Home Insurance in Truro

Truro is a fantastic place to live thanks to its solid economic foundation, historical beauty, and proximity to the Bay of Fundy and the Annapolis Valley. The Hub of Nova Scotia is a beautiful place to call home, from Lower Truro to Truro Heights and everywhere in between. And your neighbourhood BrokerLink is a terrific place to find Truro home insurance.

How do I get home insurance in Truro, Nova Scotia?

Are you looking for home insurance in Truro? Or perhaps you’re considering changing home insurance policies? Fortunately for you, our team of skilled insurance brokers at BrokerLink specializes in house insurance. Whether you need basic house insurance, cottage insurance, rental property insurance, or condo insurance, we are positive that we can offer you a tailored insurance solution.

What to expect from your Truro home insurance coverage

Although homeowners in Nova Scotia are not required to have home insurance, getting coverage is still one of the best methods to protect your home and possessions. The financial stability it offers against many threats, as well as the accompanying sense of comfort that comes with knowing you are protected against unforeseen perils, make purchasing house insurance undoubtedly alluring.

However, as mortgage lenders in Nova Scotia frequently impose this rule as a stipulation of their loan agreements, many house hunters in Truro will still need to obtain house insurance in order to be approved for a mortgage. Furthermore, before completing your rental application, landlords may request proof that you have Truro tenant and renters insurance.

By reading the descriptions of each key category of coverage provided below, you can gain a better understanding of what to anticipate from your Nova Scotia home insurance policy:

Dwelling coverage

Because it insures the physical structure of your home, dwelling insurance is crucial. Your house insurance policy will protect you if any of the insured risks—such as fire, a falling object, wind, or theft—damages your home. It’s vital to remember that dwelling coverage does not cover the contents of your home or the land on which it is built; rather, it only insures the physical structure of your home. Lightning strikes, explosions, impacts from cars or planes, smoke damage, and other threats are also included.

Contents coverage

Contents insurance provides coverage for the items in your home. It can provide financial protection for your material possessions, like sporting goods, furniture, clothing, electronics, jewellery, and other items, in the case of loss or damage. Basically, if the contents in your home are lost or destroyed due to an insured risk, such as a fire or theft, your insurer may compensate you for the cost of replacing or repairing the affected items. However, as contents coverage frequently has a predetermined amount per item, consult your insurance expert about additional coverage choices if you own any pricey jewellery or pieces of art.

Personal liability coverage

If a homeowner in Truro, Nova Scotia, has personal liability insurance, they are protected from liability claims, especially those made by visitors who allege they were injured or had their belongings damaged while on the homeowner’s property. This form of liability insurance is essential since you can be held liable if an accident occurs on your premises.

Even without including any potential payout fees, medical expenses, and repair costs, it might be challenging to fund a lawsuit by yourself. Fortunately, personal liability is protected by your Truro homeowners insurance policy, so you will not have to finance for these costs out of pocket. Instead, your insurance provider would assist in covering a range of costs, such as legal and medical bills.

Extra home insurance coverage for your policy

Basic home insurance can cover your house against a variety of unplanned tragedies, but it may not always offer an adequate amount of protection. BrokerLink also provides a range of endorsements, riders, and add-ons that may be incorporated into your normal Truro home insurance plan for homeowners who desire more extensive coverage alternatives, such as coverage for commercial business, equipment breakdowns, and sewer backups. Here’s what these coverages entail:

Commercial business coverage

If you run a home-based business, you should obtain commercial business insurance. This coverage offers financial protection in the event that your property is destroyed or damaged as a result of your business operations. Without this additional endorsement, your standard home insurance coverages likely would not insure any losses or damages brought on by your business.

Equipment breakdown coverage

We are all aware of the high costs associated with fixing or replacing broken home appliances. A damaged piece of equipment, whether it be a piece of HVAC equipment or a kitchen appliance (such as a stove or microwave), can have serious financial repercussions, which is why equipment breakdown insurance is strongly encouraged. With the aid of this endorsement, you may be financially compensated in the event that a piece of equipment within your house breaks suddenly.

