Homeowners Insurance | AMR Assurances Multi-Risques

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Homeowners insurance is for anyone who wants to ensure they are protected in the event of fire, theft, vandalism, water damage, and any other mishaps that life may bring and that a home insurance policy can cover!

Since some circumstances are difficult to predict, our team of independent brokers will be sure to offer you the coverage that best suits your home. At AMR, we know that every household is different, and that’s reflected in the personalized service we offer you!

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Types of coverage and options

Multiple coverages tailored to your situation.

Civil liability

Civil liability coverage follows you wherever you go and protects you in the event of unintentional damage caused to others. We recommend that you increase your civil liability coverage if you are staying outside Quebec and Canada.
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.
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
In between

Did you know that it is possible to combine the two suggested plans? You could opt for all risk on the building and designated risk on the contents of the building!
Floater insurance

This coverage allows you to insure certain items that have a higher value, be it sentimental or monetary. You can be sure that your valuable sports equipment or your new plasma TV will be well protected!
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

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.
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.
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.
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.
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.
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.

High-end home insurance for prestigious residences

Do you own a high-value residence and want to be properly insured? Home insurance generally has several limitations, and that is why we can offer you a solution and insurance products that are tailored to your needs to better protect your assets.

We are committed to providing you with personalized prestige home insurance, fast service and preferential treatment in the event of a claim.

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Answers to your questions

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Tips and advices

Frequent insurance claims due to water damage: What are the consequences?
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.

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