Homeowners
Protect your home, outbuildings and belongings against unexpected events.
- →Building reconstruction
- →Personal belongings and effects
- →Civil liability
- →Garage, shed and exterior improvements
Home.
Up to 20% in savings on your home insurance when you work with an independent broker.
- Free quote
- 60+ insurers compared
- Support in case of a claim
Overview
- →Homeowner
- →Condo and co-ownership
- →Rental property
- →Cottage and vacation home
Protections · 06 Coverage elements
What your home insurance protects
Every property is different. Good home insurance protects not only your building, but also your belongings, your civil liability and your quality of life in case of a loss.
- Full reconstruction
Main building
Your home is often your most important investment. This protection covers the reconstruction of the building following a covered loss.
- +Reconstruction based on current costs
- +Brought up to code when required by contract
- Exterior structures
Outbuildings and exterior improvements
Structures on your property can also be protected.
- +Detached garage
- +Shed, fence and gazebo
- +Pool and outdoor equipment
- Personal belongings
Personal belongings and effects
Your furniture, clothing, electronics and everyday items can be covered in case of loss.
- +Furniture and appliances
- +Electronics
- +Bicycles, tools and recreational equipment
- Accidental damage
Civil liability
Essential protection if you accidentally cause damage to others or if someone is injured on your property.
- +Property and bodily damage
- +Protection worldwide according to contract conditions
- Living continuity
Additional living expenses
If your residence becomes uninhabitable after a covered loss, this protection helps maintain your lifestyle during repairs.
- +Temporary accommodation
- +Meals and additional expenses
- +Storage of belongings when necessary
- Tailored coverage
Complementary protections
Certain coverage can be added to better protect your property based on its location and your needs.
- +Sewer backup
- +Water infiltration
- +Earthquake
- +Water damage
↳Protections, insurance amounts and exclusions vary by insurer and the contract you choose. Your broker analyzes your situation to recommend the coverage best suited to your property and your needs.
Housing types
Coverage tailored to your housing type
Condo owners
Complement the protection offered by your condo association.
- →Condo improvements
- →Personal contents
- →Condo association deductible
- →Civil liability
Tenants
Protect your belongings and liability at a low cost.
- →Furniture and personal effects
- →Theft and vandalism
- →Civil liability
- →Living expenses
Cottages and vacation homes
A residence used occasionally presents different risks than a primary residence.
- →Year-round or seasonal cottage
- →Protection against theft and vandalism
- →Outbuildings
- →Civil liability
Rental properties
Whether you own a duplex, triplex or revenue property, tailored coverage is essential to protect your investment.
- →Rental building
- →Loss of rental income
- →Landlord liability
- →Protection against damages caused by tenants
High-value properties
High-value properties often require tailored coverage and insurance limits.
- →High reconstruction value
- →Jewelry and valuables
- →Wine cellar and collections
- →Customized coverage
Process · Our 4-step process
- Step 01
Assessment of your situation
We assess your property, how it's used and the coverage you really need.
↦Initial consultation - Step 02
Market comparison
We compare multiple insurers to find the best available options.
↦24 to 48 h - Step 03
Personalized recommendation
We clearly explain the recommended coverage, important exclusions and proposed insurance amounts.
↦48 to 72 h - Step 04
Policy activation
We handle all the formalities so your insurance is active quickly and without complication.
↦Immediate activation
FAQ
Frequently asked questions
A fifteen-minute call, no commitment. It's often enough to clarify your situation — and to know whether we're the right home for you.
Phone
450 755 3022Email
info@hgassurances.caHome insurance is generally not required by law, but it is often mandatory to obtain a mortgage. Even when not required, it remains essential to protect your home, belongings and civil liability in case of a loss.
Water damage is among the most frequent claims in Quebec. Some causes are automatically covered, while others require additional protections such as sewer backup, water infiltration or appliance overflow. A broker can help you identify the right coverage for your property.
The cost of home insurance varies depending on several factors: the rebuilding value of the property, its location, age, coverage chosen and your claims history. A personalized quote is the best way to get an accurate price.
Yes. Civil liability included in most home insurance contracts can cover bodily or material damage caused unintentionally to another person, whether on your property or elsewhere according to the contract conditions.
Yes. Furniture, clothing, electronics and many other personal effects are generally covered against theft according to the limits provided in the contract. However, some valuables may require additional protection.
Absolutely. Tenant insurance protects your personal belongings, your civil liability and your living expenses if your home becomes uninhabitable following a covered loss.
Contact your insurer or broker as soon as possible after the loss. Take photos of the damage, keep important purchase receipts and take the necessary emergency measures to limit additional damage when it is safe to do so.
When you do major renovations, it's recommended to inform your insurer. Some work may change the rebuilding value or require adjustments to your contract to maintain adequate coverage.
Market value represents the potential selling price of the property on the real estate market. Reconstruction value corresponds to the cost necessary to rebuild the residence after a loss. It is this latter that is generally used to establish the building insurance amount.
A broker compares multiple insurers to find coverage suited to your needs. You benefit from independent advice, a greater choice of options and personalized support when subscribing and in case of a claim.