End of the agricultural season
6 min
Information to have on hand
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured
- The date of signing with the notary, if known
For your property
- Type of property and year of construction
- Living area, excluding the basement
- Exterior siding (brick, stone, vinyl, aluminum, etc.)
- Primary heating system
- Type of electrical wiring and panel amperage and plumbing
- Condition of the roof Alarm system, if applicable (type of protection)
- Major renovations completed, if applicable
For your contents
- High-value items to be insured separately (jewellery, collections, artwork, bicycle, etc.)
Home insurance, to protect your home and everything connected to it
Your home is one of the most important investments of your life. Home insurance protects your building, your personal property, and additional living expenses if you need to leave your home after a covered loss.
It also includes general liability protection. If you accidentally cause damage to another person, your insurance may cover a claim or lawsuit, anywhere in the world.
At La Turquoise, our brokers advise you on finding the right coverage. They guide you in choosing your protections and endorsements, at every stage of your life.
Contact us for a quote
Recommended coverage
Water damage, fire, theft, or a general liability lawsuit can happen without warning. Here is what home insurance for homeowners covers, from the structure to personal property.
General liability
If you accidentally cause damage to another person or their property, this coverage may pay for legal fees and amounts owing. It applies at home and anywhere in the world and may also cover family members living under your roof.
- A visitor is injured after a fall at your front entrance
- Your pet causes damage at a neighbour’s home
- An incident leads to a lawsuit and legal fees
Personal property
Your furniture, clothing, appliances, and electronics may be repaired or replaced if they are damaged or stolen. This coverage applies to what you have in your home
- A fire damages your furniture and appliances
- Water damage effects your carpets or clothing
- A theft occurs at your home
Water damage
Water damage is among the most common losses for homeowners. Several levels of protection are available depending on the source of the damage.
- Sudden flooding (burst pipe, overflowing sink)
- Sewer or septic tank backup
- Surface water in the event of flooding
- Groundwater infiltrating through the foundation or soil
- Exterior water pipes on your property
Building and other structures coverage
Your home, garage, fence, and other structures are covered in the event of repair or reconstruction. The most common causes include fire, lightning, vandalism, hail, and falling objects.
- A tree falls on your roof during a storm
- A fire damages your garage
- Vandalism to your exterior siding.
Additional living expenses
If your home becomes uninhabitable after a covered loss, insurance may cover your day-to-day expenses during the repair period. Temporary accommodation, , and other costs may be included.
- A fire forces you to leave your home for several weeks while repairs are completed.
Optional coverages
Some situations fall outside the scope of basic home insurance. These optional coverages allow you to broaden your protection based on your home, your lifestyle, and your needs.
Water damage
Water damage is among the most common losses for homeowners. Several protections are available depending on the source of the damage.
- Sewer backup: Water backing up through a drain or toilet can cause significant damage in a short time. This coverage may pay for repairs to your home and replacement of your damaged contents.
- Above-ground water: Rain, snow, or ice infiltrating through the roof, walls, doors, or windows of your home may fall within this endorsement’s scope of coverage.
- Overland flooding: If a body of water overflows and reaches your property, this coverage may pay for damage to your home and your contents.
- Groundwater infiltration: Water seeping through the foundation, basement walls, or floor of your home may be covered by this endorsement.
- Water infiltration: This coverage may pay for certain excavation and rehabilitation costs. It applies if corrosion, tree roots, or ground movement damages your exterior water pipes.
Identity theft
Identity theft protection helps with certain costs related to fraud, identity theft, or a cyberattack. It also includes assistance to support you through the steps needed to restore your identity and manage the consequences of the incident.
- Helps with the cost to replace identity cards or documents
- Assistance to initaite the steps following a fraud
- Professional advice and support to restore your situation.
Pool and spa
Your pool or spa may be covered for damage caused by freezing, thawing, or the weight of snow and ice.
- Freezing damages the equipment or structure of your pool
- Snow weight causes damage to your outdoor spa
Home-based worker
Do you work from home? Your professional equipment and your business activity may be protected by this endorsement, depending on the type of work you do.
