Great additional features that come standard with your automobile insurance policy from Munn Insurance:
“I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.”
“Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.”
“I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.”
“All I can say is THANKS! I switched after 10 years and saved a lot of money.”
“Great service and saved me $600 a year. I highly recommend!”
“Great place to deal with. Very happy with the service!”
“The best insurance company. Lower rates than other insurance companies. Always someone available to discuss your concerns. I always and most definitely recommend to others. Sincere thanks.”
“I am very pleased with the customer service I received from Munn – they really do care.”
“Very impressed with Munn Insurance. The people who work there are amazing!”
“Great customer experience with Munn Insurance!”
“Excellent claims service!”
“It was great to deal with Munn after my accident. They made sure I was looked after.”
“I bought a group policy from Munn and saved over $350 a year!”
“Prior to switching, I heard great things. Now knowing more about the company and its customer service obsession. I Understand why it’s so great.”
“I’m very happy with my policy and the service. Munn gave me the best coverage for the best price. Switching from my old company was easy and simple.”
“I switched my insurance last year and I am extremely happy with the service provided by Munn Insurance.”
Great additional features that come standard with your automobile insurance policy from Munn Insurance:
In Nova Scotia, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies. By calling Munn, or going online for a quote, customers in Nova Scotia can easily compare car insurance rates and find the best car insurance and save on their auto insurance premiums.
|Price range of $299|
|Price range of $875|
|Price range of $666|
|Price range of $628|
|Price range of $560|
We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.
With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage. So combine them both and receive a discount on both. That’s like a double discount!
Combining also gives you the extra convenience of aligned renewal rates and less paperwork.
You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:
Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.
It is mandatory to have auto insurance for all vehicles in Nova Scotia. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.
Current limits for auto insurance in Nova Scotia are:
Nova Scotia has a no-fault based insurance system. This means drivers can file claims with their own insurance company, regardless of who is at fault for the accident. In addition, the province does not take age or marital status into account when determining risk.
Auto insurance rates in Nova Scotia are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.
A variety of factors are used by Nova Scotia insurers to set auto insurance rates:
Nova Scotia auto insurance premiums fall in the lower half of the national rate spectrum.
Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec
Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.
There are many ways to get cheap auto insurance in Nova Scotia:
Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.
A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.
Nova Scotia’s auto insurance system is a no-fault system, meaning regardless of who’s at fault, drivers deal with their own insurance company.
The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”
It’s water damage season in Canada. With springtime, comes storms, water and sewer backups, snow melt, seepage and leakage. And yes, the the ever-present worry that the wet days of spring may lead to water damage. And flooding is on the rise!
It’s only early May and already there’s flood damage all across Canada. Ontario, Quebec and New Brunswick are in the news and the images of the damage and destruction are shocking. Other communities are on watch. Our hearts go out to the residents of all these cities and towns.
Once the water recedes, efforts will turn to clean up and rebuild. Insurance and disaster relief will become a more prominent part of the conversation. When it comes to coverage protecting homes from floods and flood damage, most property owners assume their home insurance policies will provide adequate protection. This is not always the case, making dedicated and additional flood damege coverage for specific water events a must.
Here are some things you need to know about water damage coverage & flood insurance…
Most standard home insurance policies cover water damage caused by things inside of your home (like a burst pipe), but damage caused by water that enters your home from external sources (during a heavy storm or rainfall, a sewer backup, or a sump pump failure) is likely not covered.
The good news is, you can likely buy additional water damage coverage to protect you in the event of these increasingly common emergencies depending on where you live and your insurance provider. Call your insurance broker to confirm if additional water damage coverage is available on your policy.
While optional add-ons are different for every insurance provider and location (including the type and limit of coverage available), here are two of the more common water-related add-ons that you can discuss with your broker:
Sewer backup coverage is generally set up to protect you from loss or damage to your property when caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system. For an additional premium to your homeowner’s insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following:
The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood.
The cost of sewer backup coverage is affordable. Call your broker to get more information about coverage costs, limits and deductibles.
Generally speaking, overland water coverage is designed to protect you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. It usually excludes damage caused by saltwater, including tidal waves, and tsunamis.
Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams. Understanding what is and what has not considered flooding from an insurance perspective is critical to ensuring you secure the appropriate policies to protect against water damage.
While traditional home insurance policies and tenant policies may offer coverage for water damage from sewer backups or pipe bursts, they commonly exclude losses caused by overland floods. While newer policies can include some level of flood protection, availability varies. What’s more, even comprehensive homeowners and tenant insurance policies (which often offer the best available protection for homeowners and tenants) don’t automatically provide broad protections for water damage. Some people wrongly assume that sewer backup insurance provides adequate coverage. However, these policies only insure you from non-storm-related backflow from sewers or septic tanks. Sewer backup insurance doesn’t protect you if the backflow results from a sudden flow of external groundwater.To truly protect your home from floods, you can’t rely on standard home insurance policies or tenant insurance alone. Instead, you should turn to new forms of protection, like overland water endorsements.
Standard home, condo and tenant policies often exclude overland flood damage coverage. However, because extreme weather events are becoming more frequent, many insurers are now providing policyholders with the option to purchase add-ons (endorsements).In general, overland flood endorsements provide a level of flood insurance that was previously unavailable. Specifically, the overland flood endorsement can protect against damage resulting from melting snow, excess rain and overflowing riverbeds.With overland flood insurance, it is important to understand what is and what is not covered. Overland flood insurance covers damage from freshwater sources. This means that any claims related to coastal flooding, tsunamis and other saltwater sources are excluded. Dam breaks are also specifically designated as uncovered occurrences.
Overland water endorsements are available to most property owners across Canada. However, a small number of dwellings may not qualify if the risk of flooding is too high in their area. The best way to determine your coverage eligibility is to contact your broker.
For those living in areas that are on flood plains and regularly impacted by rising water, overland water or flood coverage is simply unavailable since insurance is designed to protect against random events, not predictable ones. When the next flood comes along, homeowners in these areas will have to avail of disaster relief assistance from the government if it is offered and if the homeowner qualifies.
In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on water coverage and all the affordable ways we can help you to protect your home and personal property, please contact Munn Insurance at 855-726-8627 today.
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