Save on car insurance in New Glasgow.
We’re one of New Glasgow’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with New Glasgow’s best auto protection and benefits. That’s a promise.
New Glasgow, a modern town based in heritage.
New Glasgow’s charm and nature wrap around you here. History and culture meet modern conveniences. There is no wonder anyone calls New Glasgow home. Just a two-hour drive from Halifax and a 90-minute drive from Stanfield International Airport, it’s just close enough to be perfectly far away. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in New Glasgow and save while you’re doing it.
Driving in New Glasgow – Tips to keep you on the road.
DID YOU KNOW…
The “blind spot” is the name for the area on either side of a car that is invisible to wing mirrors. However, that isn’t wholly true. Maybe your car’s wing mirrors are just adjusted incorrectly. Put blind spots into full view of your side mirrors when mirrors are adjusted to contain no part of your vehicle. Angle them away from you to the point where your vehicle is no longer visible in either one. Any car that’s passing you on either side will remain in at least one of your mirrors until it enters your field of vision. This adjustment doesn’t eliminate your need to check your blind spots manually, but it is just another form of protection to keep you safe on the roads.
HELP KEEP WORKERS SAFE.
When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane farther away from the stopped vehicle if it can be done safely. A motorist must obey these laws for ambulances, police vehicles, fire department vehicles, Department of Lands and Forestry fire vehicles, fire chiefs’ or deputy fire chiefs’ vehicles, conservation officers’ vehicles, motor vehicle and carrier inspectors’ vehicles, public safety vehicles such as sheriffs and bridge patrol officers, and tow trucks that are stopped at the scene of a fire or collision or assisting a vehicle. A fine can be as high as $350 for a first offence, with the potential to go higher.
HELP KEEP WORKERS SAFE.
When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane, if safe to do so, farther away from the stopped vehicle if it can. The driver must obey these laws for emergency and law enforcement vehicles. A fine can be as high as $350 for a first offence, with the potential to go higher.
IMPAIRED DRIVING DOESN’T JUST MEAN SUBSTANCES.
Driving under the influence of a substance is dangerous and illegal. But what isn’t thought about often is that a severe lack of sleep could also impair you just as much. Any time your mental facilities could be compromised – whether from alcohol, poor sleep, new medication, or even having a horrible cold, take time off the road.
A few facts about car insurance in New Glasgow.
- The average age of auto insurance policyholder in New Glasgow is 32
- The average age of drivers in New Glasgow is 46
- The number of accident claims in New Glasgow in 2018 was 1400
- The top automotive brands we insure in New Glasgow are Chevrolet, Ford, Toyota, Honda, Dodge, Mazda, Jeep, Chrysler
- 69% of people in New Glasgow drive Cars
- 31% of people in New Glasgow drive Trucks
Facts and myths about New Glasgow.
FACTS
It’s the former home of J.D. Fortune, former lead singer of Australian rock band INXS. He was chosen as their new singer after winning CBS’s Rock Star: INXS in 2005.
Glasgow Square Theatre, located on the downtown riverfront, is a 285-seat auditorium that hosts year-round concerts, plays, and other community functions. The theatre can be transformed into an outdoor amphitheatre, one of the few theatres in Canada (if not the only) that can do that.
Every year since 1995, the New Glasgow Riverfront Jubilee has welcomed local and international musicians to its stage for three days of family entertainment. Held over the first of August long weekend, the Jubilee features rock, blues, folk, country and the best East Coast music from new and established artists.
The Town of New Glasgow was born with the arrival of Scottish immigrants in the late 18th century. In 1784, Deacon Thomas Fraser moved his family from the Scottish settlement at Pictou and settled them along the western side of the East River. Over the following years, others would join them, and it became a distinct village that the inhabitants would name New Glasgow, in honour of Glasgow, Scotland.
MYTHS
The range and quality of services of a modern, self-sufficient community are all readily available. Today retail, manufacturing, forestry, pulp and paper, food retail/distribution, technology and tourism are among the economic engines of the entire Pictou County region.
