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From the basement to the attic, we adapt to your reality
Your home is much more than just a house; it is often the biggest investment of a lifetime, a space filled with memories and precious moments. At Assurancia Groupe Tardif, our experts support you at every stage of your life and adapt to your reality, including the protection of your home.
Because every situation is unique, we offer protections adapted to your reality, your projects, and the different stages of your life.
The “Personal Liability” coverage protects you if someone is injured at your home or if you accidentally damage something at your neighbor’s.
This protection covers the costs 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 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 belongings such as furniture, clothing, electronics, appliances, or tools can 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. You thus benefit from financial support during the repairs or reconstruction of your home.
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 unexpected 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 belongings at their replacement value, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), valuable jewelry and collections, cyber protection, identity theft, enhanced civil liability, teleworking, home-based business 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 legally mandatory, but it is highly recommended. If you have a mortgage, your financial institution will generally require proof of insurance to protect the property.
Basic insurance covers your building in the event of a loss, and depending on the protections chosen, it can also cover damage caused by fire, theft, vandalism, and certain water damage, your personal property, as well as your civil liability for damage caused to others.
Yes, but up to certain limits. Some items such as jewelry, artwork, or specialized equipment may require additional protection to be properly covered.
Yes, but according to your contract. Several types of water damage are covered, but certain protections must be added to cover all risks, such as sewer backup or seepage.
Basic protection covers the main situations, but not all. More comprehensive coverage protects your home, your belongings, and your liability to avoid significant financial losses in the event of a claim.
As one of the largest brokerage firms in Quebec, with a team of over 120 brokers 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 coverages that suit you.
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 most adapted to your reality, while ensuring they obtain the best value for your money.
Our team holds several certifications and strictly adheres to 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.
Whether you are an individual, our brokers take the time to offer you protections adapted to your reality.
