Auto, home, tenant, or business. Describe what you want to protect; your request is directed to the authorized firm, with no underwriting in the public form.
The lowest premium is not the best coverage
Two contracts at the same price can differ on the deductible, exclusions, replacement cost, and optional coverage. A broker compares what is covered first, then what it costs. The reverse produces a saving that vanishes at the first claim.
Replacement cost or actual cash value
The first replaces an item with a new equivalent; the second accounts for depreciation. The gap can be considerable on a roof, an appliance, or furniture. That distinction is in the contract and is chosen, not automatic.
Water damage: several coverages, not one
Sewer backup, roof infiltration, a body of water overflowing, an appliance failing: these are distinct coverages, and several are optional. Many homeowners learn the difference afterwards. Ask which ones your contract includes.
Condominiums: two contracts that meet
The syndicate’s insurance covers the building per the declaration of co-ownership; yours covers your improvements, your belongings, and your liability, including the syndicate’s deductible, which can be charged to you. The overlap is exactly where unpleasant surprises occur.
Tenants: contents and liability
The landlord’s insurance covers neither your belongings nor your liability if damage starts in your unit. That liability can far exceed the value of what you own, and it is often the most important part of the contract.
Auto: chapters A and B
Civil liability is mandatory in Quebec. Damage to your own vehicle is optional and comes as distinct coverages with their own deductibles. Bodily injury falls under the public SAAQ regime, not your insurer.
Your claims history follows you
Claims are recorded in a file insurers consult. Claiming a small amount can cost more in premiums over several years than it pays. A broker helps you weigh that before you report.
What changes at renewal
A premium rising with no claim reflects the market, the sector, or a reassessment of the building. Renewal is the moment to compare, and it comes every year: regular review beats reacting after an increase.
Why no price is shown here
A premium depends on the building, its age, the sector, the claims history, and the coverage chosen. A figure shown without those would be misleading.
What happens after you submit
A damage insurance broker calls you back and compares coverage before premiums: deductible, exclusions, replacement cost. They will tell you which details about the building or vehicle are needed to produce real figures.
Frequently asked questions
Can I get a price here?
No. No price is displayed or calculated on this site. A damage insurance broker calls you back, compares coverage, and presents real options.
Is home insurance mandatory in Quebec?
Not by law, but a mortgage lender is entitled to require it, and a landlord may require it of a tenant in the lease. In practice, nearly everyone is covered by one of those.
What is the difference between replacement cost and actual cash value?
The first replaces an item with a new equivalent; the second accounts for depreciation. The gap can be considerable on a roof or an appliance, and this option is chosen in the contract.
Is water damage covered?
It depends on its source. Sewer backup, infiltration, a body of water overflowing, and appliance failure are distinct coverages, several of them optional. Check which ones your contract includes.
I rent: do I really need insurance?
The landlord’s insurance covers neither your belongings nor your liability if damage starts in your unit. That liability can far exceed the value of what you own.
In a condominium, what does the syndicate’s insurance cover?
The building, per the declaration of co-ownership. Your contract covers your improvements, your belongings, and your liability, including the syndicate’s deductible, which can be charged to you.
Does claiming raise my premium?
A claim is recorded and can influence the premium at renewal. For a small amount, the cost over several years can exceed the payout. A broker helps you weigh that.
Why is my premium rising with no claim?
The market, the sector, the building’s age, and a reassessment of rebuilding cost all play a part. Renewal is the moment to compare, and it comes every year.
Does my insurer cover bodily injury in a car accident?
No. In Quebec, bodily injury falls under the public SAAQ regime. Your private contract covers civil liability for property damage and, optionally, your own vehicle.