Home insurance

Simplified home insurance coverage at last!

It's your home and you're comfortable here. Sleep soundly because Assur360 knows how to protect your family and treasured possessions against problems beyond your control. Whether you're a tenant or homeowner or condo, we have the easy-to-understand online insurance formula for you.

Condo protection, the right solution!

Comparing condo insurance is probably not as easy as you might think. Get insurance specifically designed to cover your contents and your entire investment. And add a legal insurance protection for peace of mind.

Best cheap condo insurance

The dream of owning your own condo is now a reality. Which means you'll need homeowner's insurance from now on to protect your property.

You should know that your condo policy must be made in 2 contracts: that of the co-owner and that of the syndicat de copropriété.

Compensation for your condo can be either one or both of these contracts, depending on the nature of the damage to your property.

See their features

In addition to protecting your belongings and the improvements you've made to your condo since it was built, your condominium insurance also provides you with substantial civil liability coverage.

The liability coverage included in your home insurance policy is designed to protect you from situations where someone might hold you responsible for unintentionally causing damage to others.

Who can sell you the best home insurance?

For example, a guest trips over one of your child's toys and injures himself. If you are held responsible, in this case, your insurer must compensate this guest.

It's true that the law doesn't require no need for home protection. However, your declaration of co-ownership may require you to purchase condominium insurance. In some cases, co-owners are required to have certain coverages in their policy (e.g., a predefined amount for civil liability, an endorsement for sewer blockage, etc.).

Be sure to read your declaration of co-ownership so that you know your insurance obligations and those of the syndicate.

Brokers' proactive, innovative approach

Jean Boissonneault, associate insurance broker and President of Assur360brings an enlightened perspective on the major issues facing home insurance in Quebec, online. It emphasizes that home insurance plays a vital role in protecting properties and households against the various risks to which they are exposed, such as fire, water damage, theft and climatic events. Boissonneault emphasizes the importance of accurate assessment of risks and an in-depth understanding of policyholders' needs, to offer them the right insurance policies. It also recognizes the challenges posed by thereal estate market trends and associated risks, particularly with regard to climate change and its potential impact on claims. In Boissonneault's view, a proactive and innovative approach is needed on the part of insurers in order to guarantee a high level of protection for their customers. optimum protection of Quebec households. By integrating solid technical expertise, accurate data analysis and sensitivity to policyholder needs, Quebec home insurance can respond effectively to current and future challenges, ensuring residents' security and peace of mind.

Who is insured under your condo contract?

Your personal property and liability, as well as those of your children and spouse, are covered by your homeowner's policy.

Your contract usually also includes coverage for :

• Students in your care
• Visit young people under 18
• Students who are under your responsibility, even if they live outside your main residence.

Visit young people under 18 who are under your responsibility and living under your roof.

Are you living with friends? You and your partner have been living together for less than 3 years?
You'd better inform your condo insurer. So that the contract can be drawn up in everyone's name and everyone is properly protected.

Amount of condo insurance

Is your condo downtown? Is it made of wood or brick? Is it fire-resistant? These are just a few examples of the information your insurer needs to determine your amount of your insurance. The insurer will ask you a series of questions when you purchase your home insurance policy, so that he can determine your rate. Take your time to answer them correctly.

Construction

Age, location and building materials are just some of the characteristics that your home insurer building appraisal of your condominium.

Contract and coverage options

Your rate depends on the level of protection you choose:

• Your choice of Specified Risks or All Risks;
• Your choice of additional protection;
• The chosen deductible.

Value of assets to be protected

Your home insurance rate also depends on the amount of insurance you choose.

How much do you estimate the total value of your home's contents to be?

This information is very important to the insurer. If your condo is destroyed, how much would you need to replace all your belongings? By making an inventory of your possessions, you can easily make a list of everything you own and get the exact insurance amount.

Home protection

You are owner of a house, semi-detached, townhouse or row house, you can benefit from a home insurance in Montreal that will meet your needs for all your protectionif you are self-employed we have solutions for you.

What kind of home insurance?

Take out cheap home insurance with Assur360

It's a fact that everyone is trying to find affordable home insurance that won't drain their personal budget, but will also pay out promptly. To get the best coverage at the lowest price, it's best to use the online comparator of Assure 360.

Whatever your status - owner-occupier, even of a mobile home, tenant or condominium owner - it's all up to you. insurance contracts in Quebec will enable you to take advantage of the many assistance services that are an integral part of an insurer's program. These include telephone and legal assistance, referrals, emotional support, home assistance, nursing care, domestic help and even babysitting.

How can I get more affordable home insurance?

Who doesn't want to insure their home for less? On the Insurance360You can take advantage of an insurance comparison tool to find the best deal for you and your budget. You can save a lot of money with this tool.

You'll find a wide range of insurers on Assur 360, offering some of the most competitive home insurance products on the market.

