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 it worth combining car and home insurance?
Yes, it is generally worth combining your car and home insurance. Many insurers offer substantial discounts if you take out both policies with them. This also makes it easier to manage your policies and simplifies the claims process if an incident causes damage to both your car and your home.
However, this is not necessarily always the case. Certain specific situations – for example, insuring a century-old house or if you have a poor driving record – may mean that it is more cost-effective to take out specialist insurance rather than pay a higher premium with a standard insurer.
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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 does home insurance cover?
Home insurance protects your home and personal property against various risks. This generally includes:
- theft;
- vandalism ;
- fire ;
- wing ;
- ice;
- hail.
However, there may be several differences from one insurer to another, and it’s important to carefully check what is included and excluded in your insurance policy.
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Is water damage covered by my home insurance?
Not all water damage is covered by your home insurance. Basic coverage generally covers only damage caused by water originating from inside the home. This may include, for example, overflowing plumbing fixtures (washing machine, toilet, water heater, dishwasher, etc.) or a broken water supply line.
Damage caused by a water heater is generally covered by insurance companies, under certain conditions. Your appliance must be no more than 10 or 12 years old and in good working condition.
For floods, sewer backups, and water leaks through the roof, you’ll need to add optional riders to your home insurance policy.
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Are my personal belongings covered outside the home?
Yes, most home insurance policies in Quebec cover your personal property outside the home, including when you’re traveling. However, this coverage is subject to certain conditions and limits. It applies in the event of theft or accidental damage, but rarely covers the simple loss of an item.
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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 loss to my insurer and file a claim?
En cas de sinistre, vous devez contacter rapidement votre assureur ou votre courtier AMR qui prendra en charge les communications et les In the event of a claim, you should contact your insurer or your AMR broker as soon as possible; they will handle all communications and procedures with your insurance company.
To ensure your claim is handled properly and to minimise processing times, your insurer will need detailed information:
- Explain the circumstances of the incident (date, place, time, people involved, etc.);
- Make a list of the damaged or stolen items;
- Gather all relevant documents (photos, receipts, invoices, police report, etc.)
You will then need to follow the instructions provided by your insurance company, via your broker, regarding damage assessment, repairs and reimbursements. It is also important to keep a record of all documents and correspondence relating to your claim.
Tips and advices
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What Are The High-Risk Areas For Insurance in Quebec?
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The Impact of Climate Change on Your Insurance
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How to Make an Insurance Claim Step by Step
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What Is NOT Covered By My Home Insurance?
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Home Insurance and Civil Liability
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Are You Properly Covered for Water Damage?
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.