How can I find home insurance in Kentville, Nova Scotia?
BrokerLink has a unique formula for providing insurance to protect your home. It starts with the fact that your home is unique to you, so we get to know your specific needs. By knowing your insurance history, your house and its contents, and your unique risks – we get the right insurance you need. Once we get to know you and your needs, we provide free competitive home insurance quotes that save you money.
The BrokerLink team understands just how challenging it can be to find a Nova Scotia home insurance policy that fits your needs. That's why we are here to help. As a local insurance brokerage, we have years of experience helping Nova Scotia homeowners like you find the best possible home insurance coverage at a competitive rate. So if you're looking for reliable insurance, we've got your back. Here's all you need to know about comprehensive home insurance solutions in Nova Scotia.
Kentville home insurance coverage
One of the best ways you can protect your home is by purchasing a home insurance policy. House insurance can safeguard both your home and its contents from common risks like theft, property damage, and even third-party liability claims. With the right coverage, your home and its contents can be protected from all kinds of risks!
While your home insurance coverage will vary based on the policy you purchase, it generally includes the following home insurance products:
Dwelling insurance covers your physical home (the building and structure) in Kentville, Nova Scotia. If your property is damaged by an insured peril (like those listed below), you may be covered under the dwelling portion of your Kentville house insurance policy. A few examples of perils commonly covered by dwelling insurance include:
- Falling objects
- Car/aircraft impact
Whereas dwelling insurance aims to protect the physical structure of your Kentville home, contents coverage is designed to protect the contents of your home (e.g. your personal property). Possible items that may be covered under your contents coverage in the event of damage or losses include sporting equipment, clothing, electronics, jewellery, furniture, and more.
Personal liability coverage
This coverage is considered a critical component of any home policy and can protect you if a third party, such as a guest or delivery person, injures themselves while on your property. You may be held liable in such an instance, which means any legal and medical fees would fall to you - or they would, if you didn’t have insurance. This portion of your coverage can also come in clutch if you or a household member should cause damages to someone else’s property.
Add-on coverage options for Kentville home insurance
Some homeowners may find that they need more protection than what's offered in a standard home insurance policy. Fortunately, there are many add-on endorsements available to help Kentville residents customize their policies. Some of these add-ons include business coverage, equipment coverage, and sewer coverage. We've outlined these three below:
A business insurance add-on is a must if you operate a business out of your Kentville home. A standard home insurance policy in Nova Scotia will not protect against damage or losses that arise from business operations. As a result, if an incident occurred which could be tied back to your business, you would only have insurance if you had a business add-on or separate policy.
Equipment breakdown coverage
Equipment breakdown insurance is another additional coverage option that many insurers offer. If a piece of equipment in your home experiences a sudden or unexpected failure, equipment breakdown coverage can come in handy. This type of insurance may cover equipment like your washer/dryer, kitchen appliances, HVAC units (air conditioner, furnace, heat pump, etc.), and your home security system. While not typically included with basic home insurance policies in Kentville, this additional coverage can be worthwhile, especially when you consider how expensive fixing or replacing broken home appliances can be.
Sewer backup coverage
Sewer backup insurance is one final type of coverage that Kentville homeowners may benefit from including in their policies. Adding this coverage to your home insurance policy can help you pay for repairs to your home in the event of damage as a result of sewer backup (and as many Kentville homeowners know, water damage from a sewer backup can be extensive).
Note that all of the options listed above must be purchased as add-on coverage and will not automatically be included in your policy.
What your home insurance policy may not cover in Kentville, Nova Scotia
While home insurance policies are generally intended to protect your property, even insurance has its limits, which are detailed in the terms and conditions of your policy. These terms outline the circumstances in which a policyholder’s coverage will become void. For this reason, it is important you speak with your home insurance company to ensure you thoroughly understand what is and isn’t included in your insurance policy.
Below you will find a list of situations that are typically not covered by home insurance policies in Kentville, Nova Scotia:
It has become increasingly popular for Kentville homeowners to place their homes on sharing platforms, like Airbnb or VRBO, as a means of earning supplemental income. Otherwise known as homesharing, this service can be a great way to earn money - but it can also invalidate your policy if you do not notify your insurance provider of any rental activities going on.
If your property is empty for long periods of time (e.g. more than one month consecutively), it’s important to tell your insurance provider, as a vacant home can impact your rates. So before you head south for the winter, get in touch with your insurance broker and speak about vacant home insurance policies. Otherwise, if a loss or damage occurs while you are away, your existing home insurance provider may not cover you.
Failing to maintain
Regular home maintenance can not only help your home last longer, but it can also help homeowners save on costs. However, if you allow your home to fall into a state of disrepair, your home insurance policy may become invalid. For example, if your roof were damaged and had missing shingles, allowing water to enter your home and damage it, your home insurance company may refuse to pay for the damage.
Finally, your property insurance policy may not cover you if property damage occurs as a result of a renovation. If your Kentville home is undergoing a renovation, we suggest informing your insurance broker as soon as possible since upgrades can influence the cost of home insurance.
How to get the best home insurance rates in Kentville, Nova Scotia
Looking to save money on your home insurance in Kentville? Contact BrokerLink. We are committed to helping the residents of Kentville find comprehensive coverage at affordable rates. By shopping around on your behalf and comparing quotes, we help our customers get the best insurance at the lowest price.
