Scotia Home Insurance
Learn how Scotia Home Insurance can help you protect your home, condominium, or personal property from the unexpected. Flexible coverage options are available to ensure you get the appropriate coverage for your individual needs.
Home Insurance
Scotia Home Insurance will help protect you against those risks that have the highest probability of occurring, such as fire, water, theft and other types of property damage.
- Liability
Liability coverage protects you against bodily injury and property damage you may accidentally cause another person. Most policyholders opt for $1 million in liability insurance coverage. You may, however, increase this amount up to $5 million under certain conditions. - Blanket Insurance
In the event of a claim, this coverage enables you to allocate coverage however best suits your needs, between your building, your detached private structures, your contents and additional living expenses. - 24/7 Emergency Claims Assistance
Should you have to face the unexpected, you can contact us any time - day or night. We will be there to help you - getting your life back to normal as soon as possible by handling claims quickly and efficiently and providing important assistance during emergency situations. You can call us toll free from anywhere in North America. - Identity Theft Assistance
This feature is included with all Scotia Home Insurance policies at no additional cost to you. It provides access to a team of assistance coordinators, certified lawyers, and mental health professionals, who inform and support you through the process of restoring your personal credit reputation. - Property Damage Coverage
If you're a homeowner, property damage coverage protects your residence, outbuildings (garage, shed, etc.), and personal belongings against most accidental damage (fire, theft, vandalism, water, etc.). If you're a tenant, it protects your personal property.
Optional Coverages
Scotia Home Insurance also offers a variety of coverage options to help ensure your individual needs are met. Contact one of our licensed representatives who will answer any questions you may have regarding our optional coverages.
- Escape of Fuel Oil*
In addition to covering your personal belongings, in the event of a fuel oil leak or spill, this option covers:- Soil decontamination - up to $100,000
- Legal liability - up to $100,000
- Water Damage*
Your basic policy covers you against damage caused by water. For example, it protects you in case of leaks caused by:- Electric household appliances, such as a dishwasher
- Plumbing problems, such as a burst pipe
- Water damage caused by rain or snow seepage through the roof or walls
- Sewer backups, etc.
- Valuable Articles Coverage
Protect the things that are important to you, including high-value items such as jewellery, fine art and other collectibles you may have. - Secondary Premises Coverage
Coverage is also available for cottages, mobile homes, rental properties, secondary residences and watercraft. - Above Ground Pool and Outdoor In-ground Pool, Hot Tub, Spa, and Sauna
Protect your outdoor above-ground or in-ground pool, spa and sauna. Frost and the weight of ice and snow are just some of the threats that can damage your pool or spa. You can add extra coverage to your basic insurance to protect:- Your outdoor above-ground pool, including equipment, accessories and attached patios that are not connected to the house
- Your in-ground pool or spa, including equipment, accessories and attached patios that are not connected to the house
- Personalize Your Insurance Policy
Basic coverage is included in your policy, but you can change certain elements. For example, you could increase your deductible to reduce your premium, or change your legal liability amount.
