Home Insurance in Bedford

Living in Bedford offers the best of both worlds. As a resident of the Halifax Regional Municipality, you have easy access to Nova Scotia’s lakes and forests while enjoying a short commute to Halifax. Whether you reside near the Bi-Hi, Bedford Bypass, or Bedford Highway, you can expect an outstanding quality of life in Bedford. And, with the right home insurance coverage provided by your local Bedford insurance broker, you can relax and fully enjoy your life here.

High-quality Bedford home insurance tailored to you

As a brokerage serving Bedford, Nova Scotia, we understand that your home holds immense value beyond its physical structure. That’s why we take the time to understand your unique needs and priorities before recommending the perfect homeowner’s insurance plan for you and your family. Our offerings here at BrokerLink go beyond comprehensive residential plans to include insurance options for rental properties, secondary residences, and cottages, catering to a wide range of requirements.

Whether you are a first-time homeowner or an experienced property investor, our team of experts will work closely with you to identify the ideal insurance solution for your assets. We pay meticulous attention to every detail, ensuring that you receive the best coverage. But don’t just take our word for it—discover more about our extensive property insurance options below and why we are the preferred insurance brokerage in your Bedford community.

Types of property insurance coverage

When it comes to protecting your property, having the right insurance coverage is essential. Several types of property insurance coverage are available, each designed to safeguard your specific property type:

Home insurance

Homeowners in Bedford have access to standard home insurance options that provide protection for their property and personal belongings. This type of insurance typically includes coverage for the home’s structure, personal possessions, liability protection, and additional living expenses in case the residence becomes uninhabitable. It also encompasses losses or damages resulting from events like fire, theft, vandalism, natural disasters, and certain types of water damage.

Condo insurance

Condominium owners in Bedford should be aware that their unit is typically not covered by the condominium corporation’s insurance, which can lead to unfavourable consequences if damages or losses occur. Condo insurance protects personal belongings, offers liability coverage, and covers unit modifications. It also provides coverage for additional living expenses if displacement occurs due to an insured peril.

Tenants’ and renters’ insurance

For those renting a home in Bedford, it is essential to acquire tenant’s and renter’s insurance to protect yourself and your personal belongings from potential damages and losses. This type of insurance is specifically designed to safeguard your personal items, including electronics, jewellery, and other possessions, in case of damage or theft. It can also offer additional living expenses in the event you are displaced from your location. Additionally, it provides liability coverage in case of an incident on the rental property or within your rented house.

Vacation property and cottage insurance

As an owner of a vacation home, you recognize that it holds value beyond being just a house; it is an investment. To ensure its protection against unforeseen damages or accidents, it is crucial to have appropriate vacation property and cottage insurance. With the right insurance coverage, you can have peace of mind knowing that your investment is safeguarded against a wide range of risks, whether your property is occupied or vacant throughout the year. This insurance provides coverage for significant hazards such as fire, theft, damage to personal property, and liability for third-party incidents.

While there is no legal requirement for homeowners in Bedford to have home insurance, it is strongly advised to obtain this coverage. Without it, you may be responsible for paying expenses out of pocket, including damages, losses, medical costs, and legal fees, which can amount to significant financial burdens. Furthermore, proactive measures such as installing security features and practicing home fire safety are vital in minimizing the risk of accidents.

What to expect from your Bedford home insurance coverage

Just as homeowners in Bedford are unique, so are their house insurance policies. However, typical Nova Scotia home insurance policies generally encompass three essential coverage types: personal liability, including dwelling, and contents coverage. To help you understand what to anticipate from your property insurance in Bedford, our team at BrokerLink has provided detailed breakdowns of each primary section of house insurance below:

Personal liability coverage

By having personal liability insurance, residents of Bedford are shielded against liability claims, particularly those brought by visitors who allege injury or damage to their property while on the homeowner’s premises. This type of protection is essential because, as the property owner, you may be held responsible in the event of an accident on your property.

Aside from potential settlement costs, medical bills, and repairs, the financial burden of covering a lawsuit on your own can be overwhelming. However, with personal liability coverage included in your Bedford house insurance policy, you won't have to bear these expenses out of pocket. Instead, your insurance company will assist in covering a range of expenses, including medical and legal costs.

Dwelling coverage

It would be a mistake to underestimate the significance of dwelling coverage, as it provides crucial protection for the physical structure of your home. This means that if any insured risks, such as theft, wind damage, falling objects, or fire, cause harm to the structure, your house insurance will come to your aid. It is essential to remember that dwelling coverage solely safeguards the physical structure of your home, excluding its contents or the land it stands on. Furthermore, additional covered risks include explosions, lightning strikes, smoke damage, and collisions involving vehicles or aircraft.

