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Whether you live in a condo, a townhouse, an apartment block, or the city centre or the countryside, AssurExperts brokers for residential insurance in Quebec analyze the market and propose coverage that fits your needs and budget. For standard residential insurance or insurance for high-value homes in Quebec City, they apply every discount you qualify for, such as being claims-free, having a home equipped with an alarm system, being retired or a graduate from a particular institution, as well as a multi-line discount if we also insure your automobile. Do not hesitate to contact us today to discuss your situation and find coverage that fits your needs.
In terms of residential insurance, several details must be considered to avoid unpleasant surprises during a claim, whether it happens to be fire, theft, water damage, a natural disaster, or liability. Rely on our brokers for peace of mind. They will assess your possessions at their fair replacement value as well as consider oft-forgotten valuables, such as paintings, bicycles and high-value objects, the contents of your wine cellar, musical instruments or unique collections.
And above all, in the event of a loss, your AssurExperts broker is an intermediary looking out for your best interests so that you can benefit from the indemnities provided for in your insurance policy.
Here are some of the additional coverages that can be added to your insurance policy:
Do you rent a high-end apartment? Do you own a prestigious residence furnished and decorated with valuables and works of art? You gain strong protection when you buy a comprehensive policy for a luxury property and work with a professional broker in this niche.
An upscale property requires the most extensive insurance coverage. This is why clients of AssurExperts brokers who own such residences benefit from a personal inspection by appointment and a detailed assessment. When a claim occurs, this ensures that the settlement can be made quickly and efficiently to our customers’ full satisfaction.
High-value home policies apply to people who live in a property valued at more than one million dollars and hold more than two hundred thousand dollars in assets such as jewellery, collectibles or a wine cellar.
Challenge us to get the best insurance policy for your high-value home.
If you’re having difficulty getting insurance for your property. AssurExperts has the solution. Thanks to our non-standard home insurance policy, we’re able to insure homes whose owners have been refused insurance either because they had experienced multiple claims in the past few years, because one of the owners has a less-than-stellar legal file, because they had to resort to an unauthorized lender, or because the previous insurer refused to renew their insurance policy for non-payment of premiums. If you’ve experienced one of these unfortunate situations, you can count on AssurExperts’ brokers.
Condominium insurance is more complex. It is therefore important to know which parts must be insured. Your AssurExperts broker will be able to guide you in order to avoid any surprises during a claim.
There are two (2) types of co-ownership: divided co-ownership and undivided co-ownership.
If you’re the co-owner of a divided co-ownership, you own your unit and share your common spaces, such as the parking lot, the hallways, and the basement, if applicable.
On the other hand, if you’re the owner of a unit in a condo building, you’ll have to insure your personal property (by evaluating its replacement value), your personal liability (to protect you if a guest is injured or if your BBQ damages a neighbour’s property) and also your liability for the common areas in the event of insufficient insurance from the condominium association, as well as any improvements or betterments made to your unit.
However, you don’t have to insure the building as a co-owner. It falls upon the condominium association’s administrators to insure the building. However, check with your administrator to ensure adequate protection, because in the end, you pay part of the expenses incurred by your owner’s association through your monthly payments.
You need residential insurance that fits your situation to protect your assets. With our knowledge of the market, we offer objective, personalized solutions. As brokers who handle residential insurance in Quebec, we assess each case precisely. Here is how we help:
Entrust us with your residential insurance today and get professional support that gives you peace of mind.
Understanding residential insurance can raise many questions. To help you benefit from our brokers’ services for residential insurance in Quebec, we have gathered answers to the questions we receive most often:
Standard residential insurance covers common needs, while high-value home insurance includes a detailed evaluation, broader protections and support tailored to prestige assets.
Yes. You can add protections such as replacement cost, legal insurance, pool coverage, or secondary residence coverage.
The condominium syndicate insures the building. You must protect your personal property, your improvements and your liability.
Your broker acts as an intermediary to simplify the claim and defend your interests with the insurer so you receive the compensation provided under the policy.
Our non-standard residential solutions let us insure owners whose applications other insurers have refused.
AssurExperts Quebec’s leader in insurance and financial services, bringing together a team of independent professionals always on the cutting edge of new market trends.
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540 Rue Michel-Fragasso, Québec (Québec), G2E 5N4
T 418-871-2289
F 418-871-4534
TOLL FREE 1-800-267-2289
