Choose home insurance adapted to your needs
Whether you are a homeowner or a renter, here are our tips to help you with your home insurance quote application.
Choosing home insurance adapted to your needs
Your home is more than just a roof over your head. It’s where you feel safe, where you share precious moments, where every object tells a story. Whether you’re a tenant or a homeowner, choosing the right home insurance coverage is all about protecting what really matters.
In this article, we’ll walk you through why it’s important to have home insurance, how to prepare your quote, and make informed choices. Because having the right coverage means greater peace of mind.
Why is it important to have insurance, whether you’re a renter or a homeowner?
Home insurance is not just a formality. It’s a way of saying: “I care about my home.” It’s a responsible choice, but also one that is reassuring. By ensuring that you have the right coverage, you give yourself the freedom to live life to the fullest, without fear of the unexpected.
As a tenant, you enjoy the peace of mind that comes with not having to worry about the maintenance or insurance of the building you live in. However, it’s crucial to understand that the landlord’s home insurance does not cover your personal property or any damage you may cause to the building. Imagine the peace of knowing that your bike, computer and even your wallet are protected against theft or the unexpected.
As a homeowner, whether you own a house or a condo, you are responsible for your building, your property and sometimes even the common areas. The right coverage not only protects you against damage to your property, but also against civil liability in the event of damage caused to others.
In any case, good home insurance allows you to live life to the fullest, without fear of the unexpected.
Inventory your possessions, it’s easy
To ensure that you are well protected, it all starts with one simple step: inventory your possessions. Imagine having to replace everything after a loss. Difficult, right? So, to avoid any unpleasant surprises, take the time to:
- Make a list of your possessions (furniture, electronics, clothing, jewelry, etc.)
- Take photos and videos
- Keep your receipts and note the purchase dates
Assess the real value of your possessions
When submitting your quote:
- Indicate the total value of your possessions
- Ensure your coverage amount is sufficient to replace everything
- Consider specific coverage for high-value items (jewelry, works of art, etc.)
Need help appraising your possessions?
Our advisors are here for you. Coverage limits and special protections may vary depending on whether you are a homeowner or a renter, as well as the nature of your possessions and the type of coverage you choose (all perils, basic or extended). If you have any doubts, please feel free to reach out to us or visit your client space where you’ll find personalized information and tools to help you better understand your coverage. Our experts are also available to guide you through the process. Because getting the right insurance coverage means having the right support at any time, and just a click away.
Did you know?
iA Auto and Home Insurance was named the #1 auto insurer and #4 home insurer in Canada by the prestigious Forbes magazine in 2025, as part of its ranking of the best insurers in the country. This recognition is based on an extensive survey of thousands of consumers.
Have the right information ready for a smooth quote process
Looking to quickly secure insurance coverage that fits your needs? An online quote is the perfect solution: simple, fast and cost-effective.
To simplify the process, have the following information ready:
- Your current insurance policy (if applicable)
Useful for comparing coverage and rates - Full address of the property
Including the postal code and the type of residence (apartment, house, condo, etc.). - Size of your home
Number of rooms, approximate surface area, floor, presence of a basement or balcony. - Type of building
Concrete building, wooden house, duplex, etc. - Move-in date
Helps determine the length of occupancy. - Approximate value of your personal property
Furniture, appliances, clothing, electronics, etc. - Security system
Presence of a smoke detector, alarm system or smart lock. - Claims history
Theft, water damage or other incidents that occurred in your previous residences.
Good to know
Getting a quote online means you get the same discounts as you would over the phone, with the added bonus of the ease and rapidity of digital access. In just a few clicks, you can compare options, adjust your coverage to fit your needs and save big on your annual premium. It a simple, quick and cost-effective solution for budget-conscious renters and homeowners alike.
Tenants: Do I need insurance?
If you’re responsible for a loss in your rented apartment or home, tenant insurance protects you in three ways: reimbursement for your personal belongings, coverage for your civil liability, and compensation for additional living expenses while repairs are being made.
By purchasing home insurance, you can enjoy peace of mind knowing you are protected against various risks that could affect your daily life.
Save on your home insurance now
With our flexible coverage options and exclusive discounts, you could significantly reduce the cost of your annual premium. Whether you’re a homeowner, co-owner or renter, our personalized approach means you only pay for what you really need.
Discover our exclusive discounts:
- Multi-product savings: bundle your auto, home and recreational vehicle insurance and save even more.
- Home security system: Get up to 15% off if your home is equipped with a security system.
- Other iA products: Get up to 10% off if you have other products with iA Financial Group, such as life, disability, critical illness or savings products, etc.
Protect your home today with a quick, personalized insurance quote
Your home is more than just a roof over your head. It’s where you feel safe, where you share precious moments, where every object tells a story. Whether you’re a tenant or a homeowner, choosing the right home insurance coverage is all about protecting what really matters.
