CNS - Canadian Northern Shield (RSA) Home Insurance Reviews

CNS said we are using our woodstove too often and not our oil furnace which is our primary source of heat -I did not know exactly how many cords they asked me of wood we use so I said 4 cords... Well, we don’t use that much and only use the wood stove in cool months just to heat up the home in the mornings. Renewed oil tank and put in a cement pad, got new water tank system installed as they needed and yet they are still going to lapse the policy - some insurers won’t even insure with an oil furnace in use. What do you do!?

Not much consideration is given to the time given for an upgrade in the home when a pandemic is ongoing and it is very difficult to get supplies. They just let us know the policy will lapse if a request is not complete before the due date.

CNS has been my insurer for over 20 years. I have had 2 claims in that period and both were handled exceptionally well. The last claim involved a flood in my home leaving it inhabitable until restoration could be completed. CNS had me set up with temporary lodging within 2 hours of calling them and filing a claim. I have found their rates to be reasonable, however, since I have been with them for so long, that does help reduce my premium costs