I'm renovating. How does this affect my insurance?
You should talk to your Specialist to make sure you're covered. A part of your house being renovated can still suffer loss or damage, so it's a good idea to be prepared.
Do you have preferred suppliers or repair facilities?
Yes, we do. You can ask your Specialist or Claims Adjuster for a referral from the list.
Why should I use a preferred supplier or repair facility?
You can always use your own supplier, but if you use a supplier from our list of preferred suppliers and repair facilities, you may only need one estimate for home claims, depending on the amount of damage or value of items.
Do I have to inform belairdirect about major changes to my home?
You must keep us up to date on changes and renovations. Some important changes would be:
• Adding a rental suite in your home or converting to a multi-living space • Operating a business from your home • Making alterations to the structure or the way your home is used (for example, home sharing through a service such as Airbnb)
For renovations, in most provinces*, you must notify us within 90 days of the start of the work, if any improvement, extension or addition has been made to your dwelling that will increase the replacement cost of the dwelling by $10,000 or more.
Even before you begin renovations, ensure you contact us to ensure you have proper coverage during the renovations and once the renovations are complete. Depending on the extent of the renovations, the type of policy and/or coverage may need to be amended.
Please connect with us to ensure that you have adequate coverage to protect you and your family.
*In Quebec, you must notify us within 30 days of the start of the renovation if it increases the replacement cost by $15,000 or more.
Do I have to inform Scotia Home & Auto Insurance about major changes to my home?
You must keep us up to date on changes and renovations. Some important changes would be:
Adding a rental suite in your home or converting to a multi-living space
Operating a business from your home
Making alterations to the structure or the way your home is used (for example, home sharing through a service such as Airbnb)
For renovations, in most provinces*, you must notify us within 90 days of the start of the work, if any improvement, extension or addition has been made to your dwelling that will increase the replacement cost of the dwelling by $10,000 or more.
Even before you begin renovations, ensure you contact us to ensure you have proper coverage during the renovations and once the renovations are complete. Depending on the extent of the renovations, the type of policy and/or coverage may need to be amended.
Please connect with us to ensure that you have adequate coverage to protect you and your family.
*In Quebec, you must notify us within 30 days of the start of the renovation if it increases the replacement cost by $15,000 or more.
Home Insurance