In this article, we’ll walk you through the basics of home insurance, how to prepare your quote, and make informed choices. Because having the right coverage means greater peace of mind.
Why buy home insurance online?
Getting a quote online means you get the same discounts as you would over the phone, with the added bonus of the ease and rapidity of digital access. In just a few clicks, you can compare options, adjust your coverage to fit your needs and save big on your annual premium. A simple, quick and cost-effective solution.
Imagine for a moment: water damage occurs during your vacation, or a fire damages your home. Without home insurance, the financial consequences can be severe. Home insurance protects you against:
- Damage to your property (furniture, appliances, clothing, etc.)
- Your civil liability (e.g., if you cause damage to a neighbour’s property)
- Living expenses if you have to temporarily leave your home
Save on your home insurance now
With our flexible coverage options and exclusive discounts, you could significantly reduce the cost of your annual premium. Whether you’re a homeowner, co-owner or renter, our personalized approach means you only pay for what you really need.
Discover our exclusive discounts:
- Multi-product savings: bundle your auto, home and recreational vehicle insurance and save even more.
- Home security system: Get up to 15% off if your home is equipped with a security system.
- Other iA products: Get up to 10% off if you have other products with iA Financial Group, such as life, disability, critical illness or savings products, etc.
Act now: make an inventory of your possessions
Making an inventory of your possessions is the first step to getting the right insurance coverage. In the event of a claim, you’ll need to prove what you owned.
How do you do this?
- List your belongings: furniture, appliances, clothing, jewelry, electronics, etc.
- Take photos or videos of each room and of your valuables
- Keep receipts and note purchase dates
- File your documents in a digital folder (Google Drive, Dropbox, etc.)
- Use an inventory form to simplify the task
Did you know?
iA Auto and Home Insurance was named the #1 auto insurer and #4 home insurer in Canada by the prestigious Forbes magazine in 2025, as part of its ranking of the best insurers in the country. This recognition is based on an extensive survey of thousands of consumers.
Join thousands of Quebecers: get your online quote now and discover why iA is a trusted choice.
Assess the real value of your possessions
When you purchase home insurance, it is essential to accurately assess the real value of your possessions. This ensures you have adequate coverage in the event of a claim and helps avoid any unpleasant surprises. Here are some key steps you should not overlook:
- Indicate the total value of your possessions: Make an inventory of your furniture, appliances, clothing, electronics, etc.
- Ensure your coverage amount is sufficient to replace everything: Make sure your policy allows you to replace your belongings with new ones, without financial loss.
- Consider specific coverage for high-value items: Jewelry, works of art, musical instruments or rare collections may require additional coverage.
Need help appraising your possessions?
Our advisors are here to guide you. Whether you need help understanding your coverage options or finalizing your quote, we’re here to help you make the right choice.
Save time: prepare your quote in 5 minutes
Getting an online quote for your insurance means choosing simplicity, rapidity… and savings! It’s an effective way to compare options, adjust your coverage to fit your needs and save big on your annual premium.
To simplify the process, have the following information ready:
- Your current insurance policy (if applicable)
Useful for comparing coverage and rates - Full address of the property
Including the postal code and the type of residence (apartment, house, condo, etc.). - Size of your home
Number of rooms, approximate surface area, floor, presence of a basement or balcony. - Type of building
Concrete building, wooden house, duplex, etc. - Move-in date
Helps determine the length of occupancy. - Approximate value of your personal property
Furniture, appliances, clothing, electronics, etc. - Security system
Presence of a smoke detector, alarm system or smart lock. - Claims history
Theft, water damage or other incidents that occurred in your previous residences.
Choose the coverage that’s right for you
It’s important to understand that, regardless of your occupancy status, you are responsible for your personal belongings and civil liability. Whether you’re a renter or a homeowner, having the right home insurance is crucial for your peace of mind.
Property protection:
- Renter: The insurance covers personal belongings such as furniture, clothing and electronics in the event of theft, fire or water damage.
- Homeowner: In addition to personal belongings, the insurance also covers the structure of the building, including the walls and the roof against damage.
Civil responsibility:
- Renter: Protects against claims for damage caused to others, for example, water damage affecting a neighbour.
- Homeowner: Also covers claims for damage caused but includes situations such as injuries that occur on the property.
Living expenses:
- Renter: Covers temporary relocation costs if the home becomes uninhabitable.
- Homeowner: Offers similar coverage for relocation but may also include loss of rental income if the property is rented out.
While both types of insurance provide basic coverage, they are tailored to the specific needs of renters and homeowners. Be sure to choose the coverage that best suits your situation to ensure your peace of mind.
👉 Discover our coverage options in detail
👉 Simple, quick and personalized—get an online quote now!
Need advice?
Don’t hesitate to contact us if you’re wanting to shop around for new home insurance. One of our insurance agents will be happy to assist you and answer all your questions.
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The following tools will help you prepare before discussing the details of your coverage with one of our agents.