Types of coverage and options

Multiple coverages tailored to your situation.

Civil liability

Third party liability coverage follows you step by step and protects you in case of accidental damage to other people or their property. Third party liability coverage follows you step by step and protects you in case of accidental damage to other people.

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 options

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.