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Scotia Home & Auto Insurance Policies are arranged for by BNS Insurance Agency Inc. ("BNSIA") and serviced by Johnson Inc. BNSIA collects your personal information and provides it to either Royal & Sun Alliance Insurance Company ("RSA") or Unifund Assurance Company ("Unifund") for the purpose of providing you your quote for home or auto insurance. RSA issues and underwrites home and auto insurance policies issued in Quebec and Unifund does the same in the rest of Canada.