{"id":19952,"date":"2023-04-10T16:37:55","date_gmt":"2023-04-10T20:37:55","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/home-insurance-during-a-power-outage-2\/"},"modified":"2026-04-19T21:11:23","modified_gmt":"2026-04-20T01:11:23","slug":"home-insurance-during-a-power-outage-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-during-a-power-outage-2\/","title":{"rendered":"Home insurance and power outage in Quebec in 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.a360-up{font-family:'Sora','DM Sans',system-ui,sans-serif;color:#0d1f2d}\n.a360-up-hero{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:50px 32px;border-radius:16px;text-align:center;margin:24px 0}\n.a360-up-hero .badge{display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;padding:6px 16px;border-radius:20px;font-size:12px;font-weight:600;letter-spacing:.5px;margin-bottom:14px}\n.a360-up-hero .h1,.a360-up-hero h1{color:#fff !important;font-size:34px;line-height:1.2;margin:0 0 14px;font-weight:700}\n.a360-up-hero p{color:#cbd5e1;font-size:17px;max-width:700px;margin:0 auto 22px}\n.a360-up-hero a{display:inline-block;background:#10c4c7;color:#0d1f2d !important;padding:12px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;margin:4px}\n.a360-up-hero a:hover{background:#0fb3b6;color:#0d1f2d !important}\n.a360-up-hero a.btn-out{background:transparent;color:#fff !important;border:2px solid #fff}\n.a360-up-hero a.btn-out:hover{background:#fff;color:#0d1f2d !important}\n.a360-up-eeat{background:#f0fdfa;padding:28px;border-radius:12px;margin:32px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}\n.a360-up-eeat .e b{display:block;color:#0d1f2d;font-size:15px;margin-bottom:6px}\n.a360-up-eeat .e b:before{content:'\\2713  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class=\"badge\">POWER FAILURE \u00b7 WATER DAMAGE \u00b7 2026<\/div>\n<div class=\"h1\">What does home insurance cover during a power outage?<\/div>\n<p>Perishables, cold room breakage, basement water damage, living expenses \u2014 here&#8217;s your coverage in 2026.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Home Quote<\/a>\n<a href=\"tel:+18663574451\" class=\"btn-out\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n<\/div>\n\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/que-couvre-lassurance-habitation-lors-dune-panne-delectricite\/#article\",\"headline\":\"Assurance habitation et panne d'\u00e9lectricit\u00e9 au Qu\u00e9bec : ce qui est couvert (2026)\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/que-couvre-lassurance-habitation-lors-dune-panne-delectricite\/\",\"datePublished\":\"2023-04-10T16:37:55\",\"dateModified\":\"2026-04-19T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"about\":{\"@type\":\"Thing\",\"name\":\"Assurance habitation et panne d'\u00e9lectricit\u00e9\"},\"mentions\":[{\"@type\":\"Organization\",\"name\":\"Hydro-Qu\u00e9bec\",\"url\":\"https:\/\/www.hydroquebec.com\"},{\"@type\":\"Organization\",\"name\":\"Bureau d'assurance du Canada\",\"url\":\"https:\/\/www.bac-quebec.qc.ca\"},{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}],\"description\":\"Que couvre votre assurance habitation lors d'une panne d'\u00e9lectricit\u00e9 au Qu\u00e9bec : nourriture perdue (1000-1500$), dommages caus\u00e9s par le vent, gel de tuyaux, surtensions, et \u00e9tapes pour r\u00e9clamer.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance habitation au Qu\u00e9bec\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Assurance habitation et panne d'\u00e9lectricit\u00e9\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/que-couvre-lassurance-habitation-lors-dune-panne-delectricite\/\"}]}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 30px;border-radius:12px;margin-bottom:40px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:10px;font-weight:600;\">Home insurance guide 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:34px;line-height:1.2;margin:0 0 18px 0;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Power-outage-what-your-home-insurance-really-covers\"><\/span>Power outage: what your home insurance really covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#b0c4d8;font-size:18px;max-width:760px;margin:0 auto 14px auto;line-height:1.6;\">Ice storms, strong winds, a post-Helena tropical storm, Hydro-Qu\u00e9bec outages: <strong style=\"color:#ffffff;\">up to $1,500 in lost food<\/strong>, damage caused by trees, frozen pipes and power surges. Compare your coverage in 3 minutes. <\/p>\n  <p style=\"color:#64748b;font-size:14px;margin:0 0 28px 0;\">Free quote with an AMF-certified broker \u00b7 No obligation<\/p>\n  <div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;\">Compare my home<\/a>\n protection<a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid rgba(255,255,255,0.3);\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">$1,500<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Typical Limit Lost