Never overpay for home insurance in Kentville again when you follow these expert tips from our licenced brokers at BrokerLink:
1. Install a security system in your Kentville home
Installing a security system in your home is one way to save money on property insurance. Some insurance providers may incentivize their policyholders by offering a discount for those who invest in and install certain security systems in their home. These systems add an additional layer of security and can visually deter thieves. Reach out to speak with one of BrokerLink’s insurance brokers to learn more about the types of security systems that may qualify for a home insurance discount in Kentville.
2. Bundle multiple insurance policies and save
If you are shopping around for multiple types of insurance (e.g. home insurance, car insurance, renters insurance, leisure vehicle insurance), consider purchasing them from the same insurance company. Purchasing multiple insurance policies from the same provider could save you up to 15% on each policy. So if you need another type of insurance on top of property insurance (e.g., home and auto insurance), or you need two home insurance policies (e.g., one for your primary residence and condo insurance for your secondary), consider bundling your insurance policies at the same time, and you could save big.
3. Increase your policy deductible
Increasing your property insurance deductible is another quick tip for saving money on your homeowner's insurance. This tip applies to all types of insurance, whether you have a home, auto, or any other policy - the higher your deductible, the greater your savings. That said, before increasing your insurance deductible, it’s important to understand what a deductible is and the consequences of raising it. Keep in mind that the higher your deductible, the more you will have to pay toward an insured loss in the event of a claim. For this reason, you should never raise your deductible above an amount you can reasonably afford. Contact BrokerLink to learn more about deductibles and get an expert opinion on whether increasing your current deductible is a good option.
4. Pay your premiums annually instead of monthly
Another quick and easy way for Kentville homeowners to save more on home insurance is by making one annual payment rather than twelve monthly payments. This is because many insurance companies charge administrative fees for every payment you make. Therefore, paying off your insurance in one installment versus twelve installments will often save you money. If your insurance provider gives you the option of paying for your property insurance policy monthly or annually, be sure to inquire about the fees associated with each.
5. Skip out on the house with the pool
Homes with pools are, unfortunately, more risky than homes without. Pools present a huge liability risk, especially unfenced ones, and if you decide to purchase a home with a pool or install a pool, your insurance will likely be higher.
6. Purchase a home near a fire station or hydrant
The likelier you are to receive help in time if there’s a fire or other emergency, the lower your rates may be. This is true if your home is located within a certain distance of a fire hydrant or station. If a fire did break out, the odds of your home receiving help in time is far greater - and so your insurance company may perceive your situation as less risky.
7. Consult with a BrokerLink insurance advisor
Consulting with an insurance broker is our last tip, but easily our most helpful! BrokerLink’s team of fully licenced and dedicated individuals are happy to find each our customers the best possible policy. We take the time that is necessary to understand who you are and what your needs, and then find you a policy that meets those needs. Additionally, we do the work on your behalf, so shopping for insurance is easier than ever. For an expert who works for you and can give you all the insider knowledge you need on discounts and benefits, look no further than BrokerLink.
Is home insurance mandatory in Kentville, Nova Scotia?
Having a home insurance policy is not a requirement in Nova Scotia. However, many homeowners still purchase home insurance when buying a home as mortgage lenders and banks are permitted to have it as a condition on their loan agreements. Similarly, tenant insurance is often a conditional requirement by landlords in order to approve a rental agreement. Contact BrokerLink to discuss further home insurance requirements in Kentville, Nova Scotia.
Why work with a BrokerLink broker
With so many options in Kentville for home insurance to choose from, we understand that insurance shopping can be overwhelming. But here at BrokerLink, we are ready to make it just the opposite. We provide a hassle-free insurance experience thanks to our superior customer service, insurance expertise, and unbeatable resources.
Having been in the business since 1991, you can trust in BrokerLink to know the ins and outs of the home insurance industry. We utilize our expertise and resources to match you with a great policy that has even better rates.
We’re in your community
Being a part of the community is a huge part of who we are. Working and living within the communities we serve gives us a unique opportunity to get to know our neighbours even better!
Local Nova Scotia Insurance Links
If you’re a member of a group or association, you may be eligible for more discounts.
At Kentville 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 best 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, one of our super helpful BrokerLink insurance brokers will be happy to assist you. We also encourage you to take advantage of our free online quote tool, which can provide you with a competitive quote in minutes.
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FAQs on Kentville home insurance
Should I work with an insurance broker in Kentville?
It is up to you whether you choose to purchase home insurance through an insurance broker or an insurance agent, but many residents in Kentville choose the former due to the benefits working with a broker offers.
How much does Kentville’s property insurance cost?
The cost of Kentville house insurance varies considerably as it depends on many factors. For example, insurance companies in Nova Scotia may consider the following factors when calculating home insurance premiums: your claims history, the address of your property, the value of your property, the size of your property, the number of people who reside in your property, and the deductibles, policy limits, and coverage types you choose.
I just bought my first home in Kentville. What type of home insurance do I need?
Generally speaking, Kentville residents require standard home insurance coverage (e.g. dwelling insurance, contents insurance, and personal liability insurance). However, depending on your personal preferences, the condition of your home, and your risk level, you may also wish to purchase additional protection.
For more FAQs, visit the BrokerLink FAQs page.
More Ways to Find a Great Home Insurance Rate