The Pictou County Health Authority is responsible for delivering health care services to the 46,000 residents of Pictou County. The care is delivered through the Aberdeen Hospital in New Glasgow.
The Province of Nova Scotia provides assistance to low-income homeowners who cannot afford to carry out emergency repairs to their homes.
New Glasgow has three elementary schools and a new state-of-the-art high school.
We do the shopping. You get the savings.
Nova Scotians love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our Nova Scotia customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:
How Munn Insurance saves you money.
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.
- Bundling (Auto + Home Discount)
- Multiple Vehicle Discounts
- Experienced Drivers Discount
- Safe Drivers Discount
- Claims-Free Discount
- Loyalty Discount
- And Many More
Combine your home and car policies and save.
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:
- Private Homes
- Condos
- Tenants
- Cabins/Cottages
- Rented Dwellings
Special discounts and savings with a Munn Insurance group policy.
We recognize the value groups provide to New Glasgow. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across Nova Scotia. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Nova Scotia are able to take advantage of special discounts and many extra-valuable benefits.
- Special Group Discounts
- Mortgage & Real Estate Assistance
- 0% Insurance Financing
- Home Repair Assistance
- Legal Assistance
- Health Assistance
Get New Glasgow’s best leisure vehicle protection.
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.
- Boat and Watercraft
- ATV
- Snowmobile
- Classic Cars and Auto
- Motorhome, RV and Trailer
- Motorcycle
Car insurance laws in New Glasgow.
It is mandatory to have auto insurance for all vehicles in New Glasgow. 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 New Glasgow are:
- $500,000 liability coverage
- $50,000 medical payments coverage
- $2,500 funeral benefits
- Disability income/death benefits for persons injured or killed in an auto accident
- Uninsured and unidentified driver insurance
Nova Scotia has a no-fault based insurance system. Drivers can file claims with their own insurance company, regardless of who is at fault for the accident. Also, the province does not take age or marital status into account when determining risk.
New Glasgow car insurance – your questions answered.
Our Latest Advice
What Every Landlord in NL Needs to Know About Rental Property Insurance
Owning a rental property comes with plenty to manage. Finding tenants, collecting rent, keeping up with repairs. These demands can make insurance feel like something you arrange once and rarely revisit.
That can be a costly mistake.
Your rental property may be one of your largest investments. The way it is occupied, maintained, and used changes over time, and your landlord insurance needs can change with it.
Is Regular Home Insurance Enough for a Rental Property?
No, and this is one of the most important distinctions a landlord can understand.
Home insurance is designed for an owner-occupied property. Landlord insurance, sometimes called rental property insurance, is designed for properties occupied by tenants. Insurers assess these situations differently, and the coverage reflects that difference.
Do not assume your existing home insurance remains appropriate once someone else is living in the property. This applies if you:
- Move out of your home and decide to rent it rather than sell it
- Purchase a property specifically to rent
- Add a basement apartment or secondary suite
- Start renting a property that was previously vacant
- Move into one unit of a multi-unit property and rent the others
- Change how or to whom the property is rented
If any of these apply, speak with your insurance broker before the property is occupied by tenants.
What Does Landlord Insurance Actually Cover?
Depending on your policy, landlord insurance may help protect:
- The rental building
- Appliances, furnishings or other property you provide for tenants
- Your liability as the property owner
- Rental income following certain insured losses
- Garages, sheds and other structures on the property
Landlord insurance is not a blanket policy for everything that might go wrong. It is generally not intended to cover:
- Routine maintenance or normal wear and tear
- Your tenant’s personal belongings — furniture, electronics, clothing
- Tenant damage in all circumstances — whether this is covered depends on exactly what happened and the terms of your specific policy
Rather than asking simply “do I have landlord insurance?”, ask:
- What causes of loss am I insured against?
- What water damage coverage do I have?
- What is my liability limit?
- Do I have coverage for lost rental income?
- What deductibles apply?
- What exclusions should I know about?
You don’t want to discover the answers after a claim has already happened.
Does Landlord Insurance Cover Lost Rental Income?
Sometimes, but not automatically, and not in all situations.
