assurance-habitation

HOME INSURANCE

It’s easy to save
on your home insurance!

Save an average of $510 by bundling your auto and home insurance!

We offer coverage to meet all your needs at an affordable price! Keep reading for more ways to save on your insurance:

Get up to 10% off your home and auto insurance if you own other iA Financial Group products, such as life insurance, disability insurance, critical illness insurance, an RESP or a savings product.*

Did you know that you can get additional discounts on your insurance if you insure both your car and home with us? What's more, you'll pay only one deductible on claims involving both your home and vehicle. It pays to have all your insurance under the same roof! Don't wait—get a quote today!

Are you concerned for your safety and have your home equipped with a fire and/or theft alarm system? Then you'll get an additional discount on your home insurance premium. This discount will be even greater if your alarm system is connected to a central monitoring station or police station.*

Have you owned your house for at least five years or been a tenant or condo owner at the same address for at least one year? Enjoy the stability discount, designed for all types of owners and tenants. The longer you live under the same roof, the greater the stability discount!*

Taking care of you is in our nature

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Availability

Got questions about your home insurance? Our agents are here to support you and make sure your needs are met.

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Satisfaction

9 out of 10 clients renew their auto and home insurance with us every year.

Quick and easy claims!

IN CASE OF AN INCIDENT

When losses happen, we're here to help. Count on our expert advice and assistance for your home insurance claims.

What to do in case of damages

24/7 claims service

Our protection

Home insurance for tenants

Are you renting? Take advantage of our discounts and protect your belongings for as little as $15 a month!

You should be aware that the home insurance that your landlord holds does not cover your personal belongings. In fact, in order to have proper coverage in the event of a claim, tenants must insure their personal belongings against fire, theft and vandalism.

It is also important to have insurance to be properly protected in case you are the cause of damage to the building or to the property of other tenants in your building. Tenants' home insurance will prevent you from losing everything you own or having to compensate other tenants in your building in the event of a claim.

To ensure you are protected at all times, you can also purchase all-risk coverage to protect your personal belongings even when they are not in your apartment.

Contact us to find out what discounts you are eligible for, or request an online quote today!

For homeowners

Generally speaking, if you take out a mortgage to buy your home, your lender will require you to have home insurance. That's why, as a homeowner, it's important to choose the right insurance for your home or condo so you have the proper protection and avoid any unpleasant surprises in the event of a claim. Your home insurance will provide you with coverage against damage to your home, as well as liability coverage to cover you in the event of bodily harm or material damage involuntarily caused to another.

We offer you different types of coverage that will meet your needs, whether you own a house, a second home, a building or a condo.

At all times, we ensure you have peace of mind.

Insurance for homeowners

- Home insurance for homeowners


Are you a homeowner? We have the insurance you need! Our homeowner's insurance will cover you for damage to your home and personal property. Whether you own a single-family home, semi-detached, secondary residence, cottage, townhouse or row house, we have the right insurance products for your needs. Our home insurance also covers any outbuildings (such as a garage or shed) at your residence, as well as the personal belongings they contain.

Get a quote and/or learn more about home insurance for homeowners

- Home insurance for condominium owners

Our homeowner's insurance for condominium owners covers your property as well as any improvements, whether functional or aesthetic, made to your unit over time. This insurance also protects condo owners from the financial consequences of civil liability for bodily injury or property damage unintentionally caused to others.

Several options are available to supplement your basic insurance:
- sewer backup
- water seepage
- and more

Contact us for sound advice regarding home insurance for condo owners.

Get a quote and/or learn more about home insurance for condominium owners

- Home insurance for rental property owners

Do you own a rental property? Get the right coverage and avoid unpleasant surprises with our insurance designed specifically for rental property owners. Home insurance for rental properties covers landlords for civil liability and damage to the building. This insurance coverage is for buildings with six units or less.

Get a quote and/or learn more about home insurance for rental property owners

FAQ

The cheapest home insurance is the one that provides suitable coverage for your needs at the right price.

Here are a few tips on how to get discounts from your insurance company and save on your home insurance premium:

  • Bundle your auto and home insurance with the same provider. That can give you a discount on both insurance policies.
  • In addition to providing protection, installing an alarm system in your home to prevent theft or fires can also save you money. If the system is connected to an alarm centre or a police station, you’ll save even more.
  • Some insurance companies will also give you a discount if you have other products with them. iA Auto and Home Insurance will offer you an additional discount if you have other iA Financial Group products, like life insurance or savings products.

Remember that cheap insurance is not necessarily the best insurance. Make sure that your coverage is appropriate for your needs and that you’ll be getting services that are up to your expectations in case you have to submit a claim.

Check out our article on how to reduce your home insurance premium.

The best home insurance is the one that provides the right coverage to meet your needs.

Some coverages may be included in your policy to protect your home and property in case of fire, theft or vandalism. Good home insurance will let you adapt your policy to your circumstances. For example, you could add coverages for your pool, your valuables, water damage, etc.

Make sure the insurance company also offers an excellent claims service.

Don’t hesitate to ask your agent questions to make sure you get an insurance policy that meets your needs.

See our article to find out how to choose home insurance adapted to your needs.

Home insurance premiums are customized for each person insured. For example, if you’ve never submitted a claim, your insurance premium will probably be lower.

The features of your home such as its age, general condition, materials used for construction, renovations done over time, heating system and cost to rebuild also have an impact on the cost of your premium.