Food<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Time limit for notifying the insurer<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">3<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Formulas: basic, scope, all-risk<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">$0<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Possibility to claim from Hydro-Qu\u00e9bec<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">In Quebec, a <strong>power outage<\/strong> lasting several hours \u2013 or days \u2013 can result in significant financial losses: frozen food to be thrown away, frozen pipes, damage to electronic devices, or even trees falling on the house. The good news: your <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> covers the majority of these situations, provided that the breakdown is caused by a <strong>covered peril<\/strong> (storm, ice, strong winds) and that you respect the reporting deadlines. This guide explains exactly <strong>what&#8217;s covered, what&#8217;s excluded, and how to effectively claim<\/strong> after an outage \u2014 based on current practices for Quebec insurers in 2026.  <\/p>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:center;\">\n    <figure style=\"margin:0;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2023\/04\/assurance-panne-de-courant-hydro-quebec.png\" style=\"width:100%;height:auto;border-radius:16px;\" alt=\"Hydro-Qu\u00e9bec power outage and home insurance\"\/><\/figure>\n    <div>\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n      <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"The-essentials-to-remember-before-the-next-outage\"><\/span>The essentials to remember before the next outage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 12px;\">In Quebec, more than <strong>1.2 million Hydro-Qu\u00e9bec customers<\/strong> were affected by ice storms and windstorms in 2023-2024. A breakdown covered by your home insurance may entitle you to: <strong>lost food ($1,000-1,500),<\/strong> damage caused by trees, frozen pipes, power surges on appliances, and living expenses if your home becomes uninhabitable. <\/p>\n      <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> Your insurer does not cover breakdowns caused by a simple service outage (planned outage). It is the <strong>triggering event<\/strong> (wind, ice, lightning) that determines the cover. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Frozen-and-refrigerated-food-the-most-used-cover\"><\/span>1. Frozen and refrigerated food: the most used cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If you have several hundred dollars worth of meat, fish, vegetables or prepared meals in your freezer, you should know that <strong>lost food is generally covered<\/strong> by <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> from the basic formula, when the breakdown is caused by a covered peril (windstorm, ice, lightning, accident on the Hydro network). Most insurers impose a <strong>limit per claim between $1,000 and $1,500<\/strong>, sometimes $2,000 for &#8220;all-risk&#8221; formulas. <\/p>\n\n<p class=\"wp-block-paragraph\">A small subtlety: the <strong>deductible applies<\/strong>. If your deductible is $500 and you lose $1,200 worth of food, you will receive $700. Do the math before you claim \u2014 a claim can increase your premium by 5% to 15% at renewal.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:32px;margin:32px 0;border:2px solid #10c4c7;\">\n  <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">BROKER ADVICE<\/p>\n  <p style=\"color:#ffffff;font-size:17px;line-height:1.7;margin:0;\"><strong>Before throwing away the contents of your freezer<\/strong>, take 10 detailed photos (visible labels, expiry dates, overview), take a <strong>written inventory with estimated values<\/strong>, and email it to your broker. Keep some packaging as proof. Hunters can also claim for <strong>game meat<\/strong>, including transportation and processing costs at the butcher&#8217;s shop.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-Property-damage-caused-by-the-storm-trees-branches-seepage\"><\/span>2. Property damage caused by the storm (trees, branches, seepage)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If a tree fell on your roof, shed or car during the storm that caused the breakdown, it is usually <strong>covered by the extended or all-risk plan<\/strong> of <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a>. This includes: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83c\udfe0 Roof and building<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Repair of torn shingles, soffits, gutters, chimneys damaged by a falling tree.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83c\udf32 Tree removal<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Pruning and collection costs covered <em>only if<\/em> the tree has caused damage to an insured property (roof, fence, car).