Imagine a fire seriously damages your rental property. Your tenants have to move out while repairs take months. The rent stops. Your mortgage payments, property taxes and insurance costs may not.
Loss of rental income coverage can help replace rent you lose when an insured event makes the property temporarily unfit to live in. But this coverage is not automatically included in every landlord policy — confirm whether you have it.
There is also an important distinction: loss of rental income coverage applies to income lost after an insured loss. If your tenant simply stops paying rent, that is generally not what this coverage addresses. This distinction surprises many landlords, which is why it is worth understanding now rather than when a claim occurs.
What Liability Risks Do Landlords Face as Property Owners?
Many landlords focus first on fire or storm damage. Liability is equally important.
As a property owner, you could face a claim if someone is injured on the property and you are alleged to be legally responsible. Common liability risks for landlords include:
- An icy walkway or steps
- Damaged or loose handrails
- A poorly maintained deck
- Falling snow or ice
- A maintenance problem that creates an unsafe condition
Landlord insurance can include liability coverage to help protect you against covered claims. But insurance is not a substitute for proper maintenance — the two work together.
Stay on top of the property: roof condition, plumbing, heating systems, stairs and railings, smoke and carbon monoxide alarms, and exterior walkways. Keep records of major repairs, including receipts and photographs where practical.
What Happens If My Rental Property Becomes Vacant?
A property sitting empty can create additional risk. Vacancy can happen when:
- A tenant moves out and you are waiting for a new one
- The property is being renovated
- You have just purchased the property
- A unit will be unoccupied for an extended period
Coverage requirements can change depending on the policy and how long the property remains vacant. Contact your broker promptly if a rental property becomes vacant — do not wait for renewal or assume the policy continues unchanged.
When Do I Need to Tell My Broker About Changes to My Rental Property?
The insurance you arranged when you first bought the property was based on how it was being used at that time. Rental properties change, and your coverage should keep pace.
Tell your broker if something significant changes, including if you:
- Complete major renovations
- Add another rental unit
- Change the heating system or add a wood stove
- Switch from long-term tenants to short-term rentals
- Start renting through Airbnb or another platform
- Move into part of the property yourself
- Have a tenant move out and the property becomes vacant
- Purchase additional rental properties
Do not wait for renewal to report a significant change. Call your broker and ask whether it affects your coverage.
Are My Tenant’s Belongings Covered Under My Landlord Insurance?
No, and this is a common misunderstanding that can create real problems after a loss.
Landlord insurance is primarily designed to protect you and your property as the owner. It does not generally cover your tenant’s personal belongings — furniture, electronics, clothing, jewellery or other possessions.
Tenants need their own tenant insurance, which can cover their belongings, provide liability protection and, depending on the policy, help with additional living expenses if they cannot stay in the rental following an insured loss.
Many landlords choose to require tenants to carry tenant insurance as a condition of the rental agreement. At a minimum, tenants should clearly understand that your policy and their policy protect different things.
Review Your Landlord Insurance Regularly
The right landlord insurance is not something you arrange once and never revisit.
Properties age. Tenants change. Renovations happen. Rental arrangements evolve. A regular review with your broker is an opportunity to confirm:
- The insurer has accurate, current information about the property
- Your coverage still reflects how the property is being used
- Your building limits remain appropriate
- Your liability coverage meets your needs
- Any renovations or significant changes have been reported
- Your rental income coverage is in place and understood
- Your deductibles and coverage options still make sense
For landlords with multiple properties, reviewing the portfolio as a whole can be especially worthwhile.
Talk to the Landlord Insurance Experts at Munn Insurance
Whether you own your first rental property or have built a growing portfolio, Munn Insurance can help you understand your coverage and make sure your insurance reflects how your property is actually being used.
Our local insurance experts work with landlords throughout Newfoundland and Labrador and Nova Scotia. We can review your property, explain your options and help you find landlord insurance that fits your situation.
Protect your property. Protect your rental income. Protect your investment.
Get a landlord insurance quote: www.munninsurance.com/landlord-insurance-program
Call: 1-855-726-8627
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