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Need to insure your house or cottage? Our comparison generator will find you the best offers with just a click.
To help you choose, consider the following topics:
There are several rules on home insurance. Here are the ones that are of interest you:
Besides yourself, home insurance covers:
Insurers’ offers for homeowners and tenants are divided into two categories:
The home insurance premium is what you pay to the insurer. The amount of premium you get after a home insurance quote depends on:
It is important to know the content of different policies to find comparative advantages in premiums, deductibles, and protections.
The home insurance policy guarantee first concerns civil liability, and then the property of the insured person:
Your civil liability is incurred when:
This considers the damage done to others for which repairs may be required, not protection against personal injury.
This coverage concerns mobile and immobile property. After precise identification, items include household appliances, furniture, clothes, electronic gadgets, objects of collections, etc.
Real estate includes your home and its outbuildings – detached garage, shed, etc.
The home insurance guarantee covers:
In all contracts, you should expect exclusions. To find the insurance policy that suits you best, you must have the choice of several offers.
What you need to know is that competition is tough between insurers. It is important to look for the services of a comparison generator for more information before becoming a customer of an insurance company. Before applying for a home insurance quote, you should:
Depending on your needs, whether you have experience or not, our comparison calculator allows you, as a broker, to take several steps in one and go through a poster page for all items in just a few clicks! You save a lot of time and focus only on the best deals.
Members of unions, occupational groups, or university graduates may receive a lower premium from some insurers. Get several home insurance quotes with our comparison generator.
REMEMBER: if you buy auto insurance from the same insurer, report it to get a discount, a lower premium on the same products.
The following steps are simple but important:
The valuation of your property allows you to determine the amount of insurance required for your home. The main thing is to indicate the approximate purchase price of each item, piece by piece. Your address and area of residence can be analytical tools.
In the event of a claim, home insurance contracts offer compensation depending on:
Our specialists and partners will help you to do this evaluation online. You will be able to see all the necessary points.
Remember to inform yourself and get advice on the cost of reconstruction options with no deduction of funds for depreciation. In fact, some insurers offer it as an endorsement in their contract.
Rent your home or buy a condo, an office at home, or a cottage in the city or on new property in the area: any scenarios that will result from each different insurance policy. Know the limitations of the contracts: their costs vary from one insurer to another.
This exercise mainly concerns the amount of liability. Your choice will depend on your needs. In general, it ranges from $1 to $5 million or more in Quebec.