Contents coverage

In case of loss or damage, contents insurance covers your belongings, including electronics, furniture, clothing, sporting goods, jewellery, and more. Essentially, if the assets in your home are destroyed or stolen due to a covered risk, such as theft or fire, your insurer may reimburse you for the cost of repairing or replacing the damaged items.

However, it’s important to note that contents coverage typically has a predetermined maximum per item, so if you own valuable jewellery or artwork, it is advisable to discuss additional coverage options with your insurance advisor. You can also opt to add specific items to your policy as floaters or riders, which will provide them with enhanced protection in the event of a loss.

Additional home insurance coverage options

For homeowners in Bedford seeking enhanced coverage options, BrokerLink provides a range of additional insurance, endorsements, riders, and add-ons that can be incorporated into your standard house insurance plan. These additional coverages address specific needs that standard insurance may not fully meet. Optional coverages include commercial business, equipment breakdown, and sewer backup. Below is a description of what each of these coverages provides:

High-value home insurance

High-value home insurance is a specialized type of insurance coverage designed for homeowners with high-value properties. It offers comprehensive home insurance protection that goes beyond what standard home insurance policies typically provide. High-value home insurance takes into account the unique features and characteristics of luxury homes, including custom construction, solar panels, high-end finishes, valuable personal belongings, and unique risks associated with high-value properties.

Sewer backup coverage

Sewer backups can be a distressing situation for homeowners. When sewage or wastewater accumulates and overflows from toilets or sinks, it can damage your home’s water. However, by obtaining a sewer backup coverage endorsement, you can receive financial assistance to help recover from such incidents.

Home business coverage

Engaging in regular or frequent home-based activities for financial gain is typically categorized as commercial business use, which requires specific coverage. If your property suffers damage or destruction as a result of your business operations, commercial business-use coverage ensures financial protection. Generally, conducting your own business from home would not be adequately covered by a standard house insurance policy.

Equipment breakdown coverage

Repairing or replacing faulty home equipment often comes at a high cost. It is highly recommended to have equipment breakdown insurance as the failure of essential equipment, such as HVAC systems or kitchen appliances like dishwashers and refrigerators, can lead to significant financial burdens.

What your Bedford home insurance may not cover

Even with comprehensive coverage, relying solely on your standard Bedford house insurance policy may not always provide sufficient protection. It is crucial to be aware of the limitations and exclusions outlined in the terms and conditions of your insurance contract. To ensure clarity on any potential exclusions, it is recommended to consult with an insurance professional before or after obtaining your policy. Understanding what is and isn’t covered is essential when purchasing homeowner’s insurance. Typically, the following situations are not covered by standard house insurance:

A vacant home

If your house will be unoccupied for more than 30 days, it is essential to inform your insurance company. Keeping an empty house can increase the risk of claims, potentially leading to a rise in insurance premiums. Most insurance providers require you to designate someone to regularly check on your house at least once every 72 hours. If you fail to appoint a house sitter while you are away and incur any loss or damage, your insurer may reject your claims. Therefore, if you frequently take extended vacations throughout the year, it is important to notify your insurance advisor beforehand and arrange for a house sitter.


When it comes to damage caused by renovation work, it’s important to note that homeowner’s insurance may not provide coverage due to the increased risk associated with house modifications. It is recommended to consult an insurance broker before undertaking any home renovations to determine the specific coverage needed. Remember to inform your insurance provider once the work is completed to ensure that your house remains adequately covered following the upgrades.


There are instances where an insurance company may deny your claim if they believe that you did not properly maintain your home and this negligence contributed to the loss or damage being claimed. For example, if a window was left open, allowing water to slowly seep in and cause significant damage to your walls over time. Therefore, regular maintenance of your home is crucial to ensure the effectiveness of your house insurance coverage. If you lack the time or expertise to maintain your property, it is advisable to consider hiring a professional company to oversee its upkeep.

Home sharing

In today’s era, numerous individuals utilize platforms like Airbnb and VBRO to rent out their homes for additional income. However, it is crucial to inform your insurance advisor if you plan to rent out your house, even for a short duration. Renting out your property introduces additional risks, and failing to notify your insurance broker could potentially lead to the cancellation of your house insurance.

How to prepare your home for an unexpected event

Unexpected losses can occur anytime, and navigating the aftermath can be complex with various documentation requirements. To simplify the claims process and alleviate stress, it is advisable to create a comprehensive home inventory list in advance. This inventory, photographs, and proof of ownership can expedite the process and ensure adequate coverage. Starting small and gradually developing your inventory over time can be a practical approach, saving you both time and money in the future.

At BrokerLink, we prioritize your peace of mind and are available to address any concerns or questions you may have regarding your homeowner or contents coverage. We understand the importance of protecting your most valuable possessions and aim to provide the necessary coverage so you can fully enjoy your time at home. Don’t let uncertainties about your insurance coverage cause unnecessary stress. Reach out to your BrokerLink broker in Bedford for answers and the reassurance you need.


