Insure your self-build

From dream to completion, we adapt to your reality

Your self-build project is more than just a construction site: it’s the realization of a life project.

Whether your project is carried out entirely by yourself or with the participation of contractors, at Assurancia Groupe Tardif, our experts are here to help you by offering insurance solutions designed to protect* your project, your materials, your liability, and your investment throughout the construction.

*If you are building your own home, it is important to take out appropriate insurance from the start of the work. A house under construction presents particular risks that are generally not covered by your standard home insurance.

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Your peace of mind, our protection

Building your own home is an ambitious project that requires time, energy, and investment. Our team supports you with insurance solutions tailored to your reality to protect your project, ongoing work, construction materials, and your liability throughout the different stages of completion.

Civil Liability

In a self-build project, an incident can sometimes lead to material damage or injury to a third party. Civil liability coverage can protect you if you accidentally cause damage to others or if someone is injured on your construction site or property, according to the protections provided in your contract.

Building (under construction)

This coverage protects your residence under construction against covered risks, such as fire, certain water damage, theft, or vandalism. This protection may also cover certain materials and equipment intended for the construction site, according to the guarantees provided in your contract.

Construction Materials

Materials represent a significant part of your investment throughout the project. This protection covers certain construction materials intended for your self-build, whether stored on the site or already integrated into the work, when they are damaged by a covered loss, according to the guarantees provided in your contract.

Outbuildings and temporary structures

During construction, several temporary installations or accessory buildings may be necessary for the smooth running of the site. This protection may cover certain outbuildings and temporary structures, such as sheds, construction shelters, fences, or other installations related to the work, according to the guarantees provided in your contract.

Optional protections

Depending on the nature of your project, several additional protections can be added to your contract to enhance your coverage. For example, equipment breakdown protection can cover certain equipment used in self-build in the event of a covered breakdown. Guarantees may also be offered for additional reconstruction costs, replacement value, liability related to contractors and subcontractors, or certain temporary equipment used on the site. These options allow you to adapt your insurance to the specificities of your project and benefit from more comprehensive protection.

Your questions about self-build insurance

Our teams answer your most frequently asked questions to help you better understand the available protections and choose solutions tailored to your reality.

Can I do the work myself while being insured?

Yes. Whether you carry out part or all of the work yourself, or you use specialized contractors, we can help you find insurance tailored to your self-build project.

Are construction materials covered?

Depending on the chosen protections, your construction materials may be covered against certain risks, such as theft, fire, or vandalism, whether they are stored on the site or already integrated into the construction.

Am I covered if someone gets injured on my construction site?

Depending on the guarantees provided in your contract, your civil liability insurance can protect you if you are held responsible for bodily injury or material damage caused to a third party during construction work.

Are tools and equipment used on the site covered?

Depending on the chosen protections, certain tools, equipment, or machinery used in self-build may be covered against risks such as theft or certain accidental damage.

What happens when construction is complete?

Once your residence is completed and ready to be inhabited, your construction site insurance is generally replaced by home insurance adapted to your new property. Your broker will assist you in this transition.

Do I need to inform my insurer if the project is delayed?

Yes. If the work schedule changes or if the construction completion date is postponed, it is important to inform your broker so that your protection remains adapted to the evolution of your project.

The advantage of our Assurancia Groupe Tardif brokers

As one of the largest brokerage firms in Quebec, 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.

Count on our experts

On the phone, reach our specialists who will support you by adapting to your reality to offer you the best coverage that suits you.

Access multiple insurers

Our experts have access to a vast network of insurers, to obtain the insurance product that best meets your needs.

Save time

Our professionals shop around and compare several quotes for you to save you time and find the most suitable insurance solution.

Get the best value for money

Our brokers seek the insurance product best suited to your reality, while ensuring you get the best value for money.

Have confidence

Our team benefits from several certifications and rigorously 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.

Benefit from proximity

Thanks to our presence in communities and the values that unite us, we understand your reality and remain accessible when you need us.

Guidance when you need it most

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.