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From sunrise to the campfire, we adapt to your
Your secondary residence or cottage is the place where you can disconnect from everyday life and share moments with your loved ones. At Assurancia Groupe Tardif, we help you protect what matters so you can enjoy it to the fullest, season after season.
Because every situation is unique, we offer coverage tailored to your reality, your plans and the different stages of your life.
The “Civil liability” coverage protects you if someone is injured at your home or if you accidentally damage something at your neighbour’s place.
This coverage covers the cost of repairing or rebuilding your residence, as well as attached buildings such as the garage, shed, fence or deck, when they are damaged by a covered loss. This coverage may also include costs related to guaranteed replacement cost and compliance with current building standards. This allows you to restore your property and preserve 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 replaced or compensated. This coverage helps limit the financial impact of an unexpected event.
If your residence becomes uninhabitable following a covered loss, additional costs related to temporary accommodation, meals and certain other reasonable expenses may be covered. This provides financial support during the repairs or rebuilding of your residence.
Your insurance may also include several coverages against common risks, such as fire, smoke, lightning, windstorms, hail, theft and vandalism, depending on your policy. These coverages help you deal with everyday unexpected events with complete peace of mind.
Depending on your needs, you can add additional coverage to your policy. For example: sewer backup, water infiltration and flooding, earthquakes, replacement of your belongings at replacement cost, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), jewellery and valuable collections, cyber protection, identity theft, enhanced civil liability, telework, business activities at home, or short-term rentals. These options allow you to tailor your insurance to your reality and obtain more comprehensive protection.
Our teams answer your most frequently asked questions to help you better understand the coverage available and choose solutions tailored to your reality.
No, it is not mandatory, but it is strongly recommended. If the property is financed, your lender will generally require insurance to protect the building.
Basic insurance covers your building in the event of a loss, and depending on the coverage selected, it may also cover damage caused by fire, theft, vandalism and certain water damage, your belongings on site, as well as your civil liability in the event of damage caused to others.
Yes, but certain conditions may apply. Seasonal residences or those not occupied year-round may require tailored coverage or specific requirements.
Yes, depending on your coverage. Belongings in your secondary residence may be covered, but with specific limits depending on your policy.
Cottages are often more exposed to certain risks such as theft, water damage or breakage during periods of vacancy. More comprehensive coverage helps better protect your property and avoid significant costs.
As one of the largest brokerage firms in Québec, 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, connect with 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 around 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 strictly 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 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 coverage tailored to your reality.
