{"id":14906,"date":"2023-01-24T13:40:23","date_gmt":"2023-01-24T18:40:23","guid":{"rendered":"https:\/\/multi-risques.com\/assurances\/non-occupant-owner\/"},"modified":"2026-02-10T15:35:18","modified_gmt":"2026-02-10T20:35:18","slug":"non-occupant-owner","status":"publish","type":"page","link":"https:\/\/multi-risques.com\/en\/personal\/home\/non-occupant-owner\/","title":{"rendered":"Non-occupant Owner Insurance"},"content":{"rendered":"\n<header class=\"wp-block-cover alignfull is-light has-white-color has-text-color has-link-color wp-elements-701988612d393e1886e1cfa2b51bb7fe\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-1024x512.jpg\" class=\"wp-block-cover__image-background wp-post-image\" alt=\"Propri\u00e9taire Non-occupant - AMR\" data-object-fit=\"cover\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-1024x512.jpg 1024w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-300x150.jpg 300w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-768x384.jpg 768w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-432x216.jpg 432w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-376x188.jpg 376w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-276x138.jpg 276w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant.jpg 1440w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-240x120.jpg 240w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/01\/amr-proprietaire-non-occupant-336x168.jpg 336w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-54099046 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-vert-fonce-background-color has-background has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-8167a653 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--6);margin-bottom:var(--wp--preset--spacing--6);padding-top:var(--wp--preset--spacing--3);padding-right:var(--wp--preset--spacing--3);padding-bottom:var(--wp--preset--spacing--3);padding-left:var(--wp--preset--spacing--3)\"><div class=\"taxonomy-cke_assurances_types is-style-label is-style-label--1 wp-block-post-terms\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/\" rel=\"tag\">Home insurance<\/a><\/div>\n\n<h1 class=\"wp-block-post-title\">Non-occupant Owner Insurance<\/h1>\n\n\n<p class=\"is-style-subtitle is-style-subtitle--2\">Are you renting your condo or your house?   Make sure you protect what&#8217;s yours.<\/p>\n\n\n\n<p>Our team of independent insurance brokers understands the reality of real estate investors like you. Whether you are looking for information on the necessary insurance for short-term home rentals or for your income properties, our team takes care of finding the best protections so that your investments are not at risk! <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/quote\/\">Get a quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/header>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-b17d58ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4);padding-bottom:0\">\n<p class=\"is-style-subtitle is-style-subtitle--3\">As soon as you no longer reside in the building you own, your standard home insurance policy is no longer sufficient. You must take out specific insurance for rental properties, which effectively protects your real estate assets and guarantees your income.<\/p>\n<\/header>\n\n\n\n<section class=\"wp-block-group alignwide query_section has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-7c497a14 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<header class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading is-style-small-mark is-style-small-mark--4\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">Types of <\/mark>coverage and options<\/h2>\n\n\n\n<p class=\"is-style-subtitle is-style-subtitle--5\">Multiple coverages tailored to your situation.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/contact-us\/\">Contact Us<\/a><\/div>\n<\/div>\n<\/header>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-9844 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Civil liability<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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.<\/p>\n\n\n\n<p>Your civil liability insurance amount is proof of your solvency. Don&#8217;t hesitate to ask your broker questions to ensure that your coverage amount is sufficient to protect your financial assets.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/home-insurance-and-civil-liability\/\">Read more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9954 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">All risk coverage<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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&#8217;t think about!<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/all-risk-best-home-insurance-contract\/\">Read more<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-17508 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_types-home cke_assurances_types-personal cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Rented personal property<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>This additional coverage protects the property you leave behind. This includes appliances such as the stove, refrigerator, washer, or dryer. You can also protect carpets and certain furniture included with the apartment.  <\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9955 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-coproprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Designated risk plan<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9957 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Floater insurance<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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!<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9958 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_protections_types-protections\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Rental income<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>This protection covers your loss of rental income if a disaster occurs in the building, house or condo that you rent out.