Homeowner’s insurance covers you against damage that may occur to your residence, either for a detached or semi-detached dwelling, a condominium, a seasonal dwelling or a rental property of 6 units or less. Homeowner’s insurance also covers the dwelling’s outbuildings (garage and shed) as well as its contents. What’s more, this insurance also includes civil liability coverage, which protects against accidental damage that you may cause to someone or to their property.
Designated risk coverage on a building and its contents covers insurable perils such as fire and theft as listed in your homeowner’s insurance policy.
All risk coverage does more than protect your house or condominium: it also covers contents (furniture, tools, computer, etc.) against loss or damage caused by any risk that is not specifically excluded (not covered) in your policy. Your belongings may even be covered when they are temporarily outside your home.
Examples of loss:
- You leave on vacation and lose your luggage. You forget your glasses at a restaurant, go back to find them and they are gone.
Examples of accidental damage:
- Your dog wrecks your couch. Your nephew spills a glass of water on your computer. Your daughter uses your dining room set as a drawing board.
Our home insurance products are only available in the province of Quebec.
There are several options available to provide an added level of protection to your basic coverage, including:
- sewer back-up
- water damage
- pool or hot tub
- oil leaks
- other additional coverage options