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Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Save up to 20% by bundling your home and auto insurance
Our Reviews
I've always had service handled in a good time frame. Changes for any vehicle paperwork has been done immediately.
I've never had a claim, so I can't comment on any handling in that nature.
I had great experience with Surex agent when I needed to change my insurance policy quickly to accomodate my needs.
They were able to act fast as I requested and I appreciate it very much.
Great job!
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Saint John, Canada's oldest incorporated city, is located on the Bay of Fundy and is home to over 70,000 people. It is a popular tourist destination, known for its historic sites, cultural attractions, and natural wonders, such as the reversing rapids, a phenomenon caused by bay tides colliding with the Saint John River. There is lots to do and see from the City Market where you can find food and craft stalls from local vendors and artisans, visit the New Brunswick Museum, as well as the 1913 Imperial Theatre for plays, concerts, and dancing! For the outdoor enthusiast, you can hike the many trails of Rockwood Park and a peninsula trail that takes you through Irving Nature Park where you can explore salt marshes, volcanic rock, and forests.
Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting homeowners insurance to protect the place they live, raise a family, and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that.
Home Insurance In Saint John
The cost typically depends on a number of factors including the construction of the home, updates to heating, electrical, plumbing, and roofing, chances of water damage, prior claims, and more. It’s best to budget approximately $800-2600 annually for home insurance costs, but again this will vary from person to person.
The cheapest home insurance provider depends on how your situation fits into the formula companies create to evaluate policyholders. Comparing quotes with Surex will allow you to get the cheapest price on home insurance and get you the best insurance coverage for your situation.
We've partnered with some of the best insurance companies in New Brunswick to provide you with 10 + quotes for you to compare and get the best quote and price for your situation! Let Surex find you the best Home insurance New Brunswick has to offer. Here is who we work with:
- RSA
- Pembridge
- Intact
- Travelers
- Wawanesa
- Aviva
- Economical
In rare cases, you can denied home coverage by insurance companies. Usually, this would be due to risks that the insurance company deems to be too dangerous or potentially too costly. These risks could include severe and sustained weather conditions, compromised structural quality of the home, or extremely high neighbourhood crime rates. This is another reason why comparing coverage options on Surex.com is so helpful — if you’re denied coverage by one company, you can keep looking until you find a provider who will meet your needs.
Home insurance typically comes in three forms: (1) Comprehensive or All Perils, (2) Basic or Named Perils, and (3) Broad. Comprehensive is the most complete form of coverage available, protecting your home against all threats (excluding those which require additional coverage — such as high-value items and water damage — and those specifically left off your policy). Basic coverage protects your home and its contents against those threats that have been specifically added to your policy. Broad coverage is a combination of the previous two, protecting your property in a ‘comprehensive’ sense, and protecting your belongings in a ‘basic’ sense. Speak with a qualified Dedicated Insurance Assistant about what home insurance coverage type is right for your property.
Home insurance rates in Saint John are impacted by a range of variables, including: age and location of home, type of home, home construction details, replacement cost of home, personal claims history, coverages selected, deductible amount, value of possessions, nature of home improvements, neighbourhood crime rate, and home safety and security features.
It doesn’t happen every time someone purchases a policy, but sometimes an insurance company will send an inspector to examine your property. Here are a few things they might request to look at: the condition of your roof, your home’s electrical wiring, your home’s plumbing (pipes older than 50 years are especially of concern), oil tanks for heating (these can cause costly problems, especially if they leak), and open fireplaces or wood-burning stoves (a specialized technician may need to inspect fire hazards for safety and proper installation).
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Surex insurance tips & advice
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