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul><\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide query_section has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:var(--wp--preset--spacing--10)\">\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide has-text-align-left is-style-small-mark is-style-small-mark--6\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">Other <\/mark>option<\/h2>\n\n\n\n<p class=\"is-style-subtitle is-style-subtitle--7\">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&#8217;s best to check and make sure they are included in your contract!<\/p>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-3 wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-746bc461 wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-9996 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_types-home cke_protections_types-autres\">\n\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--8\"><h3 style=\"font-style:normal;font-weight:700;\" class=\"has-link-color wp-elements-2e186c195176da4828f9f695418a1433 wp-block-post-title has-text-color has-jaune-color has-large-font-size\">Groundwater, sewer backup and overflowing waterways<\/h3>\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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!<\/p>\n<\/div><\/article>\n\n<\/li><li class=\"wp-block-post post-9995 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_types-home cke_assurances_types-personal cke_protections_types-autres\">\n\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--9\"><h3 style=\"font-style:normal;font-weight:700;\" class=\"has-link-color wp-elements-2e186c195176da4828f9f695418a1433 wp-block-post-title has-text-color has-jaune-color has-large-font-size\">Above-ground water<\/h3>\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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.<\/p>\n<\/div><\/article>\n\n<\/li><li class=\"wp-block-post post-9994 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_assurances_types-personal cke_protections_types-autres\">\n\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--10\"><h3 style=\"font-style:normal;font-weight:700;\" class=\"has-link-color wp-elements-2e186c195176da4828f9f695418a1433 wp-block-post-title has-text-color has-jaune-color has-large-font-size\">Earthquake<\/h3>\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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.<\/p>\n<\/div><\/article>\n\n<\/li><li class=\"wp-block-post post-9992 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_types-home cke_protections_types-autres\">\n\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--11\"><h3 style=\"font-style:normal;font-weight:700;\" class=\"has-link-color wp-elements-2e186c195176da4828f9f695418a1433 wp-block-post-title has-text-color has-jaune-color has-large-font-size\">Umbrella insurance<\/h3>\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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 \u201cgaps\u201d 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.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/umbrella-insurance-broad-coverage-for-you-and-your-property\/\">Read more<\/a><\/div>\n<\/div>\n<\/div><\/article>\n\n<\/li><li class=\"wp-block-post post-9991 cke_protections type-cke_protections status-publish hentry cke_assurances_tax-auto cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-moto cke_assurances_tax-motoneige cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-de-prestige cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-vehicule-recreatif cke_assurances_types-home cke_assurances_types-vehicle cke_protections_types-autres\">\n\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--12\"><h3 style=\"font-style:normal;font-weight:700;\" class=\"has-link-color wp-elements-2e186c195176da4828f9f695418a1433 wp-block-post-title has-text-color has-jaune-color has-large-font-size\">Legal assistance<\/h3>\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>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.<\/p>\n<\/div><\/article>\n\n<\/li><\/ul><\/section>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide query_section has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-7c497a14 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<header class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading is-style-small-mark is-style-small-mark--13\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">Answers <\/mark>to your questions<\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/frequently-asked-questions\/\">See our FAQ<\/a><\/div>\n<\/div>\n<\/header>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-9906 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_types-home cke_assurances_types-personal cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How long should you keep insurance documents for non-occupant homeowners?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>As a general rule, it is recommended that you keep the following documents for a period of three years:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Insurance contracts;<\/li>\n\n\n\n<li>Polices\u2009;<\/li>\n\n\n\n<li>Insurance premium invoices;<\/li>\n\n\n\n<li>Payment statements;<\/li>\n\n\n\n<li>Notice of maturity;<\/li>\n\n\n\n<li>Renewal documents;<\/li>\n\n\n\n<li>Claims reports;<\/li>\n\n\n\n<li>Receipts for payment of deductibles;<\/li>\n\n\n\n<li>Repair or replacement invoices;<\/li>\n\n\n\n<li>Expert reports and all other correspondence.<\/li>\n<\/ul>\n\n<p>However, some documents, such as those related to major claims, may need to be kept for longer periods of time. Au besoin, votre courtier d\u2019assurance saura vous indiquer la dur\u00e9e de conservation recommand\u00e9e.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9936 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_types-home cke_assurances_types-personal cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is non-occupant owners insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>Although it is strongly recommended in order to protect you financially, non-occupant owners insurance is not required by law.<\/p>\n\n<p>However, if you have a mortgage, the lending bank may require you to purchase home insurance to protect their investment. And if you live in a condominium or subdivision, this type of insurance may be required by applicable rules and regulations.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9942 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-home cke_assurances_types-personal cke_faq_types-home-insurance cke_post_display-page-habitation cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Can I cancel my home insurance at any time?