ECONOMICAL
SIMPLE
What is home insurance?
The purchase of home insurance by a broker is generally due to the need to protect their assets and property. That said, it should be noted that this product includes several elements, including homeowners insurance, tenants insurance and co-owners insurance .
It is essential to take advantage of the advice of a home insurance broker to benefit from optimal coverage and the best home insurance conditions. The use of such an expert allows you to better assimilate the coverage offered and to be able to take out the relevant insurance with full knowledge of the facts. This is very important, especially since each insurer offers a variety of contracts, each with its strengths and weaknesses. With the help of an insurance broker, it would be possible to make the final decision after weighing the pros and cons.
Properly insure your home?
Shopping may seem like a tedious task, but it’s essential to properly insuring your home. Thanks to experienced specialists, customers can benefit from a comprehensive and simplified service. Indeed, professionals help their customers by guiding them in the purchase of the best home insurance policy. This is an important decision to take advantage of adequate protection against the various damages associated with the various claims and which are covered in part or in full.
Which contract should be taken out by an insurance broker?
Different home insurance policies are available that adapt to the needs of owners, tenants and co-owners. Some contracts offer extended “all-risk” protection, while others offer guarantees covering specific risks and specific property.
The extended formula: this insurance contract called “all risks” covers both residential buildings and movable property, except for the exclusions in the insurance contract.
This protection guarantees more comprehensive coverage. This is the reason why the broker offers it to his clients when the insurance company allows it. He can then submit them with appropriate guarantees at the best price. This contract has many advantages, given that the insurance is more extensive. Thus, if the house is plagued by a skunk, the insured will be compensated by the insurance company. That said, it would always be wise to consult an insurance broker to find out what coverage and protection is offered, as well as any specific limitations that may exist.
Named risks insurance: unlike the previous contract, this one only covers the risks mentioned in its clauses. These include claims such as fire, theft, vandalism, windstorms, hail, smoke and falling objects.
However, it would be possible to opt for the extended building and designated perils formula. This choice is more affordable, but with less extensive guarantees and less significant specific limitations.
Civil liability insurance: this guarantee remains unknown to people, but it is essential because it protects the insured in the event that his or her liability is engaged. For example, if one of the guests is injured in the insured’s home. It would even be possible to take out excess liability insurance or a so-called umbrella contract. Home Insurance Broker
How to protect your home and personal belongings?
If you’re looking for the best home and contents insurance, you need look no further than Assur360. We offer the best home and content insurance because we are one of the largest independent insurance brokers. This means that we work with a large number of home and contents insurance providers, allowing you to compete and have multiple home and contents insurance quotes to choose from.
We’ve been the trusted home and contents insurance broker since 2014. We offer unparalleled customer service and our insurance brokers are knowledgeable, experienced, and strive to find you the best home insurance and content possible.
Do you want a home insurance quote and content ? Request a quote online, by phone or in person.
Home insurance protects your most valuable asset, your home, and all your personal belongings. Whether you’ve purchased a new home or are looking for home insurance quotes for an existing home, Assur360 can be your trusted home insurance broker .
Why Assur360?
We have been helping Quebecers purchase their home insurance for several years. Our home insurance brokers are experienced, knowledgeable, and have a hands-on, customer-focused approach to insurance.
What is the price of home insurance?
The price of home or home insurance can vary depending on several factors such as the location of the property, its size, the type of coverage needed, and even your claims history. To get an accurate estimate, it would be best to contact an insurance broker directly or use our online tools to get personalized quotes.
We are truly independent and we work with many of the best insurance companies. This gives you competition and choice for your quotes and protection.
FAQ
Quelle est la différence entre un courtier et un agent d’assurancE ?
An agent represents a specific insurance company, while a broker works with multiple companies to offer more options.
Combien coûte les services d’un courtier en assurance habitation?
Brokers are usually compensated by insurance companies via commissions, so their services are often at no additional cost to the client.
Le courtier peut-il vraiment obtenir de meilleurs tarifs?
With access to multiple offerings and knowledge of the market, brokers often have the ability to find more competitive rates than a client could get on their own.
C’est quoi un courtier en assurance de dommages ?
A damage insurance broker is an independent professional who acts as an intermediary between consumers and residential insurance companies. His role is to advise his clients on the best insurance options according to their needs, by analysing and comparing the offers of different companies. Unlike insurance agents, who represent a specific company, home brokers work with multiple insurers to offer a wider range of insurance products. They provide personalized advice and help their clients understand the different coverages available, in order to choose the best insurance for their belongings (such as homes, cars, and businesses).