- Professional equipment damaged in a covered loss
- A client is injured during a visit to your home for work purposes
Legal fees
Legal expense insurance can provide financial compensation for certain costs incurred during legal proceedings. It also gives you access to legal assistance to guide and support you in certain disputes.
- Legal consultation to understand your rights in a dispute
- Reimbursement of certain fees in an eligible dispute
- Support to initiate certain legal proceedings.
Short-term rental
Do you rent your home or part of it on a rental platform? This coverage may protect your home during rental periods.
- Damage caused by a guest during their stay
- General liability if a guest is injured on your property
Earthquake
Basic home insurance does not cover damage caused by a seismic event. Earthquakes can cause major structural damage. This optional endorsement can be added to a home insurance policy to protect your home and contents
- objects fall and break during an earthquake
- Cracks appear in walls or foundations after a tremor
- Major repairs are needed following structural damage.
Save on your premium
A La Turquoise broker helps you identify the discounts that apply to your situation. Savings vary depending on your profile and your coverage.
Auto and home discount
Bundling your auto and home insurance with La Turquoise may reduce your premium. This combination can sometimes provide a more advantageous rate by grouping multiple policies with the same insurer.
Fire and theft alarm system
Installing a fire or theft alarm system can reduce your home insurance premium. This type of device lowers the risk of a loss and may qualify you for a discount with certain insurers.
FADOQ members (Fédération de l’âge d’or du Québec)
Some insurers offer benefits to FADOQ members. In addition to a discount on auto and home insurance, certain programs may include additional coverages or services for eligible members.
Affiliated associations and partners
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
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Your questions about home insurance for homeowners
Do you have questions about home insurance in Quebec? This section answers the most common ones. It is designed to help you better understand the coverages available, what can affect the cost of your insurance, and what to consider before choosing a policy or requesting a quote.
Several factors can help lower your premium. Here are a few options to consider.
- Increase your deductible. The higher it is, the lower your premium. Keep in mind that filing a claim for small amounts is rarely worthwhile, especially given rising costs.
- Install a monitored alarm system. This is one of the most effective measures to reduce your premium.
- Update your systems. A roof, plumbing, or electrical wiring in good condition reduces the risk of loss and can have a positive impact on your premium.
- Verify the accuracy of the information on file for your home. An error in the square footage or materials can increase the reconstruction value and, therefore, your premium.
- Bundle your home and auto insurance. Most insurers offer a discount to clients who combine their policies.
No law requires a homeowner to carry home insurance. In practice, it is often unavoidable. Your financial institution almost always requires it if you have a mortgage. It needs to protect the value of the building it is financing. Without insurance, the financial consequences can be severe. A fire or significant water damage can represent hundreds of thousands of dollars to cover out of pocket.
Act quickly. Every hour counts to limit the damage.
- Secure the area
- Shut off the water and electricity in the affected area
- Evacuate if the water is near outlets or if the structure appears compromised
- Wear protective equipment if the water comes from a sewer backup
- Contact your broker or insurer: before calling a plumber or making repairs, speak with your insurer. Certain costs incurred without authorization could result in denied reimbursement.
- Document the damage: before cleaning anything, take photos and videos of all affected areas. Keep damaged items and note the date, time, and apparent cause. This documentation is essential for your claim.
- Limit the spread: remove standing water and control humidity to prevent mould.
Yes. Most insurers use your credit score as a risk indicator. Conversely, a refusal to consent to a credit check may result in a higher premium.
- Homeowner insurance covers the building, attached structures, your personal property, and your general liability.
- Tenant insurance does not cover the building. It protects only the tenant’s personal property and general liability.
A concrete example: if a fire breaks out in your home, your home insurance covers repairs to the building. If you are a tenant in that same building, your tenant insurance covers only your belongings and your liability, not the building itself.
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Insurance solutions designed for your everyday life
Because every situation is different, we offer coverage tailored to your specific needs, whether it’s for your personal property, your activities, or your business.
