couple in front of their home

Home Insurance

There is no place like home. Your home and everything in it is precious. Whether you own a home in Halifax or anywhere in Nova Scotia, our Bauld Advisors will ensure you have the home insurance and coverage you need.

A Customized Home Insurance Policy For You

Our Bauld Advisors have years of experience helping clients with home insurance here in Halifax, Nova Scotia. We will add a personal touch to the customization of a home insurance policy to ensure you are well protected.

CORE Home Insurance Coverages

  • Replacement Cost on Home and Personal Belongings
  • Liability
  • Overland Water and Sewer Back-up
  • Oil Spill Coverage (if applicable)

ENHANCED Home Insurance Coverages

  • Claims Forgiveness
  • Service Line Coverage
  • Home Equipment Breakdown
  • Personal Cyber
  • High Value Jewelry

Bree Davidson is our home insurance adviser and was tremendous in helping us out with moving our policy from our house being sold to a contents policy while we were waiting for our new house to be finished. Very professional and knowledgeable. Thank you Bree!

Greg Dean
home insurance client

Enhance Home Insurance Coverages – explained

If you need an explanation, we sort through the jargon and provide you with a brief description of these common Enhanced home insurance coverages.

  1. Claims Forgiveness

    This means your home insurance premium rates won’t increase after your first claim.

  2. Service Line Coverage

    Provides home insurance coverage for damage to service lines located on your property. Property owners are typically responsible for these costs.

  3. Home Equipment Breakdown

    Covers the systems and equipment you depend on to provide heating and cooling, hot water, electricity, communications and back-power against a sudden breakdown.

  4. Personal Cyber

    Provides home insurance coverage against cyber-attacks like extortion, online fraud, and data breaches.

  5. High Value Jewelry

    Provides insurance coverage for high-value items even if they are not located at your home, which is especially important for jewelry.

The Bauld Process

We are a leading provider of Home Insurance in Halifax, Nova Scotia. When you engage the Bauld Team for your home insurance needs, you will appreciate our Bauld Advisors’ depth of insurance knowledge and their hands-on personal approach.

Frequently Asked Home Insurance Questions

  1. What kind of discounts can I get to lower my home insurance rates?

    There are several discounts available to help lower your home insurance rates, some of these are listed below. You can also read this helpful blog story Save Money with Home Insurance Discounts.  Give us a call for a full file review to make sure you are taking advantage of these possible discounts!

    • Age of Client
    • Age of Home
    • Smoke-Free
    • Mortgage Free
    • Claims Free
    • Monitored Alarm
    • Credit Scoring
    • Septic System
    • Renewal Loyalty
    • Car & Home (Combined Policy)
    • Tankless Hot Water
    • Unfinished Basement
  2. I’m going away on vacation – What do I need to do?

    Most insurance companies have guidelines that homeowners must adhere to such as shutting off water or having someone check on your home on a regular basis. It is best to check with your Bauld Advisor to ensure you adhere to your home insurance policy requirements.  In the meantime, check out this helpful blog – Home Safety Tips Before You Go on Vacation

  3. How can my home insurance policy grow as my home value changes over the years?

    We use industry-specific software which uses your square footage and construction details to calculate what it should cost today if you needed to rebuild your home from the ground up. Having this calculation on file allows the Insurer to offer what is known as “Guaranteed Replacement Cost” coverage – this means that in the event of a total loss you would have enough to rebuild your home.

    Your insurer will automatically apply an inflationary increase (usually 3-7%) to the Building coverage limit on renewal to ensure you keep up with increasing costs of construction each year. From time to time we may refresh this calculation for accuracy.

  4. What is the difference between Overland Water coverage and Sewer Back Up?

    Sewer backup only covers damage caused by water coming into your property from a sewer or septic system. If overland water enters your home, sewer-backup coverage will not protect you. Historically, this type of home insurance coverage hasn’t been available as part of any residential insurance policy.

Insure Your Home Today!

Your home and everything in it is your most precious asset. Let a Bauld Advisor help you protect what matters with home insurance just right for you.