Home insurance

Protect your home and belongings from the unexpected and find the right coverage for your needs.

Bundle and save.

Take advantage of additional savings and benefits when you insure your home and car through us.*

Get a bundle quote

Benefits you can look forward to:

  • 24/7 claims service

  • Discounts for claims and mortgage-free homeowners

  • Contents coverage when you move±

  • Flexible premium payment options

Coverage options**

From basic to comprehensive, Scotia Home Insurance has the right coverage for you and your home. Insure and protect your house, condo or rental property.

Home

Protect your property and possessions.

Condo

Find a policy that works with your building’s policies and rules.

Tenant

Insure your valued possessions and more.

Manage your home & auto insurance online

  • Digital proof of insurance 
  • Submit and track a claim 
  • Policy and payment information 
  • Make updates & more 
Discover Online Servicesfor home and/or auto insurance
Ready? Log into your home and/or auto insurance opens in a new tab Created with Sketch.

Download the app!  

Download on the App Store   Get it on Google Play

4.6 average rating

Based on Apple App Store and Google Play store ratings of Canadian mobile insurance apps as of March 2025.

24/7 Insurance Claims

Should the unexpected happen, we’ll be here every step of the way.  You can report your claim day or night directly to one of our friendly insurance representatives.

Helpful tools and resources

Protecting Your Home While You’re Away

Before heading out, deter intruders with this collection of tips and suggestions.

Insuring Your Specialty Items

You have protected your home with property insurance; however, if you have high value items, they may not be fully covered.

Contact us

Home insurance

Get a quote online
Request a quoteClick to get a home insurance quote

Sales 

Monday to Friday 8 am-6 pm
Saturday 9 am-5 pm

Your local time

1-833-224-7306

Service

Monday to Friday 8 am-6 pm

Saturday 9 am-5 pm

 

Your local time

Claims

 

24/7
1-833-223-8743

Online Support

 

Access online chat or view our FAQs.

®
Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”). 
Scotia Home & Auto Insurance is arranged for by BNSIA. Home and auto policies are underwritten by Belair Insurance Company Inc., and services are provided by belairdirect Agency Inc. except in the province of Quebec where the services are provided by Belair Insurance Company Inc. (collectively “belairdirect”). Belairdirect: 700 University Avenue, Suite 1100 Toronto, ON M5G 0A1, Tel#: 1-833-244-5691, https://www.belairdirect.com/

®belairdirect is a registered trademark of Belair Insurance Company used under licence. 

Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory. The information that appears on this website is provided to you for informational purposes only. Your insurance contract prevails at all times; please consult it for a complete description of coverage and exclusions.

*
Bundled savings applied when you purchase both home and auto insurance through BNS Insurance Agency Inc.
**
Described coverage and benefits are applicable only to policies underwritten by Belair Insurance Company Inc. and their availability varies depending on province. We offer car insurance and home insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island and home insurance only in British Columbia.
±
Coverage is not available in Quebec.

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