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\ude97 Damaged vehicle<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Covered under your <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">car insurance<\/a> if you have <strong>&#8220;all-risk&#8221;<\/strong> or &#8220;specific perils&#8221; coverage (chapter B).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\udca7 Water infiltration<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Water that enters through an opening created by the storm: covered. Sewer backup: requires the <strong>flood endorsement<\/strong>. <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><strong>Landscaping<\/strong> (flowers, shrubs, grass) is typically <em>excluded<\/em>, unless there is a specific amendment. The costs of removing branches that have fallen into the yard <em>without damage to an insured property<\/em> are also not reimbursed. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-Frozen-pipes-and-water-damage-during-the-outage\"><\/span>3. Frozen pipes and water damage during the outage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">This is the most expensive scenario of an extended winter outage: your home drains of heat, pipes freeze, and then burst as it thaws \u2014 causing water damage of <strong>$10,000 to $100,000<\/strong> depending on the floor where the leak occurs. Coverage depends on your behavior during the outage: <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:24px 0;\">\n  <p style=\"color:#b91c1c;font-size:15px;font-weight:700;margin:0 0 10px;text-transform:uppercase;letter-spacing:1px;\">\u26a0 Caution \u2014 Insured&#8217;s obligation<\/p>\n  <p style=\"color:#1e293b;font-size:16px;line-height:1.7;margin:0;\">If your home remains <strong>vacant for more than 4 days in the winter<\/strong> without a working heating system, your insurer may deny the claim for frozen pipes. You must: <strong>(1) turn off the water to the building<\/strong> and drain the pipes, <strong>OR (2) have someone check the house every 12 hours<\/strong> and keep the heat on. Document your efforts.  <\/p>\n<\/div>\n\n<p class=\"wp-block-paragraph\">If in doubt, contact your <strong>insurance broker at the beginning of the outage<\/strong>. Many insurers offer <em>temporary tolerance<\/em> in the event of a reported widespread outage. This is also the time to consult our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">Disaster Emergency<\/a> guide for emergency procedures.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4-Electrical-surges-and-burnt-out-electronics\"><\/span>4. Electrical surges and burnt out electronics<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">When power comes back on after a long outage, <strong>transient power surges<\/strong> can burn out TVs, computers, connected appliances, and home automation systems. Coverage depends on the contract: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Extended formula<\/strong> : generally covers damage to appliances caused by <em>a variation in current from outside<\/em> (Hydro-Qu\u00e9bec network). Typical limit: $1,000 to $5,000 per claim. <\/li>\n<li><strong>All-Risk Formula<\/strong> : Covers a wider variety of causes, including lightning. Check the <strong>list of exclusions<\/strong>. <\/li>\n<li><strong>Computer Equipment Endorsement<\/strong> : Recommended if you have high-end equipment ($&gt;3,000) or a <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">home office<\/a>.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Tip: A <strong>quality surge protector (UL 1449 Category 4)<\/strong> costs $30 to $80 and can avoid a claim. Post-recommissioning surge waves are a known cause of big losses \u2014 the best electronics deserve this protection. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Quick Quote<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Is-your-coverage-up-to-date\"><\/span>Is your coverage up to date?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;max-width:600px;margin-left:auto;margin-right:auto;\">Compare 9 Quebec insurers in 3 minutes \u2014 discover the limits of your current plan and the useful riders for Hydro outages and storms.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free home quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Living-expenses-if-your-home-becomes-uninhabitable\"><\/span>5. Living expenses if your home becomes uninhabitable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If the breakdown or associated damage makes your home <strong>unfit for habitation<\/strong> (no extended heating in winter, major water damage, collapsed roof), your home insurance covers <strong>additional living expenses (HSPs<\/strong> ): hotel, restaurant meals, additional daycare fees, temporary garage for vehicles, etc.