Sewer backup coverage

A terrible scenario for many Truro homes is a sewer backup. Sewer backups happen when wastewater or sewage builds up and overflows out through a toilet or sink. If this happens, your home may sustain water damage. Luckily, if you opted to have a sewer backup coverage endorsement, it is there to assist you if this happens to you.

What your Truro home insurance may not cover

Even while your standard Truro homeowners insurance policy offers rather comprehensive coverage, you can’t always rely on it to keep you safe. Even house insurance has limitations, which are detailed in your contract’s terms and conditions. To check any exclusions in your coverage, you can consult with an insurance specialist before or after purchasing your policy. Knowing which items are and are not included in your homeowner’s insurance policy is crucial each time you buy new coverage. The following scenarios are ones that basic home insurance frequently excludes:

Home sharing

Nowadays, many people rent out their homes to generate additional income using websites like VBRO and Airbnb. Just remember to let your insurance agent know if you plan on renting out your home, even for a short while, as failing to do so could lead to the termination of your house insurance.


Some Truro property owners may not realize that their homeowner’s insurance might not protect them if damage results from a renovation project. This is because home improvements carry a higher risk. If your property will be renovated, speak with an insurance advisor to figure out what kind of coverage you need. Don’t forget to inform your insurance company after the job is finished to ensure you still have the appropriate degree of coverage for your property after the renovations are complete.

A vacant home

You must inform your insurance provider if your home will be vacant for a period of time longer than 30 days. A rise in insurance costs could be a result of keeping an empty house. Also, the majority of insurance companies mandate that you send someone to check in on your home at a minimum every 72 hours. If you decide not to hire a house sitter while you are away, your insurer can reject your claims if there is a loss or damage. Therefore, if you frequently go on long trips throughout the year, be sure to inform your insurance broker in advance and find yourself a house sitter.

Ways to save money on your home insurance in Truro

At BrokerLink, we want to make it easier for homeowners to find reliable coverage at affordable prices. We are committed to looking into every possible way to save you money. Check out the tips we’ve provided below for ways to save money on your Truro house insurance policy, including how to bundle home and auto insurance, what factors to look for when purchasing a home, and more:

Bundle home insurance with other policies

Multiple insurance policies, such as home and auto insurance, can be bundled together to significantly reduce the cost of insurance premiums. You could save anywhere from 5% to 15% on each policy, depending on the insurance provider.

Increase your policy deductible

Even though insurance protects you from financial loss, you still have financial obligations as the policyholder. Before the insurance company will cover the remaining costs of an insurable loss, you must pay your insurance deductible. The amount of your deductible is completely up to you; however, on average, a home insurance deductible is between $1,000 and $2,000.

Review your coverage frequently

Before renewing, we firmly advise you to evaluate your coverage. This might aid in locating any insurance you could be paying for and yet no longer require. Consult with your insurance broker if your policy is about to expire and you’re having trouble selecting which coverage you should keep.

Consider all factors in your home purchase

Due to the high liability concerns that possessing a pool brings, pool owners often pay extra for their home’s insurance. Because of this, if having a pool is not a necessity, look for a house without one to save money on the extra insurance costs associated with owning one.

Particularly if your home is situated in a rural location, you should also take into account if the house is close to a fire hydrant or a fire station. The distance between emergency services and your home will determine whether the damage is small or severe. As a result, if your house is close to a fire station or a fire hydrant, you may be eligible for an insurance discount.

Install a home security system

If you install a monitored security system on your property, you might be eligible for a security system discount on your house insurance. However, make sure you find out the specifics of this discount from your insurance broker before making a purchase. Most insurance companies have a list of particular home security systems that are approved.

