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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.
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
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Our Reviews
I had an excellent experience setting up the insurance for my first car with Ashley at Surex. She was fast, professional, and incredibly helpful every step of the way. Ashley made the process smooth and stress-free, answered all my questions promptly and found me a great price. Highly recommend her for anyone looking for outstanding and reliable insurance service!!!!
I have nothing but exceptional service from Ashley Bushfield at Surex, quickly responds and takes cares of anything I need for my insurance needs… prices are amazing too… thanks for everything you do!! Highly recommended!!
Mostly great help but I feel when your contract wasn’t renewed for car insurance contacting your customers by email should have at least should got a phone call to their customers when the email wasn’t acknowledged by customer for whatever reasons… but something as important as having no insurance should have required a phone call by the company and the broker should have an alternative option for it’s customers
I had a great experience with Ashley at Surex. She was able to get me insured the same day and sent over my policy right away. The process was quick, and smooth. I’m very happy with the quality of her work and the service, I’d definitely recommend Ashley and Surex to anyone in Ontario looking for reliable insurance.
Nova Scotia tenant insurance rates vs. other provinces
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 |
See how our customers save big on tenant insurance
Customer |
City |
Type |
Average Quote |
Purchased Quote |
Savings |
|---|---|---|---|---|---|
Erica |
Halifax |
Tenant |
$1,934.00 |
$1,387.00 |
$547.00 |
Cindy |
Kentville |
Tenant |
$1,515.00 |
$1,008.00 |
$507.00 |
Zachary |
Truro |
Tenant |
$1,283.00 |
$833.00 |
$450.00 |
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
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Surex insurance tips & advice
Tenant-landlord disputes often arise from unclear responsibilities. Knowing provincial laws, lease terms, and insurance roles helps avoid conflicts and resolve issues smoothly when problems occur.
Before moving out, know your legal notice obligations. This guide covers Ontario’s rules, tenant responsibilities, and tips for a hassle-free rental move.
Parents can protect college-bound children living away from home by investing in reliable student rental insurance for financial security and peace of mind.
