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How we find you the best home insurance rates in Cape Breton.

You want a great home insurance policy, at the most competitive rates around. At LowestRates.ca, we make shopping for home insurance simple.

With our fast, free online quotes, finding the lowest rates on home insurance in Cape Breton is straightforward. Just provide us with a few details about your coverage needs and we’ll show you up-to-the-minute quotes from each of the leading insurance providers serving your market.

A licensed Cape Breton home insurance broker will even connect with you to answer any questions about your coverage before you purchase your new policy.

Not sure what kind of coverage you need? Keep reading. We offer the insights you need to make a wise choice when it comes to your coverage. On this page we’ll explain what home insurance covers and what it doesn’t, share tips for saving on your policy and answer many other common home insurance questions.

When you’re ready to shop, just input a few details into our online quote tool above and click “Get Started.”

 

Tips on how to lower the cost of your home insurance policy in Cape Breton.

Getting insurance for your home is easier than it may seem. To secure the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote in Cape Breton.

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

What Cape Breton home insurance covers.

Most people know that home insurance is meant to protect you from incidents like a fire or a tree falling through your roof. But there’s more to most home insurance policies than just covering damage to the structure. 

Home insurance is designed to protect you against other financial risks that come with home ownership. Any standard home insurance policy will combine these elements to provide the range of coverage that most homeowners need: 

Repairs

Home insurance will cover repair expenses for covered perils. Perils are sudden, unpredictable causes of damage, like the above-mentioned fire or falling tree.

The specific perils covered by your insurance may be listed in your policy (called “named-perils” coverage), or your policy may cover all perils except listed exclusions (this coverage is referred to as “all-perils” or “all-risks”).

Keep in mind that ordinary repair and upkeep costs are still the homeowner’s responsibility. If your roof or dishwasher reaches the end of its expected lifespan, you’ll need to replace it. If you don’t make timely repairs, any damage caused by poor maintenance won’t be covered by your home insurance.

Liability

Home insurance policies typically offer protection for any legal liability you may incur if a visitor to your property is injured, killed or has their belongings damaged. If you are sued, your home insurance may cover damages awarded by a court.

Contents

Contents coverage protects your personal items – from electronics to appliances to clothing and furniture, if they are damaged by a covered peril.

Standard contents coverage may be limited by value, so if you have especially valuable items like fine art, a wine collection or jewellery, you may need additional contents coverage beyond what your standard home insurance offers.

Additional living expenses

If you’re forced to leave your home while repairs are made, you can end up saddled with unexpected expenses like increased transportation costs, meals and rental fees. Your home insurance policy will pick up these costs assuming the damage to your home was by a covered peril.

Ready to find affordable home insurance in Cape Breton? Scroll to the top of this page and enter your information into LowestRates.ca’s convenient online quote tool.

We’ll show you current home insurance rates from Cape Breton’s leading providers, making it easy to get the lowest price on your coverage.

Your questions about homeowners insurance in Cape Breton, answered.

How much is home insurance in Cape Breton?

This sounds like a simple question, but because home insurance is always customized to the homeowner and property, finding out how much you’ll pay is a little more involved than searching for Cape Breton’s average home insurance cost.

Your coverage will be customized to fit your budget, the characteristics of your property and your preferred level of protection. To find out what you’ll pay, you’ll need to request a personalized home insurance estimate from a few Cape Breton providers. This also allows you to compare prices and select the best rate for your coverage.

Comparison shopping can be a hassle. Luckily, we’ve streamlined the process for you. With our online quote tool, you input a few details about your coverage needs once. You’ll receive free quotes matched to your preferences and property from all of Cape Breton’s leading insurance providers. Just find the quote tool at the top of the page and click “Get Started.”

What perils are specific to Cape Breton?

Cape Breton is known for its remarkable natural beauty, with cliffs, ocean views and fishing villages appealing to many tourists. Cape Breton is also unfortunately vulnerable to storm damage and flooding as a result of its location and terrain.

Homeowners in Cape Breton may want to consider purchasing insurance coverage for flooding and sewer back-up (which often happens during flooding). Damage caused by these perils is typically excluded from home insurance coverage, but most providers offer optional protection as an add-on to your home insurance policy or as a standalone insurance product.

As unpredictable weather becomes more common across Canada, we recommend that you seriously consider adding flood protection to your home insurance policy.

What perils does home insurance cover in Cape Breton?

Standard home insurance policies protect you against losses from the following perils, or possible causes of damage to your home:

  • Fires and explosions.
  • Lightning strikes.
  • Electrical currents.
  • Smoke damage (except from your fireplace).
  • Broken windows.
  • Some types of water damage.
  • Falling objects (depending on the cause).
  • Hail, wind and other severe weather.
  • Vehicle and aircraft collisions.
  • Theft.
  • Vandalism.

