Resources
Expert Advice for an Unpredictable World
We believe an informed client is a protected client. Explore our resource hub for the latest insurance tips, local risk guides, and answers to your most pressing coverage questions.
Maritime Weather: Is Your Property Protected?
From Nor’easters to hurricane-force winds, Nova Scotia weather is legendary. We help you understand how your insurance responds to local environmental risks.
Wind & Hurricane Damage
Living on or near the coast can means dealing with significant wind events.
The Coverage
Most standard homeowners’ policies cover wind damage to your roof or siding.
The Tip
Check your “Named Storm” deductible. Some policies have different requirements for damage caused by hurricanes vs. standard windstorms.
Water & Sewer Back-up
Heavy rainfall and rapid snowmelt can overwhelm local infrastructure.
The Coverage
Sewer back-up is often an “add-on” or endorsement. In Pictou County, where many homes have basements, this is an essential layer of protection.
The Tip
Ensure your sump pump has a battery back-up. If the power goes out during a storm, the pump won’t work without it.
Ice & Heavy Snow Load
Maritime winters can put immense pressure on your roof.
The Coverage
Policies generally cover “collapse” due to snow weight, but prevention is key to avoiding a claim.
The Tip
Keep your gutters clear in the fall to prevent “ice damming,” which can force water under your shingles and into your attic.
Seasonal Checklist for New Glasgow Homeowners
Spring
Inspect your foundation for cracks as the ground thaws.
Summer
Trim overhanging branches that could fall on your house or power lines during a storm.
Fall
Disconnect garden hoses to prevent frozen pipes.
Winter
Keep your heat on (at least 15°C) even if you are away, to prevent burst pipes.
How Claims Work After a Local Disaster
When a major storm hits Nova Scotia, insurance companies see a high volume of claims. As your Independent Broker, Atlantic Insurance acts as your advocate during these times. We help you document the damage and navigate the carrier’s process to get your home back to normal faster.
Frequently Asked Questions
What is a Premium?
This is the amount you pay (monthly or annually) to keep your insurance policy active.
What is a Deductible?
This is the “out-of-pocket” amount you agree to pay before the insurance company covers the rest of a claim. Generally, choosing a higher deductible can lower your premium, but you must ensure you can afford that amount in an emergency.
What is "Liability" Coverage?
Liability protects you if you are found legally responsible for injuring someone else or damaging their property. It covers legal fees and any settlements.
Why did my insurance rates go up even though I didn't have a claim?
Insurance premiums are influenced by many factors, including the rising cost of building materials, the frequency of severe weather events in the Maritimes, and the overall “pool” of risk in your area. As your broker, we shop the market annually to ensure you are still getting the best value.
Does my auto insurance cover me if I let a friend borrow my car?
In Nova Scotia, insurance generally follows the vehicle, not the driver. However, there are exceptions. If your friend lives with you or uses the car regularly, they should likely be listed on your policy. Always check with us first!
I’m starting a small business from home. Does my house insurance cover it?
Usually, no. Most homeowners’ policies have very limited coverage for business property and no coverage for business liability. We offer “Home-Based Business” endorsements that are very affordable.
What is an "Independent Broker" and why is it better than a call center?
A call center agent works for one company and can only sell you that company’s products. An independent broker works for you. We have access to dozens of companies, allowing us to find the best fit and advocate for you during a claim.
Still have a Question? We’re here to help.
Every situation is unique. If you have a specific question about your coverage, don’t guess—ask an expert.