Compare and purchase the best tenant insurance rates in Nova Scotia.
Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
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.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
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.
Actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation
Recent tenant quotes in Nova Scotia
Get the best rates from Canada’s top insurance providers
Our Reviews
Surex and I have been doing business for a few years now. They answer my calls and if necessary. Very polite and knowledgeable. My paperwork always arrive in prior to renewal and is accurate. They have very good rates.
Ashley Bushfield at Surex is pure magic. She's a miracle worker — I don't know how she does it, but she gets things done.
From day one she was on top of everything. Quick replies over text, always knew exactly what was going on with my file, and got things sorted fast. I never had to chase her for anything, which meant everything to me when I was stressed out.
She's so easy to reach. Text her and she gets right back to you, no phone tag, no waiting on hold. Things are just so easy with Ashley. She went out of her way to deal with problems that weren't even hers — fought to fix messes she didn't create, just because she cared about getting it right for me.
She's an example of what real customer service is supposed to be. It's rare to find someone who actually cares like this. Surex is lucky to have her — I hope her managers know what they've got.
If you want a broker who'll look after you, ask for Ashley. I can't recommend her enough — she's the best.
Patti was an absolute pleasure to work with! My husband and I were getting ready to put an offer on our new home and needed to secure insurance before we could comfortably move forward. We quickly learned just how fast things move in the real estate world, especially while juggling two kids and busy work schedules!
Patti walked us through everything step by step and even gave us the gentle nudges we needed to stay on top of forms and deadlines. She was incredibly patient, kind, professional, and had such a great sense of humour throughout the entire process.
In such an AI-driven world, it felt especially meaningful to have a genuine human connection while navigating such a big milestone for our family. Patti truly is the epitome of professionalism and such a positive representation of your company.
Thank you so much, Patti, for making the insurance side of purchasing our new home feel easy and personal. We genuinely appreciate you!
My experience from start to finish was wonderful. Ashley who helped me was transparent and clear about coverage, premiums and more. I’m glad someone has recommended Surex and Ashley to help me.
Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela
Nova Scotia tenant insurance rates vs. other provinces
Nova Scotia is known for its affordable real estate prices, but insurance rates can be higher due to the region's active weather. To ensure you’re well-protected, it's essential to have the right coverage. Regularly review and update your policy to match any changes. Start a free quote with us today to get the best rate and secure your peace of mind!
Province |
Average Rates |
|---|---|
Nova Scotia |
$423 |
Alberta |
$466 |
British Columbia |
$397 |
Manitoba |
$503 |
New Brunswick |
$500 |
Newfoundland & Labrador |
$399 |
Northwest Territories |
$416 |
Nunavut |
$402 |
Ontario |
$478 |
Prince Edward Island |
$385 |
Saskatchewan |
$410 |
Yukon |
$370 |
Tenant Insurance In Nova Scotia:
The best insurance broker can offer tenant insurance in Nova Scotia. If you contact the broker channel they can provide you with more than one option, so you can see comparables in price and coverage!
Tenant insurance in Nova Scotia (also called renters’ insurance) is meant for people who rent the place where they live, whether home, condo or apartment. It provides coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Renters insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter.
No, tenant insurance is not mandatory at the provincial level. However, many property managers won’t lease their units without renters insurance coverage in place.
As a result, you typically need tenant insurance.
Renters insurance generally covers three main things.
ContentsIf your personal property is damaged or stolen while in your rental property, tenant insurance in Nova Scotia will help cover the cost of replacement or repair.
This is among the most important aspects of renters insurance since most people don’t have the money to replace thousands of dollars in lost items out-of-pocket.
LiabilityIf an accident on your property causes financial harm to a third party, tenant’s insurance with personal liability coverage can help cover lawsuit and settlement costs.
For example, if a guest slips, falls, and injures themselves on a wet floor in an apartment you’re renting, tenant insurance will shield you from the financial fallout of a potential lawsuit.
Relocation cost reimbursementIf the property you’re renting is rendered uninhabitable, tenant insurance will help shoulder the costs of relocating.
For example, if you’re forced to stay at a hotel for a few weeks because your rental apartment flooded, renters insurance may help with your hotel bill along with the cost of purchasing meals and other living expenses.
Tenant insurance in Nova Scotia typically won’t cover replacement costs above a certain amount for extraordinarily expensive items (i.e. jewelry). To make sure you’re covered for the items that matter most to you, it’s important that you read the policy thoroughly. Your Surex insurance broker can help you find the exact policy you need.
This depends on where you reside, the value of your total contents, your liability limits. Policies normally start at $300/yr and increase as the content values and liability limits increase.
The cheapest renters insurance provider depends on how your situation fits into the formula insurance companies create to evaluate policyholders. For example, one insurer might weigh your age more heavily than another. This is why it’s a good idea to compare insurance companies with Surex when you get insurance online. The cheapest tenant insurance provider isn’t always evident.
Tenant insurance in Nova Scotia typically renews automatically each year. You’ll receive new policy documents detailing any changes to your premium and confirming your coverage. Keep in mind that you do have the option to switch policies before your existing one renews.
The best tenant insurance in Halifax (and the rest of Nova Scotia) is rated based on the type of unit you rent, the number of tenants in the unit, the value of your contents, the physical location of the unit, prior renter or home claims in the past under your name.
You can also look into reducing your rate by bundling home insurance coverage with renters insurance.
No. If you rent the unit you live in you only require renters insurance which is often more affordable than home insurance. You want to be properly insured, and the best tenant insurance in Halifax (or anywhere else in Nova Scotia) will do that for renters.
You can contact your assigned broker/advisor or contact the insurance company directly. Make sure you have your insurance policy # and details of the claim prepare when you call.
Many policies hover around the $20 to $30 range. Since there’s no minimum coverage requirement, you can achieve lower rates by purchasing only the coverage you need.
The law does permit landlords to include renters insurance coverage as a lease requirement. Many landlords in Nova Scotia do so as a renters policy serves to reduce their overall risk.
To get the best tenant insurance in Halifax (or the rest of Nova Scotia), you’ll need to provide basic information about yourself and the property you’re renting, including:
- The address
- Your belongings’ cumulative value
- Who else will be occupying the rental property
Compare 10+ quotes and
speak to a dedicated advisor
Underwriting Specialist
