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!