Finding the right home insurance policyIt's not something you can improvise. You have to make an inventory of everything in your home in order to take out comprehensive insurance and exhaustive. This is important, as an incident can happen at any time, and it's best to be prepared for any eventuality, whether it's fire, water damage or theft, so you can claim a refund or a suitable replacement.

How is the insurance premium calculated?

The calculation of premiums takes into account a number of criteria, starting with thehouse location. So in an area with a low crime rate, home insurance costs less than in a high-risk area. Still on the subject of security, a home fitted with cameras and security equipment will have a much lower premium to pay.

The cost of home insurance is largely influenced by the size of the home and the number of people living in it. Any changes in this area will affect the amount of cover, and it is important to inform the insurer of these changes so that the insurance contract can be amended.

At the end of the contract it is possible to change insurerIn fact, this option can enable you to benefit from more advantageous rates, except that you need to take into account termination clauses in the event of early contract termination. Similarly, if you store around coverage with the same general insurance broker it is possible to benefit from a significant reduction in contributions.

In Quebec, home insurance is not compulsory, but becomes so when the property is financed by a mortgage. This type of protection also includes civil liability coverage, as well as other guarantees covering electrical damage, water damage, fire and theft. Coverage is not limited to walls, but also includes household appliances, computer equipment, collectibles and so on. It also covers damage caused by a pet, which is why you need to notify the insurance company of its presence. general insurance company. Don't hesitate to ask for a online quote for your insurance with Assurance 360.

Which home package to choose?

Certain insurers provide their customers with several adapted products to their needs, including the Supra, Classic and traditional Formulas for owner-occupier and Traditional and Distinctive for tenants or co-owners. Platinum Plus covers homes with a replacement value in excess of 400,000 $. It includes coverage for third-party liabilityWe also offer a high level of security for customer possessions, as well as an optimized settlement basis.

What does home insurance cover?

As for the classic formula, it is mainly aimed at homeowners whose residences are worth between 150,000$ and 400,000$. It offers all-risk coverage for residential buildingsThe tenant's policy also covers all outbuildings and personal property, as well as personal liability and the amount invested in reconstruction, among other things. On the other hand, the distinctive tenant-occupier formula offers all-risk protection for possessions and personal liability.

To find out more about the different formulas, the options that come with them, the degree of coverage, the premium amount and the reimbursement rate offered, don't hesitate to consult a home insurance broker and the Assur360 site and blog, which provide you with the best Quebec home insurance products.

Insurance is often a very affordable product housing in Quebec is an essential product for covering your own liability and property. Get an easy insurance quote for your apartment by requesting a quick online quote.

Advantages of your home insurance broker

Assur360 offers its policyholders exceptional service, including the possibility of always speaking to the same broker for your home. Our dynamic and experienced brokers can help you in complex situations.

Police chalet

If you own a second home or cottage, make sure you're properly insured so you can take time to relax with cottage insurance. tailored to your needs.

What is the average cost of home insurance?

The average price of home insurance varies according to a number of factors, including location of the houseThe cost of home insurance depends on the size of the policy, the value of the insured property, the type of coverage chosen and the profile of the insured. In Quebec, the average annual cost of home insurance can vary from 500 $ to 1,500 $, or even more, depending on these criteria.

What's the best home insurance?

Choosing the best home insurance through a broker depends on a number of factors, including your specific needs, the type of coverage you're looking for, and your financial situation. It's difficult to determine whichbest home insuranceThis is because the cost of insurance depends on many individual factors. These include the value of your property, the level of coverage you want, your location, your claims history, and other criteria. In addition, insurance premiums the least expensive may vary from one company to another.

Is tenant's insurance compulsory?

In Quebec, home insurance is not required by law for tenants. However, although it is not a legal obligation, taking out tenant's insurance is strongly recommended. Although home insurance is not mandatory, it does offer important financial protection. We recommend that you talk to a broker to determine the appropriate level of coverage for your specific needs.

Advantages of online home insurance in Quebec through an insurance broker

Online home insurance offers a modern and practical approach to protect your home in Quebec. With the assistance of an insurance broker, you can benefit from many advantages that make this process simpler and more efficient.

Easy comparison of home insurance offers

By opting for online home insurance, you can easily compare offers from different insurers. Online brokers make it easy for you to find the best cover and the best price. lowest ratesto help you make informed decisions.

Save time and effort

Avoid administrative hassles by purchasing your home insurance online. A competent insurance broker can guide you through the entire process, saving you the time and effort you would have spent on more traditional procedures.

Personalize your home insurance online

L'home insurance online offer You can also customize your coverage to suit your specific needs. With the help of a broker, you can adjust the policy to match exactly what you need, without paying for unnecessary coverage.

Professional assistance just a click away

Take advantage of thethe expertise of an insurance broker without having to go anywhere. Online services make professional assistance just a click away, whether you need advice, need to change your cover or need to manage claims.

In a nutshell

L'online home insurance in Quebec through an insurance broker offers significant advantages in terms of simplicity, personalization and access to professional expertise. Explore this modern option to insure your home efficiently and appropriately.