Chat with us, powered by LiveChat

Modern Home Insurance in Halifax.

We've shopped the world to provide Halifax home owners with real time quotes from A+ rated carriers. Get more for less with InsureCert.

Start Now...

Homeownership in Halifax.

The Halifax Regional Municipality is the capital of the province of Nova Scotia, Canada. The Regional Municipality had a population of 390,096 in 2011 Canadian Census and the urban area had a population of 297,943. Halifax is the largest population centre in Atlantic Canada and largest in Canada east of Quebec City. Halifax was ranked by MoneySense magazine as the fourth best place to live in Canada for 2012, placed first on a list of "large cities by quality of life" and placed second in a list of "large cities of the future", both conducted by fDi Magazine for North and South American cities.Halifax is a major economic centre in eastern Canada with a large concentration of government services and private sector companies. Major employers and economic generators include the Department of National Defence, various levels of government, and the Port of Halifax. Agriculture, fishing, mining, forestry and natural gas extraction are major resource industries found in the rural areas of HRM.The area comprising present day Halifax County was settled for thousands of years by the Mi'kmaq. Those who settled on Halifax Harbour called it Jipugtug (anglicised as "Chebucto"), meaning Great Harbour. The first permanent European settlement in the HRM was on the Halifax Peninsula. The establishment of the Town of Halifax, named after the British Earl of Halifax, in 1749 led to the colonial capital being transferred from Annapolis Royal.The establishment of Halifax marked the beginning of Father Le Loutre's War. The war began when Edward Cornwallis arrived to establish Halifax with 13 transports and a sloop of war on June 21, 1749. By unilaterally establishing Halifax the British were violating earlier treaties with the Mi'kmaq (1726), which were signed after Father Rale's War. Cornwallis brought along 1,176 settlers and their families. To guard against Mi'kmaq, Acadian, and French attacks on the new Protestant settlements, British fortifications were erected in Halifax (Citadel Hill)(1749), Bedford (Fort Sackville) (1749), Dartmouth (1750), and Lawrencetown (1754), all areas within the HRM. St. Margaret's Bay first got settled by French-speaking Foreign Protestants at French Village, Nova Scotia who migrated from Lunenburg, Nova Scotia during the American Revolution.In 1996 the provincial government amalgamated all municipal governments within Halifax County to create HRM, a regional municipality comprising approximately 200 individual communities or placenames for civic addressing grouped into eighteen planning areas for zoning purposes.

How we find you the best home insurance in Halifax.

Home, condo, or renters insurance is a type of insurance that covers loss and damages to your home and any assets in it. Home insurance also provides liability coverage against accidents that occur in or on your property. While home insurance coverage isn’t mandatory in Canada, you’ll be hard pressed to find a lender who will give you a mortgage without it. That’s why finding the right home insurance in Halifax is so important.

With InsureCert.ca, you can compare home insurance quotes from Halifax’s top home insurance brokers and agents in just a few minutes. All you have to do is select your preferred quote, and an Halifax home insurance provider will be in touch to help you secure it. Not ready to fill out a form? No problem. We answer some of the biggest questions you may have below.

Your Halifax home insurance questions, answered.

How much is home insurance in Halifax?
It’s difficult to say exactly what your home insurance price in Halifax will be. Because insurance is such a customized product, your costs will depend on the home insurance company in Halifax you choose to work with. Furthermore, the average cost of home insurance in Halifax probably wouldn’t be an indicator of what you’ll pay. Home insurance rates will vary based on the age of property, construction, wiring, and other elements. One of the fastest ways to get an Halifax home insurance estimate is to fill out a form on a rate comparison site like InsureCert. We’ll show you quotes from the top insurance companies serving Halifax.
What perils are specific to Halifax?
While property insurance in Halifax doesn’t differ greatly from property insurance in other cities, there are some specific risks to be aware of. For example, the province is prone to wildfire damage, even though Halifax is relatively protected from this issue, especially when compared to other cities. However, Halifax homeowners are vulnerable to other risks including: Internal water damage from burst pipes due to the very cold winters. Sewage pipe backup. Overland flooding.
What does home insurance cover in Halifax?
Generally speaking, house insurance in Halifax will cover: Repairs to structural damage caused by certain types of perils. A home’s contents, including the personal belongings of the home’s residents, and the belongings of guests. Personal belongings include electronics, clothing, silverware, jewelry, sporting equipment, trees and plants. However, most insurance policies do put a limit on these types of benefits. Liability, which protects the policyholder and family members from lawsuits as a result of bodily injuries. The insurance policy will pay court costs up to the limit of the policy. What many people don’t know about home insurance is that a typical policy will also cover liability or negligence anywhere in North America, subject to exclusions for business and professional activities. Generally speaking, your home insurance coverage in Halifax will include the following risks:
  • Fire.
  • Lightning.
  • Smoke damage (excluding fireplaces).Theft.
  • Wind and hail.
  • Electrical current.
  • Explosion.
  • Vandalism.
  • Water damage.
  • Broken windows.Wind and hail.
  • Falling objects (unless propelled by a landslide, avalanche, or earthquake)
What risks won’t home insurance cover in Halifax?
Most home insurance providers in Halifax won’t cover two kinds of risks: uninsurable perils and optional coverage:

Uninsurable perils are predictable events that aren’t covered by insurance. That’s because the odds are high for a payout. An example of perils that may not be covered is flooding. Optional risks are those that aren’t covered but you can buy insurance for them. These would include sewage backup or earthquakes. Other things home insurance won’t cover include natural wear and tear, government actions, and the failure to make repairs. In Halifax, most home insurance policies won’t automatically cover things like sewage backup, earthquakes or flooding without additional insurance, which are called endorsements.
What kind of home insurance do you need in Halifax?