Get advice from a Truro BrokerLink insurance broker

You might be happy to learn that Truro residents are eligible for a number of insurance discounts. For instance, many businesses or schools offer their students or staff discounts on home insurance. Long-time customers and nonsmokers may also be eligible for some savings.

By consulting with one of our qualified insurance specialists at BrokerLink, you can learn about the many ways you could save money on your homeowner’s insurance. You can quickly and easily get top-quality homeowner’s insurance with the help of an insurance broker in Truro. Each BrokerLink insurance broker has years of expertise, is licensed, and is dedicated to helping our customers find the best possible coverage.


Why you should work with an insurance broker

We are aware that finding home insurance in Truro can be challenging, given the wide range of insurance options available. Fortunately, BrokerLink is prepared to make it hassle-free for you. Because of our exceptional customer service, in-depth insurance knowledge, and unrivalled resources, we provide our customers with a stress-free insurance experience. For all of your insurance needs in Nova Scotia, you should think strongly consider employing an insurance broker for home insurance and more. Here’s why:

Insurance brokers are independent of insurance companies

Insurance companies do not employ insurance brokers. As a result, our BrokerLink insurance specialists are always able to prioritize the needs of our customers. Before offering you honest and straightforward advice on the best kind of insurance for your house, we take into consideration your specific needs. Instead of concentrating solely on one particular form of insurance, we can evaluate quotes from many insurance companies to get you the right coverage at the best price.

Insurance brokers can help you when the unthinkable happens

As brokers, we serve as a point of contact between our customers and the insurance companies. BrokerLink can also assist you with filing claims. We make sure that you are able to return to your regular life as soon as possible after submitting a claim.

Insurance brokers are home insurance experts

Not to mention, we are well-versed in Truro home insurance. The BrokerLink staff has been working tirelessly since 1991 to help customers find insurance options that satisfy their expectations and financial requirements. We guarantee to find you the most affordable insurance.

We’re in your community

A big part of who we are involves getting involved with the community. We live and work in your community, and we enjoy meeting our neighbours!

Local Nova Scotia Insurance Links

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

Contact us

We at Truro BrokerLink are available to assist you with your insurance needs. Let us assist you in locating the finest coverage for your house, vehicle, business, recreational equipment, or pets. Any of our insurance representatives will be happy to help you with your insurance requirements.

You can reach us via phone, email, or by visiting one of our numerous offices throughout Nova Scotia. Additionally, we advise using our online free quote generator! In only a few minutes, it will provide you with a free estimate on home insurance.

Get a home insurance quote [phone]

FAQs on Nova Scotia home insurance

Does my home insurance cover if someone slips on my front sidewalk?

Yes. If an event of liability occurs on or near your property, your homeowner’s insurance will protect you, subject to local bylaws. By carefully clearing the snow and ice from your property, you can help prevent a slip and fall.

Does my home insurance cover if I renovate my home?

No, work being done on your house is not automatically covered by your home insurance policy. Before starting any home improvements, you should consult with your insurance broker to verify whether your insurer covers your planned renovations and to find out whether you need any supplementary coverage.

Does my home insurance cover if I go on vacation?

Yes, but with a few restrictions. It is better to have a trusted friend or neighbour check on your house while you’re away. We advise having someone come to your house once every 72 hours. If you’re going during the winter or for an extended amount of time, you should also turn off the water and empty your pipes.

I rent a condo in Truro. Can I still buy home insurance?

Yes, homeowners, renters, and other people can purchase Truro condo insurance (or home insurance) plans. And y our landlord might already require you to get renter’s insurance if you’re a tenant. Your insurance advisor can check to see if the terms of your lease agreement are met by your insurance coverage. Furthermore, even if a landlord decides not to need tenant insurance, buying it can be very advantageous.

Remember that a landlord’s insurance policy usually does not cover the personal belongings of their tenants. Renters insurance can, therefore, financially assist you in replacing your damaged or lost possessions in the event that your building catches on fire or if the flat above you floods, pouring water into yours.

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