home insurance

Home Insurance in Nova Scotia & PEI

Home insurance is a type of property insurance that covers your home and belongings in the event of damage or loss. It can help protect you from financial losses if your home is damaged by fire, theft, or other disasters.

Home insurance can also cover the costs of repairs or replacement if your home is damaged by natural disasters such as storms, floods, or earthquakes. If you go with the right insurance provider, you can also purchase home insurance that provides coverage for all of your belongings, which covers the things inside your home such as furniture, electronics, and clothing.

If you are a homeowner, it is important to have home insurance in place to protect yourself from unexpected losses. Talk to one of our staff to find out about the different options available and how much coverage you need to protect your home and belongings.

What Does Home Insurance Protect?

Cluett is here to help protect your most valuable investment with home insurance. It’s not just your house, it’s your home.

Our Home Insurance is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use of the home, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

The type of protection you need depends on your specific circumstance. Reach out to us and we can craft something for you that meets the budget AND protects your belongings.

Your Home

Protect your home and detached structures on your property against insured risks – fire, theft, and more.

Your Belongings

Cover the cost of insured damage or loss to furniture, clothing, and other personal property.

Living Expenses

Cover expenses, such as a hotel room, if you’re unable to live in your home while repairs are being made.

Liability Claims

Protect yourself in case you accidentally cause damage to someone’s property.

Extended Home Coverage:

Your Home Insurance shouldn’t be a generic coverage, the staff at Cluett Insurance are trained to find a plan that suits your needs and comes in under budget. Customize your coverage for even more protection.

home business insurance

Home Business

identity theft

Identity Theft

Ways To Save On Home Insurance?

multi home


If you need insurance for multiple properties, you can save.



If you bundle your home and auto insurance, you can save.

It Starts With Your Home

Making sure you have the right home insurance coverage is important.

If you’re not confident in your current coverage, reach out to us. We can help you review your options and find a policy that’s right for you. We understand that everyone’s needs are different, and we’ll work with you to find a solution that fits your budget and gives you the peace of mind you deserve. Call us today, and let’s get started.

Here is what you’ll need:

  • Address & postal code
  • Roof material
  • Age of home
  • Square footage
  • Building type
  • Type of electrical

When To Talk To Your Insurance Broker?

Your broker is the best resource to assess your unique needs and determine which additional coverages may help protect you and your home in PEI, Dartmouth, and Halifax. Every home is different, from Halifax and Dartmouth to Charlottetown, each homeowner faces different risks that must be covered in the home insurance policy. The insurance policy you purchased when you first moved into your home may not be serving your current needs.


Here are a few examples of some common coverage types you can expect:

  • Coverage A ~ Dwelling Building. (Your House)
  • Coverage B ~ Detached Private Structures. (Garage, Shed, etc.)
  • Coverage C ~ Personal Property. (If you turn your house upside down, it’s everything that would fall out!)
  • Coverage D ~ Extra Living Expenses. (If you had to get out of your house for an insurable loss. This would cover your hotel and other expenses.)

Please contact our office to speak with a representative at 1-866-466-9660