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From lease to move, we adapt to your reality
Whether you live alone or with roommates, your home is much more than a roof over your head: it’s where your daily life takes shape. At Assurancia Groupe Tardif, our experts support you to protect your belongings and allow you to enjoy your space with complete peace of mind.
Because every situation is unique, we offer you protections adapted to your reality, your projects, 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 neighbor’s place.
In the event of a covered loss, your personal property such as furniture, clothing, electronic devices, appliances, or tools can be replaced or compensated. This coverage helps you limit the financial impact of an unexpected event.
If your rental becomes uninhabitable following a covered loss, the additional costs related to your temporary accommodation, meals, and certain other reasonable expenses may be covered. You thus benefit from financial support during 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 coverages help you face 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 infiltration and flooding, earthquakes, replacement of your belongings at their new value, equipment breakdown (heat pump, generator, water heater, solar panels, etc.), valuable jewelry and collections, cyber protection, identity theft, enhanced civil liability, increased protection for leasehold improvements or renovations, telecommuting, professional activities at home, or short-term rental and legal assistance. 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 always mandatory, but it is strongly recommended. Some landlords require civil liability insurance to rent a dwelling.
Basic insurance covers your personal property 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, as well as your civil liability in case of damage caused to others.
Yes, it is possible to share the same insurance policy, but each roommate must be declared. Otherwise, certain protections may not apply in the event of a claim.
It depends on the contract. If you are on the same policy, the protection may apply, but if each person has their own insurance, each person is responsible for their own damage.
Even in a roommate situation, everyone has belongings to protect and responsibility to assume. Adapted insurance helps avoid significant costs in the event of a loss or accident.
Being one of the largest brokerage firms in Quebec with a team of over 120 brokers spread across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, efficient, and transparent approach for our insurance services.
On the phone, reach our specialists who support you by adapting to your reality 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 multiple quotes for you to save you time and find the most suitable insurance solution.
Our brokers seek the insurance product most suited to your reality, while ensuring the best value for money.
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.
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.
You are an individual, our brokers take the time to offer you protections adapted to your reality.
