Residential insurance: find your ideal protection
Whether you are an owner, tenant, or co-owner, we understand that your home is precious and requires suitable insurance.
As home insurance brokers, our mission is to support you throughout your insurance search.
Understand your home insurance contract for peace of mind
When purchasing insurance for your home, make sure you understand what is included in your contract in order to have adequate protection in the event of a claim. It is important to know the basics.
Protection in case of unintentional damage
If someone is injured in your home or if you damage something at the neighbors by accident, your home insurance protects you with the “Liability” and will cover the costs related to these damage.
Protection for your home
If your house suffers a fire, burglary or a water damage*, home insurance protects your home and helps repair or rebuild your house
Protection of your persanal property
Home Insurance will cover damage caused to your personal property (furniture, clothing, computers, etc.) if it is damaged inside your home due to theft, fire, or water leak*.
Save money easily on your residential insurance premium
As a home insurance broker, we advise you to make some adjustments in order to reduce the cost of your home insurance policy.
- Above all, don’t over-insure your home. Estimate it well and choose the protection adapted to your real needs.
- Increasing your deductible may reduce the premium, but make sure to be able to pay it in the event of a loss.
- Install security devices such as alarms or smoke detectors. This protects your home and can even make you save money on your insurance.
- Review your insurance policy annually to adjust the coverage and discover new offers or discounts.
- Consider grouping together all your insurance (car insurance and home) with a single insurance company. It could give you some discount.
- Do you have a good credit rating? If so, this could reduce the cost of your insurance.
By following these advise you should be able to control and even lower the price of your home insurance
Our advice as insurance experts
For peace of mind, take the time to fully understand your home insurance contract, including what is excluded (earthquakes, etc.) to avoid unpleasant surprises in the event of a claim.
Maintain regular communication with your broker. Do not hesitate to ask questions, to clarify doubts, or to inform them of any changes which may affect your contract.
How to obtain a quote quickly?
To get a quote for your home or personal belonging or condominium insurance, it’s quick and easy. You can do it online using our virtual assistant, or if you prefer you can call a broker at 833-978-3135.
Before contacting us, it is preferable to have information on your home. This information includes the address, surface area, building type, year of construction, security systems in place or if you are near a fire hydrant...
We will evaluate your needs and give you a personalized quote with the best prices and protections adapted to your situation.
Frequently asked questions
Q: Is home insurance mandatory in Quebec?
No, home insurance is not mandatory in Quebec. However, it is strongly recommended to subscribe to home insurance to protect your home and property.
Q: Why should I choose Assurancia Groupe Tardif for my home insurance?
Assurancia Groupe Tardif is an experienced brokerage firm, with 70 years of experience in the insurance field (auto insurance, home...). We work in partnership with renowned insurers to offer you best possible coverage. In addition, our team of brokers is there to support you and advise you for all your insurance needs.
Q: What is the difference between Homeowners insurance and tenant insurance ?
Homeowners insurance covers the building, personal property and liability. In contrast,Tenant insurance cover only personal property and liability.
Q: What is the average price of home insurance?
The cost of home insurance depends on the value of the property, its location, the type of building, the proximity or not to the fire station, your previous claims history, the coverage desired. At Assurancia Groupe Tardif, we carefully analyze your needs to offer you the best protection at the fairest price. Do not hesitate to contact us to obtain a quote that will meet your expectations and your budget.
Are you having difficulty insuring your home?
Assurancia Groupe Tardif specializes in second chance insurance and has a team that is entirely dedicated to finding solutions for you!