Standard homeowners insurance in Halifax comes in four different forms: comprehensive, basic, broad, basic and no frills.

Comprehensive - This type of insurance covers the building and contents from all insurable perils.

Basic or Named Perils - This policy insures your home and property for perils specifically named in your policy.

Broad - A broad policy insures your home for all risks as a result of direct damage or physical loss, but the contents are only covered against perils that you name in the policy. It’s considered a middle-ground between a comprehensive and basic policy.

No Frills - As the name suggests, it’s basic coverage for properties that don’t meet normal insurance standards.

While Halifax is less exposed to the kind of environmental perils than other cities, there are some endorsements homeowners and renters should consider including sewage backup, flooding and increased liability for your valuable items.

Purchasing extra coverage will likely increase home insurance premiums for Halifax residents, but it’s important to ensure that your assets are adequately protected. If they’re not, the costs of repairs and damages might outweigh the cost of additional coverage.

What can you do to save on home insurance in Halifax?

Living in a major city can be expensive, but finding cheap home insurance in Halifax can help you cut costs. If you’re looking to lower the cost of your premium on your Halifax home, you can:

  • Bundle insurance policies like home and auto.
  • Look into alumni or professional memberships for discounts.
  • Offer to pay a higher deductible.
  • Upgrade your home: replace knob and tube wiring, update valuable parts of your home like the kitchen or basement and replace lead pipes with copper or plastic.
  • Invest in a good security system.

Try to avoid living in areas that are known to be prone to floods, fires, or earthquakes. Finding affordable home insurance in Halifax doesn’t have to be a struggle. Whatever your method of getting the best rate, comparison shop before you buy so you can compare current home insurance rates from Halifax providers.

Most places will ask you a series of questions about your home before giving an estimate. You’ll be asked your address, postal code, the size and age of your home, the type of roof, whether you have a deck or a basement, and the type of electrical wiring throughout your home. All this will ensure you get the correct rate and the appropriate amount of coverage.

What are the best home insurance companies in Halifax?

There is no single answer to this question. There’s no one insurance provider that provides the best home insurance rates to all Halifax customers because everyone’s home insurance needs are different. The right company is the one that offers you the best rate for the type of coverage you need.

Not all insurance companies will be right for you. Here are several things to keep in mind when you’re choosing an insurer in Halifax:

  • Do they belong to a reputable association such as the Insurance Brokers Association of Canada?
  • Are they licensed?
  • Is the company in good standing? You can check review sites.
  • Can they provide references from current and previous clients?
  • How long have they been in business?

Ease of contact with your agent and company after you’ve purchased your home or renters insurance policy. Finding an Halifax home insurance quote online can be the fastest way to get in touch with the right provider that suits your needs.

What if I own a condo or rent? Can I still buy property insurance online?
You’re in luck! We offer policies to renters and condo owners. If you’re on the market for either of these policies, you can actually fill out the property insurance form above and select the Condo Insurance or Renters Insurance option on the first page. If you’re looking for more information about either of these products, feel free to visit our Home Owners link in the top menu of this page.
Home Building Growth 2020 in Halifax 5.7%
Home Ownership as a percent of population: 68%
Average cost of a home in Halifax $292,511
Average Halifax home insurance premiums per month: $44

“InsureCert Insurance is the best” .
Bob S - Vancouver

“InsureCert Insurance is pretty damn cool.”
Brian J., Calgary

“It is a very efficient and well-run system. The support provided by the staff at Uniti Insurance is second to none -very quick response and always friendly and very helpful. I highly recommend.”
Alexandra C., Richmond,

Amazing and very easy to use, with great people behind it. It is so efficient it allows me to concentrate on business without worrying.
John R. Burnaby

Payment Options

Find available payment options at InsureCert
See payment options
Monthly Withdrawals

Paying your insurance each month may be a more affordable option for you. We’ll divide your premium equally (plus an administration fee) over your 12-month term and automatically withdraw payment from your bank account every month.

  • Premium Financing
Full Payment

Pay your entire insurance premium upfront so you don’t have to think about it until renewal. For new policies, full payment is due before the policy effective date. For policy renewals, full payment is due one business day before the renewal date.

  • Credit / Debit
  • eTransact
  • Cheque

Need Help with Your Policy?

We’re here to answer any questions you have!
Policy questions
We’re Here to Help

Whether you’re looking for how to adjust your policy or simply want to know the latest insurance updates, we have many options to help. AMA Insurance has over 50 years in the insurance business, with experienced insurance experts who are here to answer all your questions, no matter how big or small.


Reach out to a live agent now...

Need to Make a Claim?

We make it easy & hassle-free
Submit a claim
Taking Care of Your Business

Owning a business comes with risks, including a long list of potential liabilities that could lead to an insurance claim. InsureCert is here for you, with a 24/7 claims line and trusted insurance advisors who understand the importance of your business. You’ll be navigated through the process so you can get back to business as usual.

Open a claim now...
CONFIGURE QUOTE NOW