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From arrivals to departures, we adapt to your reality
Hosting travellers means sharing a place that is dear to you. At Assurancia Groupe Tardif, we help you protect your property so you can rent with complete peace of mind. Our experts are here to support you and meet your specific needs.
Renting out your residence involves risks that differ from those of a home occupied only by its owner. Our team supports you with insurance solutions tailored to your reality to protect your property, your belongings and your liability when you host travellers.
Liability coverage protects you when an incident causes property damage to others or injuries to another person. For example, if a visitor is injured on your property or if you accidentally cause damage to a neighbour, this coverage may apply according to the terms of your policy.
This coverage covers the cost of repairing or rebuilding your residence, as well as attached structures such as a garage, shed, fence or deck, when they are damaged by a covered loss. Depending on the coverage selected, it may also include replacement cost and certain expenses related to complying with current building codes. This allows you to restore your property and protect the value of your investment.
In the event of a covered loss, your personal belongings—such as furniture, clothing, electronics, appliances or tools—may be repaired, replaced or compensated according to the coverage in your policy. This coverage helps reduce the financial impact of the unexpected and get you back to your routine more quickly.
If your residence becomes uninhabitable following a covered loss, the additional expenses incurred to stay somewhere temporarily, eat meals or maintain your usual standard of living may be covered, depending on the coverage in your policy. This provides financial support during the repair or rebuilding work on your residence.
Depending on your needs, you can add additional coverage to your policy. For example: sewer backup, water infiltration and flooding, earthquakes, replacing your belongings at replacement cost, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), jewellery and valuable collections, cyber protection, identity theft, enhanced liability coverage, working from home, professional activities at home, or short-term rentals. These options allow you to tailor your insurance to your reality and obtain more comprehensive protection.
Short-term rentals have specific features that can affect your insurance coverage. Our teams answer the most frequently asked questions to help you better understand the available coverage and choose a solution tailored to your reality.
Not necessarily. Standard home insurance does not always cover short-term rental activities. It is important to inform your broker so they can confirm you have coverage suited to your situation.
Yes. Even if you rent out your property only a few days a year, it is essential to inform your insurer or broker. Depending on the frequency and type of rental, additional coverage or a specific policy may be required.
Depending on the coverage selected, your insurance may cover certain damage caused by a tenant. However, coverage varies from one insurer to another. Your broker will help you choose the coverage best suited to your reality.
Depending on the coverage in your policy, your liability insurance may protect you if a traveller is injured or causes damage to a third party during their stay. It is important to confirm that your coverage takes short-term rentals into account.
Yes. Whether you rent out your primary residence, your cottage or a secondary residence, we can help you find an insurance solution tailored to your property and your rental activities.
No. The protection programs offered by the platforms may include exclusions, limits and specific conditions. Proper insurance remains essential to adequately protect your property, your belongings and your liability.
As one of the largest brokerage firms in Quebec, with a team of more than 120 brokers across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, efficient and transparent approach to our insurance services.
On the phone, reach our specialists who support you by adapting to your reality to offer you the best coverage for your needs.
Our experts have access to a vast network of insurers to obtain the insurance product that best meets your reality.
Our professionals shop and compare several quotes for you to save you time and find the most suitable insurance solution.
Our brokers look for the insurance product best suited to your reality, while ensuring you get the best value for money.
Our team holds several certifications and rigorously follows industry guidelines, such as those of the Autorité des marchés financiers (AMF), the Autorité des marchés publics (AMP) and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are respected.
Thanks to our presence in the communities and the values that unite us, we understand your reality and remain accessible when you need us.
When the unexpected happens, your broker is by your side. They guide you through every step of the claims process, answer your questions, help you navigate each stage, and ensure your case is handled with the care and attention it deserves.
Here are practical tips, useful tools and clear explanations to answer your everyday questions.
If you are an individual, our brokers take the time to offer you coverage tailored to your reality.