Some factors like the age of your roof or the water heater can also increase the cost of your home insurance. If they’re nearing the end of their useful life, there’s a higher risk of water damage.

Other factors are also taken into consideration to calculate your home insurance including your credit score, where you live, how close your home is to a fire hydrant, etc.

External factors can also influence the price of home insurance premiums, such as the increased cost of materials and labour that contribute to the cost of rebuilding homes.

The best auto and home insurance is the one that provides the right coverage to meet your needs as well as a quick and efficient claims service.

Obviously, the cost of the policy must be taken into consideration when you’re looking for the best auto and home insurance. If you’re looking to save on your auto and home insurance premium, try getting both policies from the same place. Plus, if you have to submit a claim that involves your vehicle and your home, you’ll have only one deductible to pay and your file will be processed more quickly.

Don’t be afraid to ask your agent any questions you have to make sure you understand the coverages available so that you can get the best auto and home insurance policy for you.

In recent years, the insurance industry has had to adapt to many changes. These include increased costs for materials and labour as well as rapidly increasing claims from natural disasters. Changes like these drive up the cost of claims, which in turn impacts the amount of premiums.

Here are some tips to lower your home insurance premium:

  • Bundle your home and auto insurance policies. This will help you save on the cost of your home and auto insurance.
  • Increase your deductible. Your deductible is the amount you have to pay when you make a claim. A higher deductible will help lower the cost of your insurance premium.
  • Let us know if you have financial products with iA Financial Group/Industrial Alliance. Adding them to your file can save you up to 10%.
  • Inform us if you make renovations or improvements to your home. Certain changes can reduce your premium.
  • Install an alarm system connected to a central station. Protecting your home against theft will give you a discount on your home insurance premium.
  • Contact us. Updating your file will ensure that you have the right coverage for your needs. In addition, if your situation has changed following a marriage, divorce, move, etc., it is important to notify us.

Unlike auto insurance, home insurance is not mandatory in Quebec. However, it is highly recommended to have it. In addition, if you take out a mortgage to buy your home, your lender will require you to have home insurance.

Imagine if a fire started in your home or a broken pipe caused major water damage. If you don’t have home insurance, you will have to pay for the repairs yourself. That’s why it’s important to make sure you’re covered!

Also, if you rent an apartment, your landlord may require you to have tenant insurance so that you are covered for damages you may cause to others (civil liability).

As an insurer, we see how small actions can have serious consequences and how a small flame can quickly lead to a major fire.

Hot ashes stored in the wrong place, a cigarette butt left in a flower box and even a BBQ placed too close to the house are examples of situations that can cause a home to go up in flames. It is therefore important to be careful in order to prevent fires and especially to have proper home insurance coverage.

In order to be protected in case of a fire, you need a home insurance policy with specified perils coverage on the building and its contents. This coverage is usually included in your basic home insurance policy.

Multi-risk coverage, also known as all-risk coverage, protects your home and belongings against all perils, EXCEPT those listed as excluded in your home insurance policy. In addition, your belongings can be protected even if they are outside your home.

Here are a few examples of what is covered by all-risk coverage:

  • You go on a trip and lose your luggage.
  • You forget your glasses in a restaurant, and when you go back, you can’t find them.
  • Your dog tears up your couch.
  • Your nephew spills a glass of water on your computer.

There are a few reasons why you might want to cancel your home insurance policy. For example, maybe you’re moving out of the country. Before cancelling your policy, it’s a good idea to talk to your insurance company. They may be able to advise you and offer you different options.

However, if you are certain that cancelling your policy is your only option, you can do so by email, by letter or by contacting your insurer directly by phone.

Depending on the number of months remaining on your policy, be aware that a cancellation fee may apply.

At Industrial Alliance Auto and Home Insurance, we don’t offer flood coverage. However, it’s possible to add coverage to your policy for damage caused by water entering above ground and below ground (including sewer backup). Talk to your agent for more information.

Whether you are a homeowner or a tenant, it is strongly recommended that you have civil liability coverage. This will cover you for damage you may unintentionally cause to others. Here are a few examples of what is covered by civil liability coverage:

  • A delivery person gets injured slipping on your snowy front steps.
  • Your child accidentally sends a hockey puck in the direction of your neighbour’s house, breaking a window.

Quotes and claims

Want to save time and get a home insurance quote in just a few minutes? You can do it online from the comfort of your home. In order to offer you the best possible price, your insurer will ask you several questions. You can then decide if the premium and proposed coverage meet your needs.

It is possible to submit an online claim. One of our experts will take note of your claim and quickly contact you. You can also make your claim by phone any time of day or night by calling our 24/7 claims service.

Home insurance for tenants

Many tenants mistakenly believe that it is not necessary to have tenant insurance. However, once damage occurs, they quickly realize the importance of such protection.

Home insurance for tenants allows you to insure the belongings in your apartment against theft, fire and vandalism. For example, if major water damage occurred inside your apartment and you had to replace a lot of your furniture and belongings, the compensation offered by your insurer would help you get back on your feet. Your insurance would also protect you if you caused damage to the building or to the property of other tenants in the building.

Tenant’s home insurance also covers damage or injury you may cause to others through civil liability coverage.

For example:

  • Your postal carrier is seriously injured after tripping over something you left on the stairs in your building.
  • Your washer breaks and causes water damage in the apartment beneath yours.

In order for your roommate to be insured under your policy, they must be added as a named insured. If you are a full-time student, you may be covered by your parents’ insurance policy. Have them check with their insurer.

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* Some conditions apply. Subject to change without notice.

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