Which home insurance company or direct insurer should you choose in Quebec for your home?

 Are you a homeowner, co-owner, or renter in Quebec City looking for affordable home insurance? We can help you find the best insurance deals that suit your budget.

Your home is your biggest and most valuable asset. Of course, you want to get home insurance that provides adequate protection against risks for damage and loss. It is important to get the right insurance coverage that gives you the best protection at the best price.

 

How to compare Insurance Companies or Direct Insurers

Your insurance broker is an intermediary connected with reputable insurance companies whereas an insurance agent works exclusively for one insurance company.

Our network of partners includes insurance brokers and insurance companies who all want to make sure that you get access to the right insurance product that meets your needs.

When choosing an insurance broker, check that he/she has:

Valid certificate from the Autorité des marchés financiers (AMF)

  • Listens to your questions and assesses your needs correctly
  • Offers insurance products that are adequate and suited to your needs and your budget
  • Gains your trust and confidence

When choosing a direct insurer, check on reputation and customer service feedback. It is smart to work with an insurance company that inspires confidence that your best interests are protected.

 

Types of insurance solutions offered in Quebec City

There are several types of insurance available in Quebec and without the necessary information, you could be buying an insurance that does not cover your risks or is too expensive.

You can look for the right insurance to give you protection from all risks from our partner insurers.

Home Insurance

  • Basic Home Insurance Protection

Basic home insurance protects things that are valuable to you – your home, attached and detached structures such as shed, and garage.  It also covers personal belongings on your property.  Your insurance can include theft, fire, vandalism and coverage for civil liability caused by damage to another person or property.

Basic insurance is ideal for individuals who are satisfied with ordinary or normal coverage. You can also get help with living expenses in case your home becomes unfit for occupancy due to a claim.

With this type of coverage, perils are named in your policy and you shoulder some of the risks. Some policies cover only fire and lightning while others cover open perils except for earthquakes and floods.

  • All Risks Home Insurance Protection

This comprehensive insurance coverage offers protection for fire, theft, vandalism, and other perils but also have exclusions such as water infiltration, progressive water damage, and normal wear and tear.

  • Specified Risks or Adapted Insurance

This type of insurance provides protection to suit your specific needs.  You can get cover for sewer back-up, swimming pools and spas, and earthquakes.

  • Extended Formula Insurance

This type of coverage combines specified risks to all risks protection for your home.

  • Vacant or unoccupied building in Quebec City

If you are going on an extended trip, or moving somewhere else, your current home must still be insured.  You can get protection just for the building and exclude personal property it there is none.

  • Liability in Quebec City

Home insurance also provides coverage for civil liability. This offers you protection in case someone gets injured on your property.

You can choose the right type of insurance for adequate protection for your property. It can also save you money and aggravation.

 

Life Insurance

Life insurance coverage is important especially if you have loved ones who depend on you for financial support.

Our partner insurers offer temporary life insurance for short term insurance needs. This type of life insurance is the most affordable and is suitable for most consumers.

For individuals who need lifetime cover, you can choose from whole life insurance or universal life insurance, depending on your needs.

We can help you save money from premiums with our free life insurance quotes from leading Canadian insurers. You can save more money if you buy your home and life insurance policies under one insurer.

 

Auto Insurance

If you use a vehicle for work or leisure, you will need adequate auto insurance.

Our partner insurers provide the most innovative auto insurance including motorcycle insurance and RV insurance (recreational vehicle).

Whether you drive a truck, an SUV, or a car, it is quite simple to get car insurance in Quebec that suits your needs and budget. Choose from basic coverage or additional options for wider protection for your automobile insurance needs.

We can get you the most affordable auto insurance quotes in just one short form – it takes only 5 minutes to let us know what you need.

 

Understanding your level of coverage- Check your policy limitations

Regardless who your insurer is, your insurance policy will have policy limitations.

For example, for life insurance, you can choose your face amount starting from $50,000, $100,000, $250,000, $500,000 or $1 Million. Further, your coverage may be for a limited time, in case of temporary or term-life insurance (5 years, 10 years, 20 years) unless you obtain whole life or universal life insurance.

For home insurance, some items under a condo, home, or tenant insurance may vary.

Personal property such as computers or television are covered under your insurance policy but up to a certain limit.  Specific limits are also indicated for art and jewelry. It is important to assess the right value of your property and to ensure your insurance limits are adequate.

Replacement value coverage also means that the contents of your home are insured for the actual cost of replacing them.  If you replace the items with an item of similar quality, within a specified time, the insurer will reimburse you the full replacement cost you to replace the item rather than the depreciated value.

Some insurers include this automatically while others offer it as an option to be added to your policy.

Basic property insurance does not automatically cover earthquake damage. If you reside in Southern Quebec, you may want to consider this option.

 

 

Our Partner Insurers Got You Covered Anywhere in Quebec

No matter where you are in Quebec, our partner insurers got you covered. For home insurance, auto insurance, or life insurance needs, we can provide you with the most reasonable quotes for best coverage.

Our partners provide the best insurance products to the following areas in Quebec City:

La Cite-Limoilou Les Rivieres
Sainte-Foy–Sillery–Cap-Rouge Charlesbourg
Beauport La Haute-Saint-Charles

We would love to hear from you. Fill-out our online request form and we will be happy to get the best insurance quotes for you.