{"id":20185,"date":"2018-02-21T14:55:43","date_gmt":"2018-02-21T19:55:43","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/"},"modified":"2026-04-10T13:44:41","modified_gmt":"2026-04-10T17:44:41","slug":"umbrella-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/","title":{"rendered":"Umbrella insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/umbrella\/#article\", \"headline\": \"Assurance umbrella\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/umbrella\/\", \"datePublished\": \"2018-02-21T14:55:43\", \"dateModified\": \"2026-03-27T12:38:13\", \"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\"}, \"description\": \"\u00c9largissez votre couverture responsabilit\u00e9 avec une assurance umbrella abordable. Prot\u00e9gez vos actifs contre les incidents impr\u00e9vus. En savoir plus.\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">HABITATION<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Assurance maison au Qu\u00e9bec<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Propri\u00e9taires : couvrez maison, biens et responsabilit\u00e9 civile.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"\/?page_id=16465\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Soumission habitation<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2024\/02\/orso-courtier-assurance-maison.png\" alt=\"Orso, courtier d'assurance maison au Qu\u00e9bec\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\" \/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/#Umbrella-insurance-extended-protection-for-you-and-your-belongings\" >Umbrella insurance: extended protection for you and your belongings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/#Choosing-supplemental-insurance-for-individuals\" >Choosing supplemental insurance for individuals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/umbrella-insurance-2\/#Affordable-umbrella-insurance\" >Affordable umbrella insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Umbrella-insurance-extended-protection-for-you-and-your-belongings\"><\/span>Umbrella insurance: extended protection for you and your belongings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">As you get older, it is quite normal to accumulate a few assets and increase your assets, starting with the main residence, a <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/\">rental investment<\/a>, some investments and financial products, etc. But what will happen when an incident occurs that endangers his or her assets?  What happens when the insurance policy does not cover the insured&#8217;s liability on all of their property and assets?<\/p>\n\n<p class=\"wp-block-paragraph\">This is where Assur360 comes in, which makes sure to raise awareness of the need to take out excess liability coverage for individuals. This type of coverage is commonly referred to in Canada as umbrella insurance. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choosing-supplemental-insurance-for-individuals\"><\/span>Choosing supplemental insurance for individuals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">This insurance has the undeniable advantage of extending civil liability coverage, whether in the context of <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home or<\/a> <a href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/what-change-should-i-make-to-car-insurance\/\">car insurance<\/a>. In order to better understand the usefulness of such coverage, let&#8217;s imagine that a loss has occurred in a second home, for example, and that the value of the damage is estimated at some four million dollars. In the event that home insurance does not cover all the damage caused, it would be wise to have umbrella insurance that allows you to extend the limit of civil liability and better protect your assets and assets.  <\/p>\n\n<figure class=\"wp-block-image alignright\"><a href=\"\/\"><img decoding=\"async\" width=\"960\" height=\"384\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2018\/02\/assurance-umbrella.jpg\" alt=\"Umbrella\" class=\"wp-image-3196\" title=\"Umbrella Insurance Broker\"  sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/a><\/figure>\n\n<p class=\"wp-block-paragraph\">In the event that the civil liability insurance contract has some shortcomings in terms of clauses or guarantees, it is better to supplement it with umbrella insurance. Indeed, certain exclusions may be noted in the initial contract, in particular moral damages considered as personal injury. This is usually insured by excess insurance policies. Suppose a child falsely accuses another person of sexual assault. In the event of legal proceedings against the <a title=\"child\" href=\"https:\/\/www.operationenfantsoleil.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">child<\/a>, the insured, i.e. the parent, can spend a fortune on such costs and this is where umbrella insurance comes in, which covers this type of expense.    <\/p>\n\n<p class=\"wp-block-paragraph\">This insurance is also activated in the event of a lawsuit for mismanagement of an organization managed by the insured voluntarily (NPO). As a result, the guarantees of umbrella insurance even cover the status of volunteer director or officer at a time when other coverages do not cover such incidents. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Affordable-umbrella-insurance\"><\/span>Affordable umbrella insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Contrary to what you may think, umbrella insurance, even if it covers many exclusions, is not only reserved for the wealthy. Indeed, it is accessible to everyone to insure a second home, a recreational vehicle such as <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/properly-insuring-a-boat-or-personal-watercraft-2\/\">a boat<\/a>, a property used as a rental investment, financial investments, legal proceedings engaging the civil liability of the insured, among others. <\/p>\n\n<p class=\"wp-block-paragraph\">Such protection is very useful in many situations and yet it remains very accessible and the rates charged are affordable in terms of the guarantees offered and their degree of coverage. In order to take out tailor-made umbrella insurance, it is always recommended to use a specialized broker who can offer adequate coverage according to the needs and expectations of his client. <\/p>\n\n<p class=\"wp-block-paragraph\">* The text is for illustrative purposes only. Your broker will be able to explain to you which insurer&#8217;s product best meets your needs. <\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><\/summary>\n\n<\/details>\n\n\n\n<details id=\"quelle-franchise-choisir-pour-son-assurance-habitation\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Which deductible should you choose for your home insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A higher deductible reduces your annual premium, but you&#8217;ll have to pay more in the event of a claim. In general, a deductible of $500 to $1,000 provides a good balance. <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-habitation\">Consult the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> to understand the impact on your coverage. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Compare submissions<\/a>.  <\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/insurance\/umbrella\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/insurance\/umbrella\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/insurance\/umbrella\/#\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Umbrella insurance: extended protection for you and your belongings As you get older, it is quite normal to accumulate a few assets [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Umbrella Insurance Quebec \u2014 Extra Liability Coverage | Assur360","_seopress_titles_desc":"Expand your liability coverage with affordable umbrella insurance. Protect your assets from unforeseen incidents. Learn more.  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