If you want protection from other perils like earthquakes and floods, we recommend additional coverage. These insurance types are available from most insurance providers.

What perils won’t property insurance cover in Cape Breton?

All home insurance policies come with some exclusions. Here are the most common perils not covered by home insurance:

  • Flood damage.
  • Sewer back-up.
  • Earthquakes, landslides and avalanches.
  • Damage caused by wildlife and insects.
  • Freezing that occurs outdoors.
  • Frozen plumbing indoors during the cold season (a risk to vacant cottages during the winter if proper precautions are not taken).
  • War.
  • Terrorism.
  • Criminal activity.
  • Rentals and other business activity.
  • Vacancy.

Certain excluded perils (flooding, sewer back-up and earthquakes) can usually be covered with other insurance products or add-ons to your home insurance policy.

If you rent out your home or part of your home, talk to your insurance provider about whether you need landlord insurance.

If you conduct other types of business at your home, ask about appropriate coverage options.

If you need to leave your property vacant for a time — including for vacations — check in with your insurance provider about what measures you must take to protect your home and ensure your coverage still applies.

What kind of home insurance do you need in Cape Breton?

The kind of home insurance coverage you need in Cape Breton depends on your preferred coverage level, your risk tolerance and your budget.

Since a home is a major financial investment for most people, many homeowners opt for a high level of protection. Comprehensive home insurance offers the most coverage, with premiums that are often more expensive.

Broad home insurance policies offer very strong protection for the home itself with a more moderate level of coverage for the home’s contents.

Basic home insurance offers the most budget-friendly choice with lower premiums and standard coverage for common risks.

Basic or “named-perils” coverage offers protection against common risks at a more moderate level for both your home and your personal belongings. If you want the lowest premium price for home insurance in Brantford, basic coverage is your best bet.

Once you’ve determined what policy type you prefer, use our free online quote tool to compare rates and find the best price on your coverage.

What can you do to save on home insurance premiums in Cape Breton?

If you want cheaper home insurance in Cape Breton, there are a few measures you can take to reduce the cost of your coverage.

You’re already on the right path, since researching how home insurance works and the types of coverage available can help ensure you get the right product for your needs, and don’t spend on excess coverage.

It’s also crucial to compare rates from different home insurance providers to find the best value. (Pro tip: We make comparison shopping easy!)

Home insurance providers also offer certain discounts that you may be eligible for. Check for these common sources of savings:

  • Memberships: Some employers and alumni groups negotiate lower rates for their members.
  • Better home security: Special equipment that better protects your home, such as a monitored burglar and fire alarm system, may earn you savings. Check with your insurance provider about specific requirements.
  • Bundled coverage: Purchasing multiple types of insurance from the same provider may save you money. The most common bundle is home and auto coverage.
  • Up-front premium payment: If you’re able to pay for your annual insurance premiums up front rather than splitting the cost into monthly payments, ask your insurance company if this could earn you a lower rate.
  • Other discounts: If you’re a non-smoker, senior, or have a claims-free insurance history, check whether you qualify for a lower rate from your home insurance provider. If you’ve been a long-time customer, this could earn you a discount as well.

Finally, keep in mind that your deductible amount plays a role in your premiums. If you can afford a higher deductible (the amount you have to pay before your insurance provider starts to cover claim costs), raising it could help you save on your premiums.

What are the best home insurance companies in Cape Breton?

Cape Breton homeowners are in luck: there are numerous highly regarded home insurance companies serving the local market. With many reputable providers offering coverage, it’s important to shop around to get the best insurance for your Cape Breton home.

The best coverage option for you will depend on your preferences about protection levels vs. premium costs and which provider is offering the best rates on the type of policy you need.

LowestRates.ca makes finding your top choice for home insurance simple. We offer all the perspective you need to determine what level of insurance makes the most sense for your circumstances. When you’re ready to shop, we let you compare Cape Breton home insurance prices across the market to identify the most competitive offerings.

Use our free online quote tool at the top of the page to get started. You’ll receive customized quotes from vetted, reputable local home insurance providers in minutes.

What if I own a condo or rent? Can I still buy property insurance online?

Yes. Whether you’re seeking house insurance in Cape Breton, or a policy for your condo or rental unit, you can find the coverage you need on this site.

We work with all the top providers of Cape Breton home insurance to offer a full selection of policies to cover any dwelling type.

To get started on your customized estimates, just scroll to the top of this page and choose the type of insurance product you need from the drop-down menu in our online quote tool. You can select homeowners insurance, tenant insurance or condo insurance.

You’ll receive your free Cape Breton home insurance quotes online in a flash.

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