How to save on home insurance with our Bedford insurance brokers

If you are seeking ways to reduce your homeowner’s insurance costs in Bedford, look no further than the expertise of BrokerLink’s insurance professionals. We recognize the importance of protecting your home while also considering affordability for property owners. We have developed a comprehensive checklist to help you save money without sacrificing coverage.

At BrokerLink, we firmly believe that high-quality insurance should be accessible and affordable for everyone. Our dedicated brokers are committed to offering cost-effective options to our clients, and they are readily available to provide expert advice on maximizing your savings. Here are some of our top tips for lowering your home insurance premiums:

Bundle your home insurance with other policies

By combining multiple insurance policies, such asbundling home and auto, home and business, or multiple house insurance policies like house insurance and cottage insurance, you can enjoy substantial cost savings on your insurance premiums. Opting for a bundle provides cost savings and simplifies the management of your policies by consolidating them in one place. Inquire with your BrokerLink insurance broker regarding bundle discounts to assess whether this option suits your needs.

Increase your deductible

Prior to increasing your deductible, carefully evaluate if you have the financial capacity to cover a higher amount in case you need to make a claim. Raising your deductible can result in lower premiums, but it may not be the most suitable option if you are unable to handle the additional out-of-pocket costs. Before making any adjustments to your insurance policy, ensure that the potential savings are worth the potential strain on your budget. Learn more aboutpremiums and deductibles here.

Install new home security features

Incorporating safety features into your home not only provides protection for your property and belongings but can also lead to reduced home insurance premiums. Homeowners who take proactive steps to enhance the security of their homes and reduce the risk of accidents or theft often qualify for insurance discounts. Examples of effective home insurance savings measures include installing monitored smoke alarms, security systems, and video surveillance.

Maintain a clean claims history

Making multiple small claims can increase your risk profile and potentially lead to higher insurance premiums in the future. Therefore, if you have a minor issue that can be resolved without filing a claim, it may be wise to handle the cost yourself. By avoiding unnecessary claims, you can avoid being perceived as a higher-risk policyholder by insurance providers, ultimately leading to significant long-term savings.

Shop around for the best option

While determining the appropriate level of coverage can be challenging, obtaining quotes from different insurance carriers is crucial. Each provider has its own rates and unique offers, making it necessary to shop around and find the most suitable option for your specific requirements. By comparing quotes from multiple carriers and working with one of our insurance brokers rather than directly with an insurance company, our broker can identify the most competitive rates and available discounts, thus allowing you to select the coverage that best fits your needs. Brokers, who possess extensive knowledge of the insurance industry and have access to multiple insurance companies, can save you time by conducting price comparisons on your behalf.

Get advice from a Bedford BrokerLink insurance broker

Residents in Bedford have access to various insurance savings opportunities. Long-term customers, members of groups or associations, and those with no mortgages may be eligible for discounts on their homeowner’s insurance. To explore the numerous ways you can save on your insurance coverage, we recommend consulting with one of our knowledgeable insurance consultants at BrokerLink.

Our insurance brokers in Bedford are dedicated to helping you swiftly and effortlessly obtain high-quality homeowner’s insurance. With years of experience, licensing, and a commitment to assisting families, every BrokerLink insurance advisor is well-equipped to help you find the best insurance solutions.

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting our neighbours!

Why work with a BrokerLink broker

Since 1991, the BrokerLink team has been dedicated to finding insurance policies that meet the needs and budgets of our customers. We are experts in all things Bedford insurance and can ensure you receive the most competitive rate on your policy.

Local Nova Scotia Insurance Links

If you’re a member of a group or association, you may be eligible for more discounts.

Contact us

At Bedford BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the right coverage possible.

You can reach us by phone, email, or in person at any one of our locations throughout Nova Scotia. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

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FAQs for Bedford home insurance

Is home insurance mandatory in Bedford, Nova Scotia?

While not legally required, like auto insurance, many homeowners in Nova Scotia still choose to have home insurance. Mortgage lenders often include it in loan agreements, and landlords may require tenants to have tenant insurance.

What factors do insurance providers consider when calculating Bedford home insurance rates?

When calculating home insurance rates in Bedford, insurance providers consider factors such as property location, age, construction materials, coverage level, claims history, safety features, and deductible amount.

I recently bought a cottage in Bedford, Nova Scotia. What insurance coverage do I need?

For your newly purchased cottage in Bedford, Nova Scotia, you should consider purchasing vacation property or cottage insurance, which generally includes dwelling, liability, and contents coverage. You may also wish to add additional coverage options for unexpected perils, such as flooding or sewer backup.

What kind of water damage is covered under a home policy?

Typically, standard home insurance provides coverage for water damage resulting from sudden and accidental incidents like burst pipes or water heater failures. However, coverage for gradual damage caused by slow leaks or seepage may be limited or excluded.

If you have any questions, contact one of our local branches.