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From studios to penthouses, we adapt to your reality
Whether you own a condo or a co-ownership unit, your home deserves protection that reflects what it means to you. At Assurancia Groupe Tardif, we ensure your coverage is tailored to your lifestyle.
Because every situation is unique, we offer protections adapted to your reality, your projects, and the different stages of your life.
The “Civil Liability” guarantee protects you if someone is injured in your home or if you accidentally damage something belonging to your neighbor.
This protection covers the costs of repairing or reconstructing 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 can also include costs related to guaranteed replacement value and current building code requirements. This allows you to restore your property and preserve the value of your investment.
In the event of a covered loss, your personal property such as furniture, clothing, electronics, appliances, or tools can be replaced or compensated. This coverage helps you limit the financial impact of an unforeseen event.
If your residence becomes uninhabitable following a covered loss, additional costs related to your temporary accommodation, meals, and certain other reasonable expenses may be covered. You thus benefit from financial support during the repairs or reconstruction of your residence.
Your insurance may also include several protections against common risks, such as fire, smoke, lightning, windstorms, hail, theft, and vandalism, depending on your contract. These guarantees help you deal with everyday unforeseen events with complete peace of mind.
Depending on your needs, it is possible to add complementary protections to your contract. For example: sewer backup, water seepage and flooding, earthquakes, replacement of your property at replacement value, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), jewelry and valuable collections, cyber protection, identity theft, enhanced civil liability, teleworking, home-based professional activities, or short-term rentals. These options allow you to adapt your insurance to your reality and obtain more comprehensive protection.
Our teams answer your most frequently asked questions to help you better understand the available protections and choose solutions adapted to your reality.
No, it is not mandatory by law, but it is generally required by co-ownership syndicates and strongly recommended to protect your belongings, your improvements, and your civil liability.
Condo insurance can cover your personal property, improvements made to your unit, your civil liability, as well as additional living expenses if your condo becomes uninhabitable following a covered loss.
The syndicate generally has insurance for the building and common areas, but this insurance does not cover all your personal property or certain improvements made to your unit. Condo insurance therefore remains essential to complete your protection.
Yes, depending on the protections chosen. Furniture, clothing, electronics, appliances, and other personal property can be covered in the event of a covered loss, subject to the limits provided for in the contract.
If you are held responsible for damage caused to another unit or another person, your civil liability protection can help you cover the costs claimed, within the limits provided for in your contract.
As one of the largest brokerage firms in Quebec, with a team of over 120 brokers spread across 9 branches, our firm is dedicated to damage insurance. We offer a simple, efficient, and transparent approach to our insurance services.
On the other end of the line, reach our specialists who support you by adapting to your reality in order to offer you the best coverage that suits you.
Our experts have access to a vast network of insurers, in order 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 most suited to your reality, while ensuring they obtain the best value for money.
Our team holds several certifications and strictly respects industry guidelines, such as 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.
As an individual, our brokers take the time to offer you protections adapted to your reality.
