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Save on your insurance in Bois-Franc (Saint-Laurent)
- Install an alarm system : deters intrusions, reduces risks.
- Opt for a higher deductible : immediate reduction of your annual premium.
- Loss prevention : maintain roof, plumbing and electrical installations.
- Smart Water Damage Detector : Alerts in case of leakage, limits damage.
What influences the price of home insurance
- Building reconstruction value
- Type of building (condo, house, multiplex, etc.)
- Neighbourhood and associated risks (vandalism, flooding, etc.)
- Security systems in place
- Previous claims
- Amount of the deductible
- Number of occupants and units (in a duplex, for example)
Essential coverages to include in your home insurance
| Recommended Warranty | Description and benefits |
|---|---|
| Civil liability | Covers bodily injury or property damage caused to others. Essential to avoid high legal fees. |
| Water damage | Protects against appliance leaks, sewer backups or infiltration. Crucial for basements and condos. |
| Theft and vandalism | Covers replacement of stolen property and repairs. Important if you are often away from home. |
What type of accommodation can be insured in Bois-Franc (Saint-Laurent)?
- Single-family home : Detached property with full insurance on the building and its contents.
- Condo : Covers your unit, your belongings, and your share of the common elements.
- Apartment / Tenant : Protects your belongings and liability even if you are not a homeowner.
- Chalet : For second homes, with specific seasonal protection.
- Duplex / Plux: For owner-occupiers or investors, with personalized guarantees.
- Mobile home : Specialized insurance depending on location and replacement value.
Why use a comparator for your home insurance in Bois-Franc?
By using our quote tool, you save time and money. Our partner brokers analyze for you the offers best suited to your accommodation in Bois-Franc, according to your needs and your budget. Compare for free, without obligation, to make an informed choice.
Evaluation of property and casualty insurers in Bois-Franc
| Insurer | Google Rating | Benefits |
|---|---|---|
| Intact Insurance | ⭐⭐⭐⭐ (4.2) | Good coverage, fast service |
| The Capital / Beneva | ⭐⭐⭐⭐1/2 (4.5) | Competitive prices, customer service appreciated |
| Promutuel Insurance | ⭐⭐⭐⭐ (4.0) | Personalized, customer-oriented approach |
| SSQ Insurance | ⭐⭐⭐1/2 (3.8) | Flexible rates, varied options |
| Aviva insurance | ⭐⭐⭐⭐ (4.1) | Very good for rental properties |
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Why is home insurance mandatory in Quebec?
It is not legally mandatory, except for co-owners, but it is essential to protect you financially.
Est-ce que je peux changer d’assurance avant la fin de mon contrat ?
Yes, with written notice. Fees may apply depending on your contract.
Comment puis-je réduire ma prime d’assurance ?
By increasing the deductible, installing security systems and shopping with a comparison tool.