<\/p>\n\n<p class=\"wp-block-paragraph\">Coverage is typically <strong>20% of the amount insured on the building<\/strong> (e.g., $80,000 on an insured home $400,000) or for <strong>12 to 24 months<\/strong> depending on the contract. Keep all receipts. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-Comparison-chart-what-is-covered-vs-excluded-after-an-outage\"><\/span>6. Comparison chart: what is covered vs. excluded after an outage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px;text-align:left;border:1px solid #0d1f2d;\">Location<\/th>\n<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Basic<\/th>\n Formula<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Extended<\/th>\n formula<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">All risks<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Lost food (limit $1,000-1,500)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Tree fallen on the house or shed<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Frozen pipes (house occupied\/heated)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Electronic Surge (Hydro Dimming)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Living expenses (hotel, meals)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Sewer backup (flooded basement)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\">Endorsement<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Surface Water<\/td> <td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">Flooding\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\">Endorsement Endorsement<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\"><\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Landscaping (flowers, shrubs)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\">Endorsement<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-How-to-Claim-After-an-Outage-6-Steps\"><\/span>7. How to Claim After an Outage: 6 Steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:24px 0;\">\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">1<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Document before you touch anything<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">High resolution photos of the freezer, the fridge, the fallen tree, the house without heat. Panoramic video. Note the start time of the outage.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">2<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Immediate precautionary measures<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Cover the roof, turn off the water if it freezes, move belongings, close a broken window. It is a <em>legal obligation of the insured<\/em> to limit the damage. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">3<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Contact your broker within 48 hours<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Call 1-866-357-4451 at Assur360. The broker explains the deductible, the possible impact on the premium and the relevance of claiming. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">4<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Prepare the loss inventory<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Detailed listing with replacement value (not purchase value). For food: current price at the grocery store. For electronics: exact model + invoice if possible.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">5<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Keep ALL receipts<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Hotel, restaurant, rented generator, emergency plumber, transportation. These expenses are reimbursable under &#8220;Additional Living Expenses&#8221; (HSS). <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">6<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Follow-up of the claim<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Write down the adjuster&#8217;s name, number, and date of call. Legal deadlines: insurer&#8217;s decision within 60 days, payment within 30 days of the agreement. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-Why-you-cant-almost-claim-Hydro-Quebec\"><\/span>8. Why you can&#8217;t (almost) claim Hydro-Qu\u00e9bec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Many Quebecers think that <strong>Hydro-Qu\u00e9bec<\/strong> must reimburse the losses caused by its outages. The reality is more nuanced. According to the Crown corporation&#8217;s terms of service, Hydro is only liable for damages caused by <strong>gross negligence and intent<\/strong> \u2014 which almost always excludes storms, ice, high winds, falling trees and non-negligent equipment failures.  <\/p>\n\n<p class=\"wp-block-paragraph\">You can consult the <a href=\"https:\/\/pannes.hydroquebec.com\/pannes\/\" target=\"_blank\" rel=\"nofollow noopener\">Hydro-Qu\u00e9bec outage portal<\/a> to check the official cause (wind, equipment failure, intervention required). This information is useful for your insurance file, as the insurer will require to know the <strong>root cause<\/strong> of the outage to confirm coverage. