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Home Insurance in Newfoundland & Labrador

Coverage that protects your biggest asset

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We are the Most-Trusted Broker for Home Insurance in Newfoundland & Labrador

Our team of brokers in St. John's and Corner Brook will shop around to find you the best rates for home insurance premiums in NL. Get a free online quote today!

Finding the right home insurance policy for your unique needs can seem overwhelming. Rest assured, we can help make things a bit simpler by creating a home insurance policy that gets you the proper coverage for your home at the right price.

Take action with Wedgwood Insurance Limited to ensure that every time the front door shuts behind you that your home, family, and belongings are secured against the uncertainties of life.

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Get the best rates for home insurance in Newfoundland

Your home is one of your biggest assets. That’s why it’s important to do everything you can to protect it from things like floods, fires, sewer backups, water damage and more severe catastrophic losses. We’ll help you plan for the unexpected with home insurance coverage that’s just right for your property and your family.


At Wedgwood Insurance, we work hard to partner with large insurance companies in Canada, so you don’t have to pay more for your home insurance in Newfoundland. We’re independent insurance brokers and will work hard to be your trusted advisors through the storms and the good days.

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Premium, Straightforward Home Insurance in NL

With Wedgwood, enjoy best-in-class pricing, tailored comprehensive coverage, and clear coverage terms, backed by an insurance broker you can trust.

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Home Insurance Tailored for You

Your home is the center of your life. It’s also your biggest investment. So make sure you cover the unique risks you face with home insurance in Newfoundland & Labrador. Get the right policy with property insurers that will take care of both small and large risks related to owning a home.

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Why You Need Home Insurance in Newfoundland & Labrador

Your home is both a valuable asset and the center of your life, so it’s very important to cover every risk with home insurance coverage. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time.

For example, a devastating fire could result in not just the total loss of your home and personal belongings, but financial ruin. Without adequate home insurance coverage, you could be left with no way of raising the funds to pay off the balance of the mortgage, even after making insurance claims.

When tailoring your options for house insurance in Newfoundland, consider your exposure to the following:

  • Building Limit
  • Personal Property / Contents
  • Personal Liability
  • Additional Living Expense / Loss of Use
  • Jewelry, Fine Arts & Collectibles
  • Excess Liability Coverage
  • Overland Water Coverage
  • Secondary Home
  • Collectible/Classic Cars
  • Wine Collection
  • Water Back-Up
  • Off Premises Theft
How can home insurance protect you?
Use the yellow hot spots and explore how home insurance can help protect against common risks.
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.


Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.


Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.


Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.


Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.


You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.


Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?


Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.


Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.


Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.


If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.


Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.


Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Understanding Home Insurance in Newfoundland & Labrador: Tailored Protection for Unique Local Challenges

At Wedgwood Insurance, we recognize the distinct needs of homeowners in Newfoundland & Labrador. Our province’s unique climate and landscape present specific challenges that require specialized home insurance solutions.

Weather-Related Risks in Newfoundland & Labrador

Our province is known for its varied and often harsh weather conditions. From heavy snowfall in the winter to the potential for hurricanes and coastal storms, it’s crucial to ensure your home insurance policy covers these weather-related risks. We provide coverage options that protect against damage from snow, ice, wind, and flooding, ensuring that your home remains a haven no matter the weather.

Adapting to Newfoundland’s Real Estate Market Trends

The real estate market in Newfoundland & Labrador has its characteristics. From historic homes in downtown St. John’s to modern constructions in suburban areas, each property requires a different approach to insurance. Our policies are designed to offer flexible coverage that aligns with your home’s market value and specific needs, whether it’s a century-old heritage property or a newly built family residence.

Navigating Newfoundland-Specific Home Insurance Laws

Understanding provincial regulations and requirements for home insurance can be complex. Newfoundland & Labrador’s laws regarding home insurance include specifics on liability coverage, fire protection standards, and more. Our team at Wedgwood Insurance stays up-to-date with these regulations, ensuring that your policy meets the provincial standards and offers the best protection for your home and family.

Customized Insurance Solutions for Newfoundlanders

Every home in Newfoundland & Labrador has its story and specific needs. We offer customized home insurance solutions considering factors like your home’s location, age, construction materials, and risk factors unique to our province. Whether near the rugged coastline or in the heart of a bustling town, we ensure your policy covers what matters most to you.

Choose Wedgwood for Home Insurance in Newfoundland & Labrador

Your home is more than just a building; it’s where your life unfolds. Trust Wedgwood Insurance to provide the peace of mind that comes with knowing your home is well-protected against the unique challenges of Newfoundland & Labrador. Contact us today to find out how we can tailor a home insurance policy to your needs.

Wedgwood Insurance offers comprehensive home insurance in Newfoundland & Labrador, from St. John’s to Corner Brook.

Blog Posts About Home Insurance in Newfoundland

It's time to get competitive rates on home insurance in Newfoundland

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