefits cover you and any passengers in the event of an accident. Direct compensation covers vehicle damage in a crash where you’re not at fault or only partially at fault. Uninsured automobile covers you if you’re involved in an accident with a driver who has no insurance. The minimum liability coverage in Nova Scotia is $200,000. However, we don’t recommend a policy with such low protection because you may have to pay a balance if you’re in a severe crash. We recommend a liability policy of at least $1 million. Those in the insurance industry typically opt for a $2 million liability policy.
  • 2. What’s the penalty for driving without auto insurance in Nova Scotia?
    If you drive without auto insurance in Nova Scotia, you could be fined up to $1,200. Additionally, your licence could be suspended for a year. The conviction will remain on your driving record for 10 years. During that time, you’ll receive a 25 per cent surcharge on your car insurance. You may also struggle to find an insurance company that will give you high-risk insurance.
  • 3. Can I drive someone else’s car if that car is uninsured?
    In Nova Scotia, it’s the driver’s responsibility to ensure the car they’re driving is insured, whether they own it or not. You risk being fined and having a criminal record if you drive an uninsured automobile. The same goes for lending. For example, if you let someone else drive your car and that person gets into an accident, you’re responsible for making a claim on your insurance policy.
  • 4. What factors determine auto insurance rates in Nova Scotia?
    Insurance providers base their rates on the following factors: Vehicle type. Certain types of cars are prone to theft, have low safety ratings or are expensive to repair. These vehicles generally have higher premiums than other vehicles. Vehicle use. How often you use your car and how you use it determines your insurance rates. For example, the more you drive, the more likely you’ll be involved in a collision. Driver age and profile. Younger drivers typically pay higher premiums than older drivers because they’re less experienced and more risk-averse. Postal code. Rural drivers tend to make fewer claims than drivers in high-traffic urban neighbourhoods and pay lower premiums. Deductible. The deductible is the amount you agree to pay when making a claim. A higher deductible will lower your premiums.
  • 5. How can I lower my auto insurance premiums?
    Drivers with spotless records, who’ve taken a drivers’ education course or have installed security measures in their cars are eligible for insurance premium discounts. Another way to reduce your premiums is to bundle your car insurance with your home insurance or choose a higher deductible.
  • 6. How much does it cost to register a car in Nova Scotia?
    The vehicle registration fee in Nova Scotia is $13.20 (as of September 2021). Vehicle permit fees range from $143.30 to $276.50, depending on the vehicle’s weight.
  • 7. How do auto insurance rates in Nova Scotia compare to other provinces?
    According to recent data from the Insurance Bureau of Canada (ICB), here’s how Nova Scotia ranks when it comes to average car insurance premiums. British Columbia: $1,832 Ontario: $1,528 Alberta: $1,316 Saskatchewan: $1,235 Newfoundland and Labrador: $1,168 Manitoba: $1,140 Nova Scotia: $891 New Brunswick: $867 Prince Edward Island: $816 Quebec: $717
  • 8. What does no-fault car insurance mean?
    The term “no-fault” means that if you’re in a crash and you’re injured or your car is damaged, you deal with your insurance company, regardless of who's responsible. You can receive reimbursement more quickly because you don’t have to wait for a court to decide legal liability. Your insurance company determines and assigns a percentage of fault for each driver based on predetermined rules and calculations.
  • 9. Who sets auto insurance rates in Nova Scotia?
    The Nova Scotia Utility and Review Board (NSUARB) monitors rates and approves or declines requests for rate changes from insurance companies. The Office of the Superintendent of Insurance regulates provincial insurance matters and enforces the Insurance Act.

Visit Us Today!

If you own a house, a condo, or you rent your home in Nova Scotia, you need home insurance. Visit our location in Halifax to get a free quote today. Or you can give us a call at 902-454-5888 or email us if you have any questions.

At Eisenhauer, we offer no-pressure, no-obligation, consultative insurance services.

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