Home insurance
Home insurance that keeps you dry
Home insurance protects your home and personal belongings against various risks, such as fire, theft, vandalism, or other disasters. It covers property damage and injuries caused to others, thus saving you considerable expense.
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
At AMR, we make sure to protect what matters to you. Whether you are a homeowner, tenant, or co-owner, it is crucial to choose the right coverage to ensure your peace of mind. Discover the options available to you and find the home insurance policy that best suits your needs.
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Homeowners Insurance
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
Insurance
Did you know that there is a type of “high-end” home insurance on the market that offers optimal protection for luxury residences? A prestige home deserves the best possible coverage!
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Co-Owner Insurance
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
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
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
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
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?
Do you have a criminal record? Have you failed to declare personal bankruptcy? Does your insurer no longer want to insure you because your situation has changed? Have you made too many claims and your insurer has terminated your contract?
These are just a few examples of situations we deal with. As independent insurance brokers, we are in the best position to help you if you are having difficulty obtaining insurance. We are equipped to defend your interests and find a solution tailored to your situation. Trust our experts to help you find insurance!
Answers to your questions
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Is home insurance mandatory?
In Quebec, home insurance is not mandatory, unless it is required by a financial institution in the case of a mortgage loan.
However, home insurance is strongly recommended to protect you financially in the event of fire, theft, or water damage, for example. To deal with any eventuality, it is always better to protect yourself against all risks!
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What documents are required to take out home insurance?
Here are the documents and information you may need to provide to take out home insurance:
- Proof of residence, such as a title deed, lease, or water, electricity, or gas bill.
- Information about the building, including its date of construction, size, structure, any renovations carried out, and its general condition.
- Information about the building’s equipment and facilities, such as the heating system, plumbing, electricity, alarm, and security.
- Information about the contents of your home (furniture, appliances, clothing, jewelry, and other valuables).
- Your history of previous claims, if any.
- The names and ages of the people living in the same household and their relationship to you.
- Your name, address, and phone number.
The documents required to purchase home insurance may vary depending on the insurance company. Your broker will guide you through this process. Your broker can guide you through the process.
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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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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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Insurance and Criminal Records: How To Avoid Being Refused
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Prestige home insurance and luxury goods
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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!
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.