Home insurance

Owner

Do you own a house, semi-detached house or row house? Homeowners insurance protects your building and its contents.

Prestigious residences

Do you have an expansive condo with a river view, a unique designer home or any other type of prestigious residence? A luxury home deserves the best possible coverage!

Co-Owner

Whether you are a co-owner of a divided or undivided condo, co-owner's insurance protects your property, your leasehold improvements, the common areas and the building.

Non-occupant owner

Do you own a building with fewer than 6 units or do you want to rent out one of your properties on a short-term basis? Non-occupant owner insurance protects your building, but not its contents.

Tenant

Are you renting an apartment or a room? Tenant insurance protects your property and covers your liability in case of physical damage to the building or to others.

Secondary residence and seasonal residence

Do you own a second home that you occupy occasionally or for an entire season? Secondary and seasonal residence insurance protects the building, its contents and your permanent fixtures.

Boat

Insurance is as important on land as it is at sea! Be sure to properly protect your fishing boat, pontoon, personal watercraft, sailboat or other pleasure boat.

Non-payment of the insurance premium, a new life partner with a criminal record, frequent claims, a recommendation not made after an insurance company inspection, a new creditor on your home with a high interest rate

Why should you choose AMR Assurance Multi-Risques?

Because our team of independent insurance brokers isn't trying to sell you insurance, but to advise you so that you can get the right coverage for you!

Our team members are experts who care about your well-being and your peace of mind. With AMR, you get the best of both worlds: insurance expertise AND good advice from independent brokers who understand your needs.

Don't wait another minute!

Answers to your questions

Can my insurer terminate my home insurance policy if I file too many claims?

If you file too many claims in a short period of time, your insurer may terminate your 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 cases, an insurer does not have the right to charge you a penalty and must reimburse you for any overpayment of premiums.

How do I report a loss to my insurer and make a claim?

In the event of a loss, you should contact your AMR broker right away; they will take care of all communications and procedures with your insurance company. To this end, you will need to provide your broker with:

All the details of the accident or incident, including the date and time, location, circumstances, information about the people involved and any damage the loss may have caused.
The names and contact information of any witnesses if applicable.
Photos or videos if you have them. You will then need to follow your insurance company’s instructions, given through your broker, for damage assessment, repairs and reimbursements. It will also be important to keep track of all documents and communications related to your claim.

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.

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.

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.