Homeowners Insurance
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!
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
Civil liability protection covers you in the event of unintentional damage caused to other people or their property. It is essential coverage included in standard insurance policies, protecting you in particular in the event of civil law proceedings. It also covers all family members living under your roof and even extends beyond the walls of your home.
Your civil liability insurance amount is proof of your solvency. Don’t hesitate to ask your broker questions to ensure that your coverage amount is sufficient to protect your financial assets.
We recommend that you increase your civil liability insurance amount if you are staying outside Quebec and Canada to ensure that you have adequate protection when you are abroad.
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All risk coverage
The name says it all! All risk coverage (extended coverage) covers everything except the exclusions mentioned in your contract. In addition to civil liability, it protects you against most risks and unforeseeable incidents, especially those you don’t think about!
This package is highly recommended for optimal protection of your assets. As independent insurance brokers, we make sure to offer you maximum coverage to avoid unpleasant surprises when you file a claim.
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Designated risk plan
This type of coverage allows you to select the risks against which you want to be protected. You will therefore only be insured for the risks mentioned in your insurance policy. Usually, the most common risks are covered: fire, theft, vandalism, damage caused by windstorms, hail, smoke, etc.
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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!
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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!
Other option
Enhance your insurance with these add-ons to your policy that offer you even more protection, for optimal coverage that can handle any situation. These protections are not always included in standard packages, so it’s best to check and make sure they are included in your contract!
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Earthquake
The risk of earthquakes is often considered minimal, yet they occur almost daily in Quebec. Despite popular belief, this protection should not be overlooked. This protection will insure your home against damage caused by earthquakes, as well as avalanches, rockslides, subsidence, and landslides.
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Groundwater, sewer backup and overflowing waterways
Protect yourself in the event of flooding, groundwater infiltration, leaks, overflow, or accidental sewer backups. Some insurers limit insurance amounts or refuse to cover high-risk areas, so check with your broker!
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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. It also covers overflow from gutters or downspouts.
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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 excess insurance that you can add to your liability insurance, both for your home insurance and your auto insurance. Umbrella insurance is used to cover any “gaps” that may exist in your liability insurance policy. This additional protection is highly recommended for people who travel a lot. The coverage limit is then extended and your financial assets are protected, 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.
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.
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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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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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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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?
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Luxury Home Insurance: Is This the Coverage You Need?
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?
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often occur when you least expect them. AMR Assurances Multi-Risques guides you step by step to help relieve all your worries.