Residential
Insurance

Assurances Groupe Concorde

FINANCIAL SERVICES FIRM

Residential
InsurancE

Do you know that the insurance of your house, your condominium and your apartment can be adapted to meet your needs?

 

If you have equipment such as a laptop or special items, warranties must be added to your contract.

Under residential insurance, we insure:

  • House - Owner occupied

  • House - Rented to others

  • Condominium - Co-owner occupied

  • Condominium - Rented to others

  • Apartment - Tenant

 

Contact us now

 
 
 
 
 
 
 

❯ Building

This guarantee insures the building in which you reside as a primary residence.

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❯ Detached private structures

This guarantee insures structures or buildings detached from your main dwelling building which are located on your lot.

e.g. shed, detached garage, garden shed

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❯ Personal property

This guarantee insures all your property such as furniture, appliances and clothes. They are covered up to the limit stipulated in the contract.

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❯ Additional living expenses

This guarantee will cover any expenses considered necessary if your house is uninhabitable for a certain period due to a claim.

e.g. hotel, food

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❯ Legal liability

This guarantee protects you from property damages or personal injuries caused to other people. The legal liability protection usually covers damages up to a maximum limit of 1 to 2 millions of dollars.

e.g. - Your tempo flies away due to violent winds and damages another property or person.

        - You forget to close the bathtub faucet in your apartment. The water flows and floods the unit 
          of your neighbor
 below. The legal liability of your home insurance policy will compensate for
          the damages caused to your neighbor.

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❯ Voluntary medical payment

This guarantee insures, up to $5,000 maximum, medical expenses from the following damages:

  • personal injuries that you have unintentionally caused to another person around the world

  • personal injuries suffered by another person at your insured places, in other words, in a place which you are the owner and which you hold an insurance coverage

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❯ Voluntary payment for damage to property

This guarantee insures, up to $1,000 maximum, the reimbursement of property damages caused unintentionally by you to the property of someone else around the world

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In addition to the mandatory basic protection, you can add optional guarantees to your residential insurance contract.

Check out the list below to learn more about these offered guarantees.

 
 
 
 
 
 
 
 

❯ Sewer backup

This optional guarantee insures all sewer backup or sudden water infiltrations coming from:

  • an interior floor drain

  • a sewer

  • a septic tank

  • gutters

  • downspouts

  • sump pump

The amount of this guarantee is your choice.

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❯ Water inlet

This optional guarantee insures, up to $10,000 maximum, the necessary fees of demolition and restoration of the insured premises due to a breakage or misfunctioning of the potable water intake (underground pipes of the city), in order to avoid causing damages to your belongings.

e.g. If the water pipe located on the city's side breaks, your city will be in charge of the repair at no cost to you
       If the breakage is on the side of your property, the cost of the excavation to reach the underground pipe and
       for restoration will be your responsibility or, if you have this protection, your insurance company will be in charge.

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❯ Above ground water damage

This optional guarantee insures your home from all water infiltrations (rain or snow) above ground coming from:

  • the roof

  • the walls

  • the windows

  • the gutters (water leaks)

  • the downspouts

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❯ Body of water overflow (overland water)

This optional guarantee insures your home from overflowing streams such as freshwater from lakes and rivers. This also includes unusual accumulation of rain and spring melting ice.

Admission requirement: Your insurance policy must have the endorsement sewer backup to be
covered.

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Pool, spa & sauna + equipment

This optional guarantee insures your in-ground or above ground pool, outdoor spa and sauna, including their equipment.

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Ground water

This optional guarantee insures your home from all unexpected water infiltrations through your doors or windows at the foundation level.

Admission requirement: Your insurance policy must have the endorsement sewer backup to be covered.

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❯ Fire, explosion and smoke following an earthquake

This optional guarantee insures all damages caused by fire, explosion and smoke following an earthquake.

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To learn more about the coverages offered or to get a quote, contact our specialized brokers in home insurance now!

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Contact us
 
3820, boul. Lévesque O.

Laval (Quebec)  H7V 1E8

 

Tel.: 450 973-2822

Fax.: 450 973-2262

reception@groupeconcorde.ca

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Monday - Friday
9:00 AM - 5:00 PM

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