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9-Precautions-to-limit-losses-during-the-next-outage\"><\/span>9. Precautions to limit losses during the next outage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\u26a1 Backup generator<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">A 5-7 kW generator ($\u22481,500-3,000) protects the fridge, freezer and essential heating. Often paid for itself in 1-2 breakdowns. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83d\udd0c UL 1449 Surge Protectors<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Cat. 4 on the main entrance + Cat. 3 on sensitive sockets. Total cost\u2248 $200-400 installed.   <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83c\udf21 Smart Thermostat<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Telephone alert if the indoor temperature drops below 10\u00b0C \u2014 you gain several hours before the pipes freeze.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83d\udce6 Up-to-date inventory<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Annual photo of the fridge + freezer + electronics. Stored on the cloud (Google Drive, iCloud). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10-Regions-of-Quebec-most-affected-by-outages\"><\/span>10. Regions of Quebec most affected by outages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Hydro-Qu\u00e9bec statistics show that certain regions are more exposed to prolonged outages due to their geography, forest cover and weather phenomena: <strong>Mont\u00e9r\u00e9gie<\/strong>, <strong>Estrie<\/strong>, <strong>Laurentians<\/strong>, <strong>Outaouais<\/strong>, <strong>Mauricie<\/strong> and <strong>the east end of Montreal<\/strong>. If you live in one of these zones, ask your broker to review your support limits and the appropriateness of a <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/flood-insurance\/\">flood<\/a> or <a href=\"https:\/\/www.assur360.ca\/en\/earthquake-insurance-complete-guide-price-and-deductible\/\">earthquake<\/a> endorsement. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-Home-Insurance-and-Power-Outages\"><\/span>FAQs \u2014 Home Insurance and Power Outages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does home insurance reimburse ALL power outages?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">No. Coverage only applies when the breakdown is caused by a <strong>peril covered<\/strong> by your contract: windstorm, ice, lightning, accident on the Hydro network. <em>Planned breakdowns<\/em> (maintenance) and outages for non-payment are not covered. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the reimbursed limit for lost food?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The majority of Quebec insurers cover <strong>$1,000 to $1,500 per claim<\/strong>, sometimes up to $2,000 in the all-risk formula. Check the &#8220;Endorsements and special limits&#8221; section of your contract. The deductible applies.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Do you need photos to claim food loss?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes \u2014 it has become practically mandatory. Before throwing anything away, take 8-10 detailed photos (labels, dates, overview) and make a written inventory with estimated values. Without proof, the insurer may deny or reduce the claim.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are my electronics burned out by a power surge covered?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes in extended or all-risk formula, when the surge comes from the external grid (Hydro, indirect lightning). Typical limit: $1,000-5,000. For professional computer equipment or a high-end home theater, ask for an <strong>electronic equipment endorsement<\/strong>.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can I claim the cost of a generator rental?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, under <strong>the Additional Living Expenses (HSF),<\/strong> provided that the breakdown and associated damage render your unit temporarily uninhabitable. Keep the rental receipt and the fuel used. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What if the outage lasts several days and my pipes freeze?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Covered <em>if you are occupying the house<\/em> and could not reasonably maintain the heat. If the house is left vacant <strong>for more than 4 days in winter<\/strong> without emptying or supervision, the insurer may refuse. Document your efforts (generator, monitoring by neighbour, draining the network).  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can Hydro-Qu\u00e9bec reimburse me for my losses?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Practically never. Hydro-Qu\u00e9bec is only liable for damage caused by <strong>gross negligence and intentional misconduct<\/strong>, which excludes storms, wind, ice, falling trees and normal failures. Your <strong>home insurance<\/strong> takes over.