Home and Contents Insurance
Surprisingly Simple!
With easy-to-compare insurance plans, and secure online purchasing, you can be covered in minutes.Protect your home and contents, with comprehensive insurance coverage that protects you against loss or damage across all perils including fire, hurricanes and flooding, as well as theft.
Benefits
Discover the benefits of a ScotiaProtect policy…
Home Insurance Policy Benefits
Essential |
Preferred |
Ultimate |
|
Property Owner’s Liability |
$5,000,000 |
$7,500,000 |
$10,000,000 |
Employer’s Liability |
$5,000,000 |
$7,500,000 |
$10,000,000 |
Personal & Public Liability |
$5,000,000 |
$7,500,000 |
$10,000,000 |
Fixed Glass and Sanitary Fixtures |
5% |
7.5% |
10% |
Statutory Requirements |
10% |
10% |
10% |
Cost of Temporary Accommodation or Reimbursement for Rent Lost |
10% |
15% |
20% |
Capital Additions |
10% |
10% |
10% |
Underground Pits Tanks Pipes and Cables |
5% |
7.5% |
10% |
Professional Fees & Clearance Costs |
10% |
15% |
15% |
Accidental Breakage of Glass |
5% |
7.5% |
10% |
Accidental Damage to TVs Video and DVD Players etc |
$10,000 |
$15,000 |
$20,000 |
Furniture on Patio or in the open |
$15,000 |
$25,000 |
$30,000 |
Spoilage of Food in Freezer or Refrigerator |
$30,000 |
$35,000 |
$40,000 |
Contents Temporarily Removed |
Up to 10% |
Up to 15% |
Up to 20% |
Title Deeds |
Up to $20,000 |
Up to $25,000 |
Up to $30,000 |
Automatic Increases - Christmas & Weddings |
15% |
15% |
15% |
Alternative Accommodations and Rent Payable |
15% |
15% |
15% |
Loss of Personal Money |
$10,000 |
$10,000 |
$15,000 |
Loss of Baggage |
$10,000 |
$10,000 |
$15,000 |
Cyber Control (Cyber Attack, Cyber Extortion, Identity Theft) |
No |
No |
$1,350,000 |
Policy Excess |
A sum equivalent to 2% (two percent) of the Sum Insured in respect of each incident of loss and/or damage arising directly or indirectly from the Perils of: (a) Hurricane, Cyclone, Tornado and Windstorm; (b) Rain accompanying the Perils stated in the Policy (c) Earthquake and Volcanic Eruption; (d) Fire and/or Flood (including Overflow of the Sea) caused by the Perils stated in the Policy
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All percentages listed in the table above are of the Sum Insured unless otherwise stated
Important Coverage Information
Building Sum Insured: Your sum insured should reflect at least 85% of the full replacement costs of rebuilding your home, including outbuildings etc., otherwise, underinsurance could have a negative impact on your claim settlement amount. It is recommended that if you do not have a current valuation report that you obtain one to verify the correct replacement cost of the property to ensure you have adequate coverage.
Essential plan – Includes standard policy benefits and limits at the most affordable cost
Preferred plan – Includes all policy benefits of the Essential plan with additional value-added benefits and higher limits
Ultimate plan - Includes all policy benefits of the Preferred plan with even more additional value-added benefits and higher limits