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Disasters are unpredictable, but prevention is possible. Our home insurance solutions offer clear protection against common risks like fire, theft, and certain types of water damage.
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Why take out homeowners insurance?
As a homeowner, you have a responsibility to protect your home and everything in it. Homeowners insurance not only covers damages from incidents such as fire, theft, and water damage, but it also protects you against civil liability in case of an accident involving a third party. You can even add specific types of coverage, such as temporary accommodation in the event of a disaster or protection for your personal belongings during a move. In other words, it’s the best way to sleep soundly.
Standard coverage
Depending on how you use your property, standard coverage may be ideal for you.
Civil liability
This option provides coverage for property damage or bodily injury to third parties in the event of an accident occurring on your property.
Theft, fire, and vandalism
You can feel confident knowing that you are protected against risks such as theft, fire, or vandalism.
Additional coverage
Living near a lake, having a pool, or working from home are wonderful perks; however, they also come with added risks. Depending on your circumstances and risk tolerance, you can enhance your insurance coverage. Additional options are available to help you expand your coverage and create a tailored safety net.
Legal protection
This extra layer of protection is especially useful in the event of legal issues.
Water damage
To protect you from damage caused by water ingress, overflow, leaks, or accidental sewer backflow.
FAQ
Answers to your questions!
A tree fell on my building. What should I do?
First, contact your insurance broker, who can guide you through the process. A claims professional will assess the situation and the extent of the damage. There are two main reasons a tree might fall: extreme weather conditions or a health issue with the tree itself. Once the cause has been identified, it will be possible to determine who is responsible and what compensation may be awarded.
I am a tenant. Am I required to have insurance?
While it’s not legally mandatory, it is highly recommended that you obtain rental insurance. In the event of a claim, the expenses for replacing furniture and personal belongings can add up quickly. For instance, if a fire caused by your negligence damages the building you live in, you could be held responsible for substantial repair costs. Take the time to compare different insurance policies; for a small monthly fee, you can avoid a lot of potential issues.
Will the cost of my cottage insurance change depending on how I use it?
Yes, your coverage and premium amount will be influenced by usage frequency, whether it’s year-round or seasonal.
I’m renting a condo: what kind of insurance do I need?
It’s important to note that a condo owner’s insurance policy does not cover your personal belongings in the event of a loss. Protecting your possessions is your responsibility. While tenant insurance is not legally required, it is highly recommended to protect yourself against unexpected events.
Is homeowners insurance different from home insurance?
Home insurance varies based on whether you are a renter or a homeowner. Homeowners can be classified as owner-occupiers, who live in the property, or non-occupiers, who typically rent out the property, such as in the case of income properties, duplexes, or triplexes. It’s important to clearly define your situation to ensure you receive the most comprehensive coverage possible.
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Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promutuel
L’Unique
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