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Over the past 25 years I moved several times and thus had to have several home insurance. This Scotia Home insurance (BNS Certas) is the worst I ever had to deal with!! It sounds they are beginners, only dealing with very small apartment and not able to cover for bigger homes!! If only they said so instead of asking you hours of questions and making you hold on to ask supervisors, seniors etc who visibly know nothing about nothing!! terrible experience!!! As a proud Scotiabank customer, the bank should stop working with this amateur group!!!