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From exceptional to one-of-a-kind, we adapt to your reality
Your prestige property is much more than just a residence: it reflects your lifestyle, your tastes, and the investments you have made over time. At Assurancia Groupe Tardif, our specialized team supports you with a personalized approach and advice tailored to your situation to offer you protection that matches the value and unique character of your property.
Because every prestige property has its own characteristics, we offer coverage tailored to your residence, your lifestyle, and your needs. Our experts support you to provide coverage that matches the value and unique character of your property.
The “Liability” coverage protects you if someone is injured at your home or if you accidentally damage something at your neighbour’s home.
This coverage covers the costs to repair or rebuild 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 the requirements of current building codes. This way, you can 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 may be replaced or compensated. This coverage helps you 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 you with financial support during repairs or the 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, additional coverage can be added 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 liability, telework, professional activities at home, or short-term rentals. These options make it possible 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. Due to the high value of this type of property, financial institutions almost always require appropriate insurance.
Basic insurance covers your building in the event of a loss, and depending on the coverage chosen, it can also cover damage caused by fire, theft, vandalism and water damage, your high-value belongings, as well as your liability in the event of damage caused to others.
Yes, but with certain limits. Artwork, jewellery, collections, or high-end equipment often require specific coverage to be fully covered.
Yes, if your coverage is properly tailored. Prestige properties are generally insured based on their actual rebuilding cost, including high-end materials and features.
A prestige property has unique features. Tailored coverage helps adequately protect your investment, your valuables, and your lifestyle in the event of a loss.
As one of the largest brokerage firms in Québec, with a team of over 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 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 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.