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does a breakdown claim increase my premium?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, usually <strong>5-15%<\/strong> at renewal, and the claim remains on file for 5-7 years. For an $800 loss with a $500 deductible, the $300 refund may cost more than not claiming. Ask your broker before depositing.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How long do I have to notify my insurer?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">No law sets an exact deadline, but most contracts require notice &#8221; <strong>as soon as possible<\/strong> &#8220;, typically 48 to 72 hours. For major disasters (tree on the house, water damage), call immediately. For food loss, within a week.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Am I covered if I am a tenant and there is a breakdown?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, your <a href=\"https:\/\/www.assur360.ca\/?page_id=13244\">tenant insurance<\/a> covers your belongings (kitchen fridge, electronics) and living expenses if the apartment becomes uninhabitable. The building itself is the owner&#8217;s business. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>And for my condo: who pays what after a breakdown?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Your <a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">condo insurance<\/a> covers your personal belongings, leasehold improvements, and the condo deductible. The common areas (elevator, boiler room, generator of the building) are the responsibility of the syndicate&#8217;s police. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Which formula should you choose to be well covered in the event of a breakdown?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The <strong>extended formula<\/strong> is the recommended minimum: it adds coverage for damage to appliances due to current variations and falling trees. For high-risk regions (Mont\u00e9r\u00e9gie, Estrie), consider the <strong>all-risk + flood endorsement formula<\/strong> . Compare 9 insurers with your Assur360 broker.  <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"L'assurance habitation rembourse-t-elle TOUTES les pannes d'\u00e9lectricit\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La couverture s'applique seulement quand la panne est caus\u00e9e par un p\u00e9ril couvert : temp\u00eate, verglas, foudre, accident sur le r\u00e9seau Hydro. Les pannes planifi\u00e9es et coupures pour non-paiement ne sont pas couvertes.\"}},\n{\"@type\":\"Question\",\"name\":\"Quelle est la limite rembours\u00e9e pour les aliments perdus ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La majorit\u00e9 des assureurs qu\u00e9b\u00e9cois couvrent 1 000 $ \u00e0 1 500 $ par sinistre, parfois jusqu'\u00e0 2 000 $ en formule tous risques. La franchise s'applique.\"}},\n{\"@type\":\"Question\",\"name\":\"Faut-il avoir des photos pour r\u00e9clamer la perte d'aliments ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui \u2014 c'est devenu pratiquement obligatoire. Avant de jeter quoi que ce soit, prenez 8-10 photos d\u00e9taill\u00e9es et faites un inventaire \u00e9crit. Sans preuve, l'assureur peut refuser ou r\u00e9duire la r\u00e9clamation.\"}},\n{\"@type\":\"Question\",\"name\":\"Mes appareils \u00e9lectroniques grill\u00e9s par une surtension sont-ils couverts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui en formule \u00e9tendue ou tous risques, quand la surtension provient du r\u00e9seau ext\u00e9rieur. Limite typique 1 000-5 000 $. Pour \u00e9quipement haut de gamme, demandez un avenant \u00e9quipement \u00e9lectronique.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je r\u00e9clamer le co\u00fbt d'une location de g\u00e9n\u00e9ratrice ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, sous les frais de subsistance suppl\u00e9mentaires (FSS), \u00e0 condition que la panne et les dommages rendent votre logement temporairement inhabitable. Conservez le re\u00e7u.\"}},\n{\"@type\":\"Question\",\"name\":\"Et si la panne dure plusieurs jours et que mes tuyaux g\u00e8lent ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Couvert si vous occupez la maison et ne pouviez raisonnablement pas maintenir la chaleur. Si vacante plus de 4 jours en hiver sans vidange ni surveillance, l'assureur peut refuser.\"}},\n{\"@type\":\"Question\",\"name\":\"Hydro-Qu\u00e9bec peut-elle me rembourser mes pertes ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pratiquement jamais. Hydro-Qu\u00e9bec n'est responsable que des dommages caus\u00e9s par une faute lourde et intentionnelle, ce qui exclut temp\u00eates, vent, verglas et chute d'arbres.