Home Insurance ::
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Quebec Home Insurance
Home insurance protects your civil liability, your home and your personal belongings. It also enables you to maintain your standard of living following a loss and return to your original home situation.
Although not mandatory, home insurance is recommended to protect you and your assets in the event of a loss. If your home is the subject of financing, the mortgagee will require insurance on your property. If you are a tenant, your landlord may require you to take out insurance.
Only agents and brokers registered with the Autorité des marchés financiers (AMF) can sell and advise you on home insurance.
Home Insurance Policies
Home insurance in Quebec is divided into two categories. All-Risk and Basic forms. Most home insurance companies often use different names for these types of policies. They can also include packages that are chosen according to your situation, home, assets, lifestyle and needs.
An All-Risks policy provides more coverage and better compensation in the event of a claim. An All-Risks form means that if a risk isn't excluded from the policy, it's covered. A Basic form means that the home is only covered for the risks expressly named in the policy.
The risks covered vary according to your living situation. In other words, whether you're a tenant, condo owner, or homeowner.
Home insurance protects your property against various risks, including fire, smoke, explosion, basic water damage, theft, vandalism, wind, tornado, lightning, hail, falling objects and collisions with vehicles. You can enhance your coverage by adding endorsements tailored to your needs.
Homeowner Insurance Coverages
Legal Liability
Legal liability coverage protects you against bodily injury and property damage that you may unintentionally cause to others through your personal actions. This coverage extends worldwide.
Dwelling Building
Allows you to rebuild your property in the event of a total loss, or repair/replace it in the event of a partial loss. Depending on the insurer and the policy, this coverage may include a global amount to rebuild your property, as well as additional coverage to protect you against inflation.
Detached Private Structures
Allows you to rebuild outbuildings in the event of a total loss, or repair/replace them in the event of a partial loss.
Personal Property
Protects your personal property in the event of a claim, allowing you to receive compensation for replacement or repair of your goods.
Additional Living Expenses
Allows you to maintain your normal standard of living after a claim while your home is being repaired. Additional living expenses reimburse above normal expenses for accommodation, gas, and food.
Tenant Insurance Coverages
Legal Liability
Legal liability coverage protects you from the unintentional harm and damage you may cause to others in your personal life. This protection applies worldwide.
Personal Property
Personal property coverage protects your belongings by reimbursing you for their repair or replacement in the event of a claim.
Additional Living Expenses
It allows you to maintain your usual lifestyle after a loss until your home is habitable again. It covers the extra costs of lodging, fuel and food.
Condo Insurance Coverages
Legal Liability
Civil liability covers you for bodily injury and property damage you cause to others in your private life. This coverage is global, so you're covered anywhere in the world.
Unit Improvements and Betterments
Protects the improvements you've made to your condo, especially those not covered by the condo association/corporation's insurance. If you're responsible for your doors and windows, this coverage covers you for damage to them. Depending on the insurer and policy, this protection may include a global amount of insurance to repair or replace your condo improvements.
Personal Property
Protects your belongings in the event of loss and allows you to receive compensation for replacement or repair.
Additional Living Expenses
This coverage allows you to maintain your daily lifestyle after a loss until your home is habitable again. It covers additional expenses such as accommodation, fuel and food.
Loss Assessment
Protects you if the condo corporation/association asks you to pay for damage to the common areas of the building. This amount is based on your share. It can also be used if the condo corporation/association asks you to pay part of the deductible on the building's insurance policy.
Home Insurance Endorsements
Endorsements are additions to your home insurance policy. They allow you to extend your coverage and provide better compensation in the event of a claim. Here's a list of the most common endorsements for Quebecers.
Water Above Ground
Protects your home against sudden, non-recurring infiltration of water, snow or ice from the roof, walls, windows, ceiling and upper floor. In addition, you'll be covered for damage resulting from the weight of these elements. It also protects you from water damage from ice dams.
Ground Water & Sewer Backup
Covers your home from sudden, non-recurring water infiltration through foundations, coping stones, floors and sewer backups.
Water Inlet
Covers your home from water inlet breaks for a period of time. This means you're covered if your water main breaks due to freezing, corrosion or compression of tree roots.
Earthquake
Protects your home, personal property and outbuilding in the event of earthquake damage. This is often due to building collapse or falling objects.
Fire, Smoke, Explosion Following Earthquake
Covers your home and personal property from damage caused by fire, smoke, or explosion resulting from an earthquake.
Claim Forgiveness
Your home insurance renewal premium will not increase following a first claim.
Legal Protection
Allows you to benefit from the services of a lawyer and to cover certain civil legal fees in the event of a situation covered by the endorsement.
Identity Theft
This service allows you to be assisted by professionals to re-establish your identity and pay for certain costs associated with dealing with various institutions. These may include the cost of printing documents and missed days of work.