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p>Au Qu\u00e9bec, il est possible de r\u00e9silier votre contrat d\u2019assurance habitation \u00e0 tout moment, et ce, en respectant les conditions sp\u00e9cifiques de votre contrat d\u2019assurance. En effet, certains contrats exigent un pr\u00e9avis de 30 jours avant la date de r\u00e9siliation souhait\u00e9e alors que d\u2019autres font entrer la r\u00e9siliation en vigueur imm\u00e9diatement.<\/p>\n\n<p>Pour r\u00e9silier votre contrat d\u2019assurance, vous pouvez contacter votre courtier d\u2019assurance AMR qui se chargera de faire les d\u00e9marches aupr\u00e8s de votre compagnie d\u2019assurance actuelle. Il est aussi possible que vous deviez vous acquitter de certains frais de r\u00e9siliation ou de p\u00e9nalit\u00e9s si cela est stipul\u00e9 dans votre contrat.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/can-an-insurance-contract-be-terminated\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul><\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull query_section has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:var(--wp--preset--spacing--10)\">\n<header class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--3);margin-bottom:var(--wp--preset--spacing--3)\">\n<h2 class=\"wp-block-heading has-text-align-center is-style-small-mark is-style-small-mark--14\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">Tips <\/mark>and advices<\/h2>\n<\/header>\n\n\n\n<div class=\"wp-block-query alignwide is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-3 wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-746bc461 wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-17679 cke_blogue type-cke_blogue status-publish has-post-thumbnail hentry cke_assurances_tax-coproprietaire cke_assurances_tax-locataire cke_assurances_tax-proprietaire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-particulier cke_assurances_types-home cke_post_display-page-habitation cke_post_display-produit\">\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--15 is-linked\"><a class=\"wp-block-group__link\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/es-tu-bien-couvert-contre-les-degats-deau\/\" target=\"_self\" rel=\"follow\" aria-hidden=\"true\" tabindex=\"-1\">&nbsp;<\/a>\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" width=\"224\" height=\"224\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2020\/10\/amr-degats-eau-224x224-jpg.webp\" class=\"attachment-card-small size-card-small wp-post-image\" alt=\"Homeowners experiencing problems in their home\" style=\"object-fit:cover;\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2020\/10\/amr-degats-eau-224x224-jpg.webp 224w, https:\/\/multi-risques.com\/wp-content\/uploads\/2020\/10\/amr-degats-eau-120x120-jpg.webp 120w, https:\/\/multi-risques.com\/wp-content\/uploads\/2020\/10\/amr-degats-eau-448x448-jpg.webp 448w\" sizes=\"(max-width: min(60rem, 224px)) 100vw, min(60rem, 224px)\" \/><\/figure><\/div>\n\n\n<div class=\"wp-block-post-date has-small-font-size\"><time datetime=\"2026-03-10T12:02:14-04:00\">March 10, 2026<\/time><\/div>\n\n<h3 style=\"font-style:normal;font-weight:700; margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-ad0959739490a8546c414bb3aa19951d wp-block-post-title has-text-color has-white-color has-large-font-size\">Are You Properly Covered for Water Damage?<\/h3><\/article>\n\n<\/li><li class=\"wp-block-post post-17631 cke_blogue type-cke_blogue status-publish has-post-thumbnail hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_types-home cke_assurances_types-personal cke_post_display-page-habitation cke_post_display-page-particulier cke_post_display-produit\">\n<article class=\"wp-block-group is-style-card-small has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3e939421 wp-block-group-is-layout-constrained is-style-card-small--16 is-linked\"><a class=\"wp-block-group__link\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/everything-there-is-to-know-about-non-occupant-homeowner-insurance\/\" target=\"_self\" rel=\"follow\" aria-hidden=\"true\" tabindex=\"-1\">&nbsp;<\/a>\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\"><figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" width=\"224\" height=\"224\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/12\/amr-assurance-proprietaire-non-occupant-224x224-jpg.webp\" class=\"attachment-card-small size-card-small wp-post-image\" alt=\"Facade of a multi-story apartment building\" style=\"object-fit:cover;\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/12\/amr-assurance-proprietaire-non-occupant-224x224-jpg.webp 224w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/12\/amr-assurance-proprietaire-non-occupant-120x120-jpg.webp 120w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/12\/amr-assurance-proprietaire-non-occupant-448x448-jpg.webp 448w\" sizes=\"(max-width: min(60rem, 224px)) 100vw, min(60rem, 224px)\" \/><\/figure><\/div>\n\n\n<div class=\"wp-block-post-date has-small-font-size\"><time datetime=\"2025-12-09T08:30:00-05:00\">December 9, 2025<\/time><\/div>\n\n<h3 style=\"font-style:normal;font-weight:700; margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-ad0959739490a8546c414bb3aa19951d wp-block-post-title has-text-color has-white-color has-large-font-size\">Everything There Is to Know About Non-Occupant Owner Insurance<\/h3><\/article>\n\n<\/li><\/ul><\/div>\n\n\n\n<footer class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--3)\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/\">All our tips and advice<\/a><\/div>\n<\/div>\n<\/footer>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull is-block-gris has-gris-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--6)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-7c497a14 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<header class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-217c325c wp-block-group-is-layout-constrained wp-container-19 is-position-sticky\" style=\"padding-top:var(--wp--preset--spacing--10)\">\n<h2 class=\"wp-block-heading has-text-align-left is-style-small-mark is-style-small-mark--17\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">Why <\/mark> choose us?