Insure your home Protect your home and sleep soundly.
If there is a place in the world where you expect to be perfectly safe, it's in our home, hence the importance of obtaining personalized coverage that meets all your needs. Do you live in a semi-detached house, a detached house, a townhouse that you own or rent? OVC Insurance offers you quality home insurance at advantageous prices. You can count on us in all circumstances.
The right protection All risks or named risks?
Most of our clients choose an all risks protection because it covers the majority of accidental events that may occur in your home. As for named risks protection, it offers a range of more limited protections specified in the insurance contract, but which, depending on the situation, may be better suited. Exclusions apply according to the contract, the addition of added coverage can improve the protection.
The contract What are my protections?
Depending on your situation, your home insurance will protect your home from its foundations up to the roof, but it also covers all of your belongings. It also protects you against unforeseen events which are part of your third party liability. Our experts will choose, together with you, basic coverages as well as additional coverages which, together, will constitute the home insurance you need.
No, the owner's insurance aims to cover the home, its foundations up to the roof and the goods belonging to the owner. It is therefore important to have a tenant's insurance policy in order to cover your belongings.
The basic all risks contract does not include protection for overflowing watercourses. However, some insurers offer this protection if the home meets the eligibility criteria.
There is a limit for certain categories of goods. So, if you have high value goods, it is important to declare them in order to cover them properly. In this case, basic coverage applies, but a rider should be provided to cover the full value of the bikes.
Generally, the basic home insurance policy does not cover your inground or aboveground pool, spa or sauna. Additional protection could be added to protect them. You can also protect all of the equipment, accessories and patios attached to your aboveground or inground pool or spa.
A Coverage adapted to your situation
Do you live in a semi-detached house, a detached house, a townhouse that you own or rent? OVC Insurance offers you quality home insurance at advantageous prices.
Owner-occupant
Your home insurance obviously protects your home from its foundations up to the roof, but it also covers all of your belongings. It also protects you against unforeseen events which are part of your third party liability. Our experts will choose, together with you, basic coverages as well as additional coverages which, together, will constitute the home insurance you need.
Co-owner-occupant
Two separate contracts can share compensation in the event of a claim: 1) Your contract as co-owner covers movable property, civil liability, as well as improvements made to the condo since its construction; 2) The insurance that your syndicate of co-owners covers for its part the common parts such as the roof, corridors, halls and stairs of the building, as well as the parts specific to the condo itself, such as floors , walls and windows. It also includes the third party liability of the syndicate of co-owners.
Tenant-occupant
Are you renting an apartment, house or condo? Be aware that the homeowner's insurance does not cover your personal property. OVC Insurance offers you tenant home insurance which, in most cases, will protect your property not only against fire, theft and vandalism, but also against damage that you may cause to a third party.
Non-occupying owner
Do you own a residence that you rent to a third party? Your home insurance will include third party liability and building protection. Also consider protecting the property you have left on site (for example, household appliances) and choose additional protections covering in particular your property's rental value.
Complements of Coverage
Also called riders, these complete the basic protections according to your needs. The analysis of your situation and your needs will allow us to advise you on the right additional protection to take and the adequate amounts of protection.
Sewer back-up and water infiltration
Almost 60% of claims are due to water damage! Consider being protected for damage to foundations due to water infiltration or sewer back-up among other things.
Rental value
Opt for the building's rental value protection, which covers you against loss of rental income in the event of an incident that gives rise to repair work on your property.
Water above the foundations
This warranty covers damage related to the infiltration of rain or snow through the roof or walls of your home, as well as through windows or doors on the ground floor and upper floors.
Earthquake
You can protect your belongings or your home from an earthquake affecting them.
The Coverages
First, third party liability insurance arms you against the unexpected by protecting you from personal injury or property damage that you may accidentally cause to a third party or their property. It also covers you if you are held liable for an act of negligence with serious consequences. So, for example, if a fire accidentally occurs in your home and it damages neighboring properties, your insurer will cover these losses, whether or not you are responsible for them. In addition, if there is a lawsuit, your assets will be protected and your insurer will also pay for attorneys' fees. Most policyholders choose a $ 2 million liability insurance, which can vary from $ 1 million to a maximum of $ 5 million, depending on certain conditions.
The building
This basic warranty of your homeowner's insurance contract which aims to compensate you according to your house's reconstruction value following a major disaster, from its foundation to its frame all the way through its walls, floors, cupboards and counters.
Your goods
In most cases, property insurance protects your goods from damage caused by fire, theft, vandalism and certain water damage. It also covers those of your goods temporarily stored outside the insured premise at the time of the incident. However, it is important to validate the limit specified in your insurance contract in such cases and your additional protections.
The outbuildings
Do you have a garage or shed? It will also be covered by the owner insurance contract's warranty.
Living expenses
If a temporary relocation is necessary due to a covered incident, know that there is protection that covers living expenses (lodging, restaurant meals, etc.) in such cases.