Free Assur360 tool
Inventory of goods
for your home insurance
Document each property in your home with photos, replacement cost and market value. Download a professional PDF for your broker or insurer in the event of a claim.
Create my free inventoryNo credit card required — 100% free
An inventory of property is an essential document for any owner or tenant in Quebec. In the event of a claim — fire, water damage, theft or vandalism — this inventory is your main proof with your insurer. The Autorité des marchés financiers (AMF) recommends that all policyholders maintain an up-to-date inventory of their possessions. The free tool from Assur360, an AMF-certified brokerage firm, allows you to do it easily online.
Why do an inventory of goods?
Major Losses
After a fire or water damage, it is often impossible to remember everything you owned. A detailed inventory eliminates this problem and speeds up your claim.
Full Indemnification
Without proof, insurers only compensate a fraction of the real value. With a complete inventory, you get back the fair value of your belongings — new or marketable depending on your policy.
Adequate coverage
Knowing the total value of your belongings allows you to choose the right amount of coverage. Many Quebecers are underinsured without knowing it.
How does the Assur360 property inventory work?
Create your free account
Enter your email address and a password. That’s all. No credit card, no commitment. You can come back at any time to complete your inventory.
Add your belongings room by room
Navigate through 13 rooms (kitchen, living room, bedrooms, garage, basement, exterior…). For each asset, provide the name, make, model, replacement cost, market value, serial number and add a photo.
Upload your professional PDF
A PDF document is generated with your assets classified by room, subtotals by room , and the grand total (replacement and market value). Take it to your broker or keep it in case of a claim.
Start your inventory now
59 properties on average in a Quebec residence — don’t lose that value in the event of a loss.
Create my free inventoryReplacement cost vs. market value: what’s the difference?
The Assur360 inventory tool allows you to enter two values for each asset : replacement cost and market value. This distinction is fundamental to understanding your home insurance coverage.
| Replacement | CostMarket Value | |
|---|---|---|
| Definition | Price to replace the property with an equivalent new one today | Current value of the property taking into account wear and depreciation |
| Example | TV purchased for $2,500 in 2022 → replacement cost: $ | 2,800TV purchased for $2,500 in 2022 → depreciated value: $1,600 |
| Indemnification | You receive the amount to buy a new | replacementYou receive the current value (often much less) |
| Insurance | premiumHigher premium but better protection | Lower premium but reduced coverage |
| Recommendation | ✓ Recommended for the majority of policyholders | Acceptable on a very tight budget |
💡 Advice from an Assur360 broker
Enter both values in your inventory. In the event of a claim, your broker will be able to advise you on which one to use depending on your type of policy. Replacement cost is especially important for electronics and appliances that depreciate quickly.
Which items should you include in your inventory?
The Assur360 tool allows you to catalog your belongings in 13 different rooms and 12 categories. Here are the main types of property to remember:
🍳 Kitchen
Appliances (refrigerator, stove, dishwasher), small appliances (coffee maker, food processor), quality utensils, pot sets
🛋️ Living room
Television, sound system, sofa, furniture, game consoles, artwork, designer lamps, carpets
🛏️ Rooms
Beds and mattresses, dressers, jewelry and watches, laptops, valuable clothing, musical instruments
💻 Office
Computers, monitors, printers, ergonomic furniture, iPads/tablets, NAS servers, telecommuting equipment
🚗 Garage & Exterior
Bicycles, ski equipment, tools, snowblower, lawnmower, BBQ, patio set, spa, shed, kayak
🏠 Basement
Washer/dryer, freezer, workout equipment, pool table, wine cellar, collections
⚠️ Goods often forgotten
Quebecers frequently forget to include: clothing (cumulative value often > $5,000), tools in the garage, sporting goods (bikes, skis, kayaks), the contents of the shed, and collections (wines, books, vinyls). Don’t underestimate the value of your possessions!
Property Inventory Home Insurance in Quebec
In Quebec, home insurance covers your personal property according to the amount of coverage chosen in your policy. If this amount is less than the true value of your possessions, you are underinsured — a problem that affects thousands of Quebec households every year. By taking a complete inventory, you may discover that the total value of your belongings far exceeds what you thought.
For example, a typical home in Quebec easily contains $80,000 to $150,000 worth of goods when you add up all the furniture, appliances, electronics, clothing, tools and sports equipment. If your insurance policy only covers $50,000 in personal property, a major loss could cost you out of pocket. Compare home insurance prices with the right coverage.
Inventory of goods by city in Quebec
The Assur360 property inventory tool is used by owners and tenants throughout Quebec. Whether you live in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières or Thetford Mines, the tool is available online 24/7. Protect your belongings today by creating your free inventory.
Frequently Asked Questions — Inventory of Assets
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