\"}},\n{\"@type\":\"Question\",\"name\":\"Une r\u00e9clamation pour panne fait-elle augmenter ma prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, g\u00e9n\u00e9ralement de 5 \u00e0 15 % au renouvellement, et reste au dossier 5 \u00e0 7 ans. Demandez \u00e0 votre courtier avant de d\u00e9poser une petite r\u00e9clamation.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien de temps ai-je pour aviser mon assureur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des contrats demandent un avis dans les meilleurs d\u00e9lais, typiquement 48 \u00e0 72 heures. Pour les sinistres majeurs, appelez imm\u00e9diatement.\"}},\n{\"@type\":\"Question\",\"name\":\"Suis-je couvert si je suis locataire et qu'il y a une panne ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, votre assurance locataire couvre vos biens et les frais de subsistance si l'appartement devient inhabitable. Le b\u00e2timent rel\u00e8ve du propri\u00e9taire.\"}},\n{\"@type\":\"Question\",\"name\":\"Et pour mon condo : qui paie quoi apr\u00e8s une panne ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Votre assurance condo couvre vos biens personnels, vos am\u00e9liorations locatives et la franchise de la copropri\u00e9t\u00e9. Les parties communes rel\u00e8vent de la police du syndicat.\"}},\n{\"@type\":\"Question\",\"name\":\"Quelle formule choisir pour \u00eatre bien couvert lors des pannes ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La formule \u00e9tendue est le minimum recommand\u00e9. Pour les r\u00e9gions \u00e0 risque \u00e9lev\u00e9, consid\u00e9rez la formule tous risques + avenant inondation.\"}}\n]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Go-further\"><\/span>Go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcd8 Home insurance guide 2026<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">All about formulas, deductibles and endorsements in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/flood-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udf27 Flood Endorsement<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Sewer backup, surface water: what you need to know.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udea8 Disaster Emergency<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Steps to react quickly and well after a major disaster.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/earthquake-insurance-complete-guide-price-and-deductible\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udf0d Earthquake<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">An endorsement that is often forgotten \u2014 yet essential in Quebec.<\/p>\n  <\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 24px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">PROTECT YOURSELF BEFORE THE NEXT OUTAGE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Free-home-quote-in-3-minutes\"><\/span>Free home quote in 3 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;max-width:620px;margin-left:auto;margin-right:auto;\">9 insurers compared. Average savings: $280\/year. AMF advisors, without obligation.  <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;\">Compare Quotes<\/a>\n    <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;color:#94a3b8;font-style:italic;text-align:center;margin-top:24px;\">This article is for informational purposes. The exact terms of coverage vary depending on your contract and your insurer. For advice tailored to your situation, consult an AMF-certified insurance broker.  <\/p>\n\n<div class=\"a360-up\">\n<div class=\"a360-up-eeat\">\n<div class=\"e\"><b>AMF licence n\u00ba 2000037336<\/b><span>Damage insurance firm for more than 30 years.<\/span><\/div>\n<div class=\"e\"><b>Member ChAD<\/b><span>Chambre de l&#8217;assurance de dommages \u2014 strict deontology.<\/span><\/div>\n<div class=\"e\"><b>100K+ Quebecers<\/b><span>Families and businesses served since our beginnings.<\/span><\/div>\n<\/div>\n<div class=\"a360-up-cta\">\n<h2><span class=\"ez-toc-section\" id=\"Request-your-free-Assur360-quote\"><\/span>Request your free Assur360 quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Shopping among 15+ insurers in Quebec \u2014 an AMF broker dedicated to your service.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" class=\"b1\">Home Quote<\/a>\n<a href=\"tel:+18663574451\" class=\"b2\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>POWER FAILURE \u00b7 WATER DAMAGE \u00b7 2026 What does home insurance cover during a power outage? Perishables, cold room breakage, basement water [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":55255,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Power Outage Home Insurance Quebec 2026 | Assur360","_seopress_titles_desc":"What does home insurance cover during a power outage in Quebec in 2026? Perishables, water damage, hotel. Guide by AMF broker.  ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Home insurance during a power outage?","_seopress_social_fb_desc":"Compare the best home insurance offers in Quebec. AMF certified broker.  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