Help & Support

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, 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 $30,000 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.

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