- November 2, 2025
- Category: News, Commercial, Tips & Advice
There’s a good chance you, or someone you know, has recently added a heat pump, solar panels, or even an EV charger at home. Across Nova Scotia and PEI, homeowners are going green in a big way. Rebates, lower power bills, and a smaller carbon footprint make these upgrades an easy “yes.”
But here’s the question most people forget to ask: Did you tell your insurance broker about it?
The Hidden Insurance Gap Nobody Talks About
Every upgrade you make adds value to your home. A new heating system, rooftop solar array, or smart thermostat changes your home’s setup, and sometimes, your risk profile.
If your insurer doesn’t know about the new additions, your policy might not reflect your home’s true value. That could mean:
- A payout that doesn’t cover full replacement cost after a storm
- A denied claim if a fire or surge damages new electrical systems
- Gaps in liability coverage if your installation affects someone else’s property
It’s not about scaring homeowners, it’s about making sure your investment is protected from day one.
Real Talk: It’s Not Just About Premiums
Many people worry that disclosing upgrades might increase their premiums. In reality, energy-efficient systems can sometimes help lower risk, which may even balance or reduce costs.
For example:
- New heat pumps can improve fire safety compared to old furnaces.
- Solar systems often come with warranties and certified installations that reduce repair risk.
- Smart sensors and thermostats can detect issues before they become costly claims.
How Cluett Can Help
This is where a local brokerage makes all the difference. When you work with Cluett, you’re not talking to an automated chatbot or a call center in another province. You’re talking to a team that understands Atlantic homes, weather patterns, and rebate programs, because we live here too.
We’ll:
- Review your current policy in plain language
- Help you update it to reflect new systems or installations
- Flag potential discounts or coverage improvements
- Make sure your documentation is ready if you ever need to file a claim
It’s proactive protection, before problems appear.
Before You Flip the Switch on That New System…
Ask yourself:
- Have I told my broker about my upgrades?
- Does my coverage reflect my home’s new replacement value?
- Would my policy respond if my solar inverter or heat pump was damaged tomorrow?
If you’re unsure about any of those, it’s time for a quick policy review.
Final Word
Energy-efficient homes are the future, and Cluett Insurance is here to make sure they’re fully protected.
So before winter weather puts your home’s new systems to the test, take five minutes to reach out.
We’ll make sure your home, your investment, and your peace of mind are all covered.
Talk to your local Cluett advisor today →
Have questions? Give us a call or stop by our Dartmouth or Summerside office. We’re always here to help you protect what matters most.