Secondary or seasonal residence Insurance
For this type of coverage, your insurance premium is determined based on several factors: the location of your second home, the amount of time spent there, the type of heating used, the type of access, etc. As we know, owning a home is already very demanding. Owning a second home obviously requires even more… time!
At AMR, our goal is to save you time and money so that you can truly enjoy your second home or vacation rental without any worries other than deciding whether to go paddle boating or windsurfing.
Insuring a secondary or seasonal residence is quite different from insuring your main home, especially when you don’t live there often. Risk factors can vary greatly from one location to another, so make sure you’re fully protected!
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!
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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
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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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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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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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.
Answers to your questions
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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 documents are required to take out homeowners insurance?
Here are the documents and information you may be asked to provide to purchase a home insurance policy:
- Proof of ownership, such as a title deed, or utility bill (water, electricity, or gas).
- Information about the building, including its date of construction, size, structure, and general condition.
- Information about the building’s equipment and facilities, such as the heating system, plumbing, electricity, alarm, and security.
- Information about the contents of your home (furniture, appliances, clothing, jewelry, and other valuables).
- Your history of previous claims, if any.
- The names and ages of the people living in your home and the nature of their relationship to you.
- Your name, address, and phone number.
The documents required to take out home insurance may vary depending on the insurance company. Your broker can guide you through the process.
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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.
Tips and advices
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Small Homes, Lots of Possibilities—Provided They’re Properly Insured!
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Home insurance and water heaters
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All you need to know about renting your house on Airbnb and home insurance
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Does your Credit Score Affect your Insurance Premiums?
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Choosing the right insurance policy for your new self-build
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Home insurance and criminal record
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
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