Non-occupant owner
Are you renting your condo or your house? Make sure you protect what’s yours.
Our team of independent insurance brokers understands the reality of real estate investors like you. Whether you are looking for information on the necessary insurance for short-term home rentals or for your income properties, our team takes care of finding the best protections so that your investments are not at risk!
Types of coverage and options
Multiple coverages tailored to your situation.
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All risk coverage (extended coverage)
The name says it all! risk (extended) coverage includes everything except the exclusions listed in your contract. With this plan, third party liability coverage follows you step by step and protects you in case of accidental damage to other people or their property. As independent brokers, we make sure you get the most coverage at the best value. f you want to select the risks for which you would like to insure your home, the designated risk plan is more appropriate.
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Designated risk plan
This type of coverage allows you to select the risks you want to be protected against. This means you will only be insured for the risks listed in your insurance contract. Usually, the most common risks are covered: fire, theft, vandalism, windstorm damage, hail, smoke, etc. With this plan, third party liability coverage follows you step by step and protects you in case of accidental damage to other people or their property.
**Only risks listed in the contract
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Rental income
This protection covers your loss of rental income if a disaster occurs in the building, house or condo that you rent out.
Other option
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Groundwater, sewer backup and overflowing waterways
Protect yourself from overflowing waterways, groundwater seepage through your foundation and potential cracks, as well as sewer leaks, overflows and backups.
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Above-ground water
This protection covers you in case of damage caused by water infiltration through the roof, doors or windows above the foundation. This protection also covers overflowing gutters or downspouts.
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Earthquake
Since earth movements are not included in standard insurance policies, you will not be covered if an earthquake damages your home. This coverage will insure you against avalanches, landslides, mudslides and subsidence.
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Storage insurance
This additional coverage ensures that you won’t get stuck with stored goods that are no longer insured after a certain period of time This way, you can be sure that you won’t have any unpleasant surprises during a move, for example.
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Umbrella insurance
This is extra insurance that you can add to your liability insurance, both for your home and car insurance. Umbrella insurance is used to cover any possible “gaps” in your liability insurance policy. This additional coverage is highly recommended for people who travel a lot. It extends the liability limit and protects financial assets no matter where you are in the world.
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Legal assistance
Legal insurance allows you to benefit from financial assistance so you can quickly access legal services from the lawyer of your choice. With the goal of offering you peace of mind, this additional coverage will ensure that your fees are covered.
Answers to your questions
Tips and advices
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.