Skip to content

Home Insurance

Customized home insurance for your unique lifestyle.

Get a Quote

Home Insurance

Customized home insurance for your unique lifestyle.

Get a Quote

Preserve your Home and Heritage with Caldwell Roach Insurance

Nestled in the heart of The Maritimes, our homes are not just structures; they are the sanctuaries where memories are made, where dreams take root, and where life unfolds in its myriad hues. In Nova Scotia, PEI, New Brunswick, and the surrounding regions, our homes also stand against the unique tapestry of Atlantic weather, local traditions, and community spirit. At Caldwell Roach Insurance, we understand that your home is more than an asset—it’s an integral part of your personal story. That’s why our home insurance solutions are crafted not just to protect your home but to preserve the warmth and security it represents for you and your loved ones.

Understanding Home Insurance in the Maritimes

The Maritime provinces, with their picturesque landscapes and rich cultural heritage, also face distinctive challenges—from coastal storms to unique local bylaws. Our home insurance policies are designed with a deep understanding of these local intricacies. We believe in offering protection that’s as comprehensive and unique as the homes and the lives of the people we serve.

Building Stronger Communities Together

At Caldwell, we believe that our role extends beyond insurance policies and claims. We’re a part of the vibrant tapestry of The Maritimes, committed to strengthening our communities. Through local initiatives, support programs, and educational efforts, we invest in the same neighborhoods that our clients call home, ensuring that our shared future is bright and resilient.

Coverage Tailored to Your Needs: Mandatory Insurance

  • Building and Contents Insurance: Safeguard your property and its contents against risks like fire, theft, or natural disasters. Choose a flexible insurance policy that fits your life and your budget.
  • Liability Protection: In the close-knit communities of The Maritimes, your peace of mind is paramount. Liability coverage ensures that you’re protected against the unexpected, from accidents on your property to unforeseen damage.
  • Living Expenses Coverage: If you’re temporarily unable to live in your home, due to a covered claim, we’ve got you covered. This type of coverage can help cover living expenses, ensuring life goes on, even when the unexpected happens.

Ready to Protect What Matters Most?

Your home is your haven, and protecting it is not just our profession—it’s our passion. Whether you’re in the bustling streets of Halifax, the serene shores of PEI, or the historic landscapes of New Brunswick, we are here to offer protection that’s as unique as your home and as steadfast as the Maritime spirit. Embark on your journey towards peace of mind today. Connect with our experts, explore your options, and discover how we can help you shield your home against the unexpected, with care, expertise, and a personal touch that truly sets us apart.

Why Choose Caldwell Roach Insurance?

Local Expertise, Personal Touch

Our roots run deep in the Maritime soil. Our agents are not just insurance experts; they’re your neighbors, familiar with the challenges and joys of Maritime living. They’re here to provide tailored advice, ensuring your coverage meets your individual needs.

24/7 Claims Service

While we’re open 8am-6pm, Monday-Friday, our claims support team is here for you around the clock. We understand that claim questions and concerns don’t have a schedule, and neither does our commitment to you.

Claims Process: Fair, Fast, Focused on You

In times of stress, you need an ally. A claims process should be transparent, efficient, and above all, compassionate. We work tirelessly to ensure that your claims are handled swiftly and with the utmost care, so you can focus on what truly matters—rebuilding and moving forward.

Additional Home Insurance Coverage

Overland Water Protection

In the embrace of the Atlantic, water is a part of our lives and a source of risk. Overland Water Protection guards your home against the unpredictable nature of water damage, from heavy rains to melting snows, ensuring that your sanctuary remains secure. Ask one of our brokers about this optional coverage option in your area.

Enhanced Valuables Coverage

Your treasures tell your story—from heirloom jewelry passed down through generations to that piece of art that speaks to your soul. Enhanced valuables coverage ensures that your most precious items are protected, allowing their stories—and yours—to continue.

Identity Theft and Fraud Protection

In today’s digital age, your personal information is as precious as your physical home. Identity theft and fraud protection coverage helps safeguard your personal information, providing support and resources to restore your peace of mind in case of a breach.

Green Home Coverage

For those who are steering their lives towards a more sustainable future, this coverage supports your green journey. From energy-efficient appliances to eco-friendly rebuilds, Green Home Coverage helps protect and promote your investment in sustainability.

Home Insurance FAQs

Absolutely. Life is dynamic, and your home insurance should be too. Whether you’re renovating your kitchen, adding a new member to your family, or starting a home-based business, we’re here to adapt your policy to fit your evolving needs. Just give us a call, and our dedicated team will guide you through the process of updating your coverage to ensure it continues to reflect your current lifestyle and needs.

Actual Cash Value refers to the value of your item at the time of loss, considering depreciation. In contrast, Replacement Cost covers the cost of replacing the item with a new one of similar kind and quality, without deducting for depreciation. Depending on your preference and the specifics of your policy, you can choose the type of coverage that best suits your needs and offers the peace of mind you deserve.

While home insurance isn’t legally mandated in Canada, most mortgage lenders require you to have it as part of their lending conditions. Beyond this requirement, having home insurance is a prudent decision. It safeguards your most significant investment—your home—and gives you a safety net against unforeseen events. Think of it as a protective embrace for your sanctuary, ensuring you and your family are shielded from financial burdens that might arise due to damage or loss.

Ensuring you’re getting the best value starts with understanding your specific needs. Our approach is to offer a personalized consultation to match you with the right coverage. We also recommend reviewing your policy annually, taking advantage of discounts you may qualify for, and considering a higher deductible if it suits your financial situation. Remember, the cheapest policy isn’t always the best; it’s about finding the right balance between adequate coverage and an affordable premium. Our team is dedicated to guiding you through this process, ensuring that you receive the best value without compromising on protection.

Get a Quote Now!

Are you ready to protect your humble abode? Secure your investment with a reliable premium today.

Get a Quote