Insurance habitation

Home insurance protects your home and everything that makes it so comfortable. Whether you own a house, an apartment or a tenant, home insurance helps you recover financially in the event of the unexpected.

A home insurance policy generally includes

• building structure protection
• insurance for your goods
• liability protection in case of damage or injuries caused accidentally
• additional living expenses if you need to stay elsewhere during repairs

Exactly what coverage you get depends on the type of policy you choose.

Each home has different risks. Home insurance comes in three main levels, allowing you to choose the protection adapted to your property and your budget.

Basic home insurance

A simple and affordable option that protects you from the most common risks.

Basic home insurance generally covers

• Fire and smoke
• theft and vandalism
• windstorms and hail
• Falling objects
• Vehicle impact

Most basic insurance policies also include liability coverage, which covers you if you accidentally damage someone else's property or if someone is injured in your home.

This is the most economical level of coverage.

Standard home insurance

Ideal for most owners and co-owners who want more comprehensive protection.

Standard coverage generally includes

• protection of the structure of your home
• coverage of your personal effects up to the limits of your policy
• liability coverage
• Additional living expenses if you need temporary housing after a covered disaster

It offers a balanced level of coverage with effective protection for an average home.

Full home insurance (all risks)

The most comprehensive level of protection for your home.

Professional multi-risk insurance covers almost all accidental and sudden damage, except for specific exclusions stipulated in your contract. This package includes all the guarantees of the basic and standard contracts, as well as protection for a wide range of additional risks.

This is the highest level of protection and generally the most expensive, but also the most flexible.

You pay a premium and the insurer covers the claims listed in your policy. Coverage varies by province and insurer.

Costs vary depending on the location, type of home, its reconstruction value, level of coverage, and claims history. Some provinces are more affordable than others.

Costs are rising due to weather-related disasters, reconstruction costs, and rising real estate values.

The monthly cost depends on the amount of coverage you have, the province, and the characteristics of your home. We help you compare realistic price ranges.

The best provider depends on where you live and your coverage needs. We compare options to help you find the one that's right for you.

Bundling your insurance by increasing deductibles, improving home security, and choosing the right coverage can lower your premium.

Yes. It protects your home and savings from the unexpected and is required by most mortgage lenders.

In the event of a claim, you file a claim. Your insurer assesses the damage and pays you financial assistance according to the terms of your contract.

Comparing home insurance is one of the easiest ways to save money and ensure that your coverage matches the real needs of your home. You can get quotes in several ways:

1. Go to the offices of individual insurance companies.

A traditional method, but often time consuming.

2. Call insurers directly.

Useful if you have questions, but requires multiple calls.

3. Get quotes on insurers' websites.

Some providers offer online quotations, but not all of them.

4. Use a comparison platform like Clic Prime

Clic Prime allows you to compare multiple Canadian insurers in the same place, without having to enter the same information every time. You receive customized options based on your home, location, and coverage needs.