Insure your home WITH A HOME INSURANCE BROKER
PROTECT YOUR HOME WITH A HOME INSURANCE BROKER.
If there's one place in the world where you expect to be perfectly safe, it's at home. That's why it's so important to get personalized coverage that meets your every need. Do you live in a semi-detached, detached or row house that you own or rent? OVC Assurance offers quality, affordable home insurance for Quebec residents, whether you own or rent. For the best coverage at the best price, you can count on us!
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The right protection FOR YOUR PROPERTY
All Risks Insurance or Designated Risks?
Most of our customers choose all-risk coverage, as it covers the majority of accidental events that may occur in your home. Designated perils coverage, on the other hand, offer a more limited range of coverages specified in the insurance contract. Exclusions may apply, depending on the contract, and the addition of complementary coverages can improve protection.
I'm a tenant. Are my belongings covered by my landlord's insurance?
I live near a river. Am I covered if it overflows?
My new road bikes total $8,000. Are they covered under my home insurance policy?
Is my swimming pool covered by my basic insurance policy?
INSURANCE PROTECTION TAILORED TO YOUR SITUATION
Do you live in a semi-detached, detached or row house that you own or rent? OVC Assurance offers you quality home insurance at an attractive price.
Home insurance for owner-occupiers
Your home insurance not only protects your home, from foundation to roof, it also covers all your belongings. It also protects you against unforeseen events that fall within the scope of your civil liability. Our experts will work with you to select the basic and complementary coverages that together make up the home insurance you need.
Insurance for condominium owners
In the event of a claim, two separate contracts can share the compensation: Your home insurance as a co-owner covers personal property, civil liability and any improvements made to the condo since it was built. Your condominium corporation's home insurance covers common areas such as the building's roof, corridors, halls and staircases, as well as areas specific to the condo itself, such as floors, walls and windows. It also covers the civil liability of the syndicate of co-owners.
Home insurance for tenant occupants
Renting an apartment, house or condo? Be aware that the home insurance your building owner takes out does not cover your personal property. OVC Assurance offers you tenant's home insurance that, in most cases, will protect your belongings not only against fire, theft and vandalism, but also against damage you may cause to a third party.
Insurance for non-occupant owners
Do you own a home that you rent to a third party? Your home insurance will include civil liability and building protection. You should also consider coverage for items left behind (e.g. appliances) and structures on the property (e.g. sheds), as well as additional coverage for the rental value of your property.
Our advantageous Supplemental couverage
Also known as endorsements, supplementary home insurance coverage complements basic coverage according to your needs. By analyzing your situation and needs, we'll be able to advise you on the right supplementary coverage to take out, and the right coverage amounts.
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Protect Yourself Now
Sewer back-up and water infiltration
Nearly 60% of claims are due to water damage! Consider protection against damage to your property as a result of water seepage or sewer backup.
Rental value protection
Opt for building rental value protection, which covers you against loss of rental income in the event of a loss requiring repairs to your property.
Water above the foundations
This warranty covers damage caused by rain or snow infiltration through the roof, siding or windows.
Earthquake
You can protect your property or home from earthquake damage.
The OVC Insurance coverages
First and foremost, civil liability insurance protects you against the imponderables of bodily injury or property damage that you may accidentally cause to a third party. It also covers you if you are held responsible for a negligent act with serious consequences. So, for example, if a fire accidentally breaks out in your home and damages neighboring properties, your insurer will cover these losses. What's more, in the event of a lawsuit, your assets will be protected, and your insurer will also cover legal fees. Most policyholders opt for two million dollars in liability coverage, although this can vary from one million to a maximum of five million dollars, depending on certain conditions.
The building
This basic coverage of your homeowner's insurance contract is designed to compensate you for the cost of rebuilding your home following a major loss, from its foundation to its framework, including walls, floors, cabinets and countertops.
Your belongings
In most cases, property insurance protects your personal belongings against damage caused by fire, theft, vandalism and certain types of water damage. It also covers your belongings temporarily stored outside the insured premises at the time of the loss. It is important, however, to check the limits specified in your insurance contract in such cases, as well as your supplementary coverages.
The outbuildings
If you have a detached garage or garden shed, it will also be covered by your homeowner's policy.
Living expenses
If you need to relocate temporarily because of a covered loss, you should know that there is coverage for living expenses (room and board, restaurant meals, etc.) in such cases.
Our Other Individual Insurances
Automobile Insurance
Automobile insurance is essential to protect you and your vehicle against a variety of risks. It generally includes coverage for third-party liability, which is compulsory, as well as options for property damage, not-at-fault accidents, and theft. When choosing car insurance, it's important to compare the different policies available to find the one that offers the best value and the coverage you need. Our insurance brokers are here to help you navigate the options and choose the best solution for your situation.
Find out moreRecreational Vehicle Insurance
Recreational vehicle insurance is designed to protect a variety of vehicles used for recreation and travel. Whether you own an ATV, RV, motorcycle, boat, ski-doo, or caravan, specific insurance is needed to cover the risks associated with their use. This insurance offers protection against accidents, property damage, theft, and non-accountable incidents. Our specialized brokers can help you choose a policy that meets your specific needs and ensures your peace of mind during your adventures.
Learn MoreTHE HOME INSURANCE CONTRACT What coverage do I have?
Depending on your situation, your home insurance will protect your home from foundation to roof, but it also covers all your belongings. It also protects you against unforeseen events that fall under your civil liability. Our experts will work with you to select the basic and complementary coverages that together make up the home insurance you need.
1. What is home insurance?
Home insurance is a policy that provides financial protection for homeowners and tenants against loss or damage to their home and personal property. In addition to protecting the physical structure of the home, it also includes liability coverage for damage or injury caused to others. Additional coverage can be added for specific items such as pools, spas and outbuildings.
2 Why use a home insurance broker?
A home insurance broker, whether it's a comprehensive home insurance broker, a home insurance broker or a real estate insurance broker, helps you find the best coverage for your home. To find the best insurance, the first step should always be to talk to one of our personal lines brokers.
Whether you're looking for cheap home insurance or online home insurance, these brokers compare different insurance policies and negotiate the best premiums for you with the different Quebec insurance companies they have access to.
3 What kind of coverage is included in home insurance?
Home insurance generally covers civil liability, losses such as fire and water damage (additional coverage is available), and theft. They may also include coverage for personal property, pools and spas, and outbuildings such as garages and sheds.
Some insurance contracts cover certain natural disasters and valuables such as works of art, racing bikes and the like. For residential customers, it's crucial to fully understand the coverages offered, including damage insurance, to protect their investment and have real peace of mind.
4 How do I choose the best home insurance?
To choose the best home insurance, consider the home insurance premium, deductibles, personal property coverage, and protections against various losses. Using a property and casualty insurance broker can make it much easier to compare offers.
A personal lines broker can also provide advice on the policies best suited to your specific needs, whether you're looking for home insurance quotes or evaluating insurance products offered by different insurance companies.
5 What do I do if there's a claim on my property?
In the event of a loss, whether fire, theft or water damage, contact your home insurance broker or insurance company immediately to report the incident and start the claims process. Provide all the necessary details and follow their instructions for the claims process.
For more information on home insurance and to get home insurance quotes tailored to your needs, visit OVC Assurance.