<\/h2>\n\n\n\n<p class=\"is-style-subtitle has-vert-color has-text-color has-link-color wp-elements-1d52a084d785e8cd19177105af632434 is-style-subtitle--18\">When you choose AMR Assurances Multi-Risques, you\u2019re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p class=\"has-vert-color has-text-color has-link-color has-x-large-font-size wp-elements-ff804ac050bafae5d687fb999a2d776e\" style=\"font-style:normal;font-weight:600\">Don&#8217;t wait any longer!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/about-amr\/why-amr\/\">Discover the power of our brokers<\/a><\/div>\n<\/div>\n<\/header>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--10);flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-d3fb7d05 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--2)\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"769\" sizes=\"(max-width: min(60rem, 800px)) 100vw, min(60rem, 800px)\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion.png\" alt=\"\" class=\"wp-image-10884\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion.png 800w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion-720x692.png 720w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion-768x738.png 768w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion-480x461.png 480w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-passion-240x231.png 240w\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vert-fonce-color has-text-color has-link-color wp-elements-cfccdd838caab229131b5eb486b3f189\">We&#8217;re passionate about insurance<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-d3fb7d05 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--2)\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"769\" sizes=\"(max-width: min(60rem, 800px)) 100vw, min(60rem, 800px)\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer.png\" alt=\"\" class=\"wp-image-10887\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer.png 800w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer-720x692.png 720w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer-768x738.png 768w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer-480x461.png 480w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-comparer-240x231.png 240w\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vert-fonce-color has-text-color has-link-color wp-elements-9d1a51e5ae7cc9c90e835891c60891c6\">We compare the best protections<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-618b4f28 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"769\" sizes=\"(max-width: min(60rem, 800px)) 100vw, min(60rem, 800px)\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage.png\" alt=\"\" class=\"wp-image-10891\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage.png 800w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage-720x692.png 720w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage-768x738.png 768w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage-480x461.png 480w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/amr-langage-240x231.png 240w\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vert-fonce-color has-text-color has-link-color wp-elements-c5268dfa79f16642cfa904bc73f9c5d4\">We speak your language<\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-offset has-vert-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image aligncenter size-full is-resized offset\"><img decoding=\"async\" width=\"225\" height=\"225\" sizes=\"(max-width: min(60rem, 224px)) 100vw, min(60rem, 224px)\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/unnamed-file.png\" alt=\"\" class=\"wp-image-11235\" style=\"width:224px\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/unnamed-file.png 225w, https:\/\/multi-risques.com\/wp-content\/uploads\/2025\/08\/unnamed-file-120x120.png 120w\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-6bea9069 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--6)\">\n<header class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading alignwide has-text-align-center is-style-small-mark has-white-color has-text-color has-link-color wp-elements-72930e3f5b2b13051c60d48febcefeb6 is-style-small-mark--20\">Water, fire, smoke or vandalism damage?<\/h3>\n\n\n\n<h2 class=\"wp-block-heading alignfull has-text-align-center has-vert-fonce-color has-text-color has-link-color has-xxx-large-font-size wp-elements-126dc18df408245281cee0dc11ba4973\" style=\"padding-top:var(--wp--preset--spacing--1-5);padding-bottom:var(--wp--preset--spacing--1);font-style:normal;font-weight:600;line-height:0.9\">don&#8217;t panic!<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">We&#8217;re here to help<\/mark><\/h3>\n<\/header>\n\n\n\n<p class=\"has-text-align-center\" style=\"padding-top:var(--wp--preset--spacing--2)\">often occur when you least expect them. AMR Assurances Multi-Risques guides you step by step to help relieve all your worries.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vert-fonce-color has-text-color has-link-color has-border-color has-vert-fonce-border-color wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/make-a-claim\/\">Make a claim<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"Non-occupant owner insurance takes care of insuring the buildings you own, but in which you do not live! Do you own a duplex or a triplex? ","protected":false},"author":1,"featured_media":9614,"parent":15958,"menu_order":13,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"cke_assurances_tax":[53],"cke_assurances_types":[66],"cke_post_display":[],"class_list":["post-14906","page","type-page","status-publish","has-post-thumbnail","hentry","cke_assurances_tax-proprietaire-non-occuppant","cke_assurances_types-home"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages\/14906","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/comments?post=14906"}],"version-history":[{"count":0,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages\/14906\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages\/15958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/9614"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=14906"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=14906"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=14906"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=14906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}