Take advantage of coverage designed specifically for your condo

Condominium owners should know that condo insurance is divided into two parts:

  • The building must be insured jointly by all unit owners (see the Business - Condominiums) section;
  • Personal property must be covered under a separate policy.

Three additional yet essential types of coverage are included in owner-occupant insurance: improvements, immovable areas, and allocation for common areas.

Civil liability insurance also protects you in the event of a lawsuit for bodily injury or material damages, whether or not you are responsible.

Contact us for other coverage. Our home insurance representatives can help you according to your needs.

Find an insurer, regardless of your history

We deal with specialized insurers who offer products with the potential to meet your insurance needs. Contact us and together we’ll find solutions that are right for you.

Take advantage of discounts

There are several ways you can lower your premium:

  • Group your home and auto insurance together
  • Increase your deductible
  • Tell us what you do for a living; some professions are eligible for discounts
  • Make your home smoke-free
  • Install a fire and theft alarm system in your home

Did you know?

You could save money by reassessing your need for specific insurance. Make sure your specified perils coverage isn’t more than you need. Over time, some of your belongings may have depreciated in value. If this is the case, you may no longer need specific coverage for these items.

FAQ

I’m installing a heating system that uses wood, wood pellets, etc. in my home/shed/garage. Am I required to notify my insurance representative?

Yes, since information will be needed and changes will have to be made to your insurance policy. The insurer will inspect the heating system to make sure it is safe and compliant.

I work at home (daycare owner, dressmaker, home office worker, etc.). Am I required to advise my insurance representative?

Yes, since you work from home (professional activities), certain exclusions and/or restrictions will apply to your insurance coverage. Additional information will be needed to ensure your property is properly protected and that you have the appropriate civil liability coverage.

I do volunteer work for a non-profit organization. Am I covered in the event of a lawsuit?

No, not by your home insurance policy. However, you can obtain coverage through umbrella liability insurance.

What happens if I fail to notify my representative of a change?

It is important to notify your insurance representative of any change (e.g., change in use, major renovations, addition of a wood-burning stove) to ensure you have adequate coverage. If you omit information or make a false statement, your insurer could cancel your insurance policy or refuse your claim.