Home insurance
Home insurance that keeps you dry
Home insurance is for everyone who wants to make sure they are protected in case of fire, theft, vandalism, water damage, etc. At AMR, whether you’re a homeowner or not, we make sure to protect your property by finding the coverage that is most appropriate for your situation.
Whether you have a house, a condo, a cottage or even an apartment, it is important to be prepared in case of an incident. AMR adjusts to your home to simplify and improve your comfort.
The different types of home insurance
Home insurance protects your home and your belongings against various risks. Whether you are a homeowner, tenant, or co-owner, it is crucial to choose the right coverage to ensure your peace of mind. Explore your options and find the home insurance policy that best suits your needs and circumstances.
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Owner
Insurance
Do you own a house, semi-detached house or row house? Homeowners insurance protects your building and its contents.
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Luxury Home
Insurance
Do you own a spacious condo with a view of the river, a unique architect-designed house, or any other prestigious property? A luxury home deserves the best possible coverage!
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Co-Owner
Insurance
Co-owner insurance protects your property, rental improvements, common areas, and the real estate portions of your condo.
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Non-occupant owner
Insurance
Non-occupant owner insurance takes care of insuring the buildings you own, but in which you do not live! Do you own a duplex or a triplex?
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Tenant
Insurance
Are you renting an apartment or a room? Renters insurance protects your belongings and covers your liability in the event of damage to the building or to others.
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Secondary or seasonal residence
Insurance
Do you own a second home that you occupy occasionally? Secondary or seasonal home insurance protects the building, its contents, and your permanent fixtures.
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Boat
Insurance
Insurance is as important on land as it is at sea! Be sure to properly protect your fishing boat, pontoon boat, personal watercraft, sailboat, or other recreational boat.
Having trouble getting insurance?
Did you fail to disclose your criminal record to your insurer? Did you neglect to declare your personal bankruptcy? Did you miss your insurance premium payments and your insurer cancelled your contract?
These are just a few examples of the types of situations that we handle. s independent insurance brokers, we are in the best position to help you if you encounter these types of issues.
Answers to your questions
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Can my insurer terminate my home insurance policy if I make too many claims?
If you make a number of claims that your insurer considers excessive within a short period of time, they may terminate your insurance policy. However, the insurer must send you a written notice and the cancellation will take effect 15 days after you receive the notice. In such a case, an insurer is not entitled to charge you a penalty and must refund any excess premiums you may have paid.
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How do I report a claim to my insurer and file a claim?
In the event of a claim, you must contact your AMR broker promptly, who will handle communications and procedures with your insurance company. To do so, you will need to provide your broker with:
- All information about the accident or incident, including the date and time, location, circumstances, details about the people involved, and any damage that may have been caused by the incident;
- The names and contact details of witnesses, if applicable;
- Photos or videos if you have any;
- You will then need to follow the instructions provided by your insurance company, through your broker, for damage assessment, repairs, and reimbursements. It is also important to keep a record of all documents and communications related to your claim.
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Is home insurance mandatory?
In Quebec, home insurance is mandatory for tenants and co-owners. In addition, the Quebec act on damage insurance requires all tenants and co-owners to carry liability insurance to cover damages caused to others.
Owners of single-family homes are not required by law to carry home insurance. However, it is highly recommended to be financially protected in case of fire, water damage and theft.
In the case of a mortgage loan, the lending bank may require the borrower to purchase home insurance as a condition of the loan.
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Can I cancel my home insurance at any time?
In Quebec, it is possible to cancel your home insurance contract at any time, subject to the specific terms of your insurance contract. Some contracts require 30 days’ notice before the desired cancellation date, while others allow the cancellation to take effect immediately.
To cancel your insurance contract, you can contact your AMR insurance broker, who will take care of the procedures with your current insurance company. You may also be required to pay a cancellation fee or penalty if it is specified in your policy.
Tips and advices
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Small Homes, Lots of Possibilities—Provided They’re Properly Insured!
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Home insurance and water heaters
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Insurance: there are last resort solutions!
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It’s hard to say for sure, but why!
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You have boarders? Contact your insurance broker.
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Home insurance and your private day care business: Are you well insured?
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
We speak your language
Water, fire, smoke or vandalism damage?
don’t panic!
We’re here to help
often occur when you least expect them. AMR Assurances Multi-Risques guides you step by step to help relieve all your worries.