The top 10 most frequently asked questions about home insurance in Quebec
Maybe you want to buy home insurance, or maybe you already have one. Either way, you might be wondering about home insurance.
So what are the most frequently asked questions about home insurance?
In this article, we've tried to answer the questions most of you have when purchasing home insurance in Quebec. We hope that the answers provided will be useful to you.
Summary
1. What does home insurance cover in Quebec?
2. How much for my belongings should I put in my home insurance contract?
3. How can I save on my home insurance premium?
4. I work at home: is my professional activity covered by home insurance?
5. Why do I have to regularly update my insurance contract?
6. What is a home insurance deductible?
7. Can my roommate and I be covered by the same home insurance policy?
8. Who is held responsible if there is water damage in my apartment?
9. I have a garage that is not attached to the house. Is it covered by my home insurance?
10. I have just moved in with my partner. Are my goods and furniture covered by his home insurance?
1. What does home insurance cover in Quebec?
In Quebec, basic home insurance initially includes civil liability protection. This protects you in the event that you are held liable for damage caused unintentionally to a third party.
In addition, home insurance is intended to cover your movable assets and your property, for risks mentioned in your insurance policy, such as:
Fire
Theft and damage
Falling objects
The shock of land vehicles
Hail or storms ...
There are also so-called “all risk” contracts which have much more extensive coverage.
According to the contracts and according to the insurers, the guarantees may vary. Therefore, when purchasing home insurance, it is important to talk to your representative about what is included and what is not and to read your policy carefully.
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2. How much for my belongings should I put in my home insurance contract?
In Quebec, insurers include in the housing contract a maximum amount of protection, which constitutes your reimbursement limit in the event of a claim on your movable property. Obviously, the higher this amount, the more expensive the price of home insurance. To be on the safe side, you should therefore take out an amount sufficient to protect all of your property, in particular by assessing the value of:
your clothes
your furniture
your electronic equipment (such as household appliances for example)
your computers and televisions
your valuables (jewelry, collections, etc.)
Please note, most policyholders tend to underestimate the value of their property. We recommend that you take an inventory of your personal belongings. This is the best way to calculate the total value of your possessions!
3. How can I save on my home insurance premium?
If you find your home insurance premium too high, here are some tips that may help you lower it without lowering your coverage:
Don't hesitate to shop around for available home insurance prices to see what different insurers can offer you
Bundle your auto and home insurance with the same insurer to get discounts
Increase your deductible, but make sure you can still pay it in the event of a claim
Install an alarm system connected to a central, which will reduce the risk of intrusion into your home.
If you are in doubt about the price of your home insurance and think you could find a cheaper price, use our online form to shop for a variety of insurance policies and take advantage of quotes from our partner brokers.
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4. I work at home: is my professional activity covered by home insurance?
For a typical home insurance policy, the answer is no. If you work from home on your own
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