Auto, home, life and business insurance in Nova Scotia are sold by private companies. The required auto liability, $500,000, is higher than in most provinces.
Auto insurance is mandatory and sold by private insurers. Every policy must include third-party liability of at least $500,000, direct compensation for property damage, accident benefits and uninsured automobile coverage. Collision and comprehensive are optional.
Wind damage from storms, including hurricanes, is usually covered by home insurance, while flooding from rising water usually isn't unless you add overland flood coverage. Ask your advisor what is and isn't included.
The Government of Nova Scotia's Office of the Superintendent of Insurance (novascotia.ca/finance) oversees insurance in the province. Contact it to confirm someone's licence or to ask about a complaint.
Nova Scotia's public plan is Medical Services Insurance (MSI). It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Every policy must include third-party liability of at least $500,000, direct compensation for property damage, accident benefits and uninsured automobile coverage. Collision and comprehensive are optional.
Private insurance companies, through brokers and agents. The province or territory sets the minimum coverage every auto policy must include.
Contact the Government of Nova Scotia's Office of the Superintendent of Insurance, or look someone up on its website if it has a lookup tool. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside Nova Scotia, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in Nova Scotia. It's free, and talking to an advisor carries no obligation.