Landlord
Do you own a house or building that you do not live in? Landlord insurance protects your investment against common types of damage, including theft, fire, and water damage.
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What is landlord insurance?
This insurance is intended for property owners who own a house, condo, duplex, or triplex but do not reside in the property themselves. It provides coverage for damage that may occur to the building, including risks such as fire, theft, or water damage. It also includes civil liability protection in the event that someone is injured on the premises. In short, this insurance safeguards your investment while your tenants occupy the property.
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.
Rental income
Does your property generate income? Our landlord insurance can cover loss of rent, helping to protect your financial stability.
Additional coverage
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.
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.
Is landlord insurance mandatory?
You might be surprised to learn that landlord insurance is not mandatory in Quebec, unlike auto insurance. However, it’s important to remember that in the event of a claim, the costs can be very high. By clearly identifying your needs, you can find a policy that offers protection without being overly expensive.
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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
Pafco
