We take care of your home as if it were our own.
Home insurance is one of the most important insurance policies because it protects a huge investment as well as all your personal belongings. Several factors can influence your coverage and your premium. In order to have the best possible protection and avoid surprises, it is strongly recommended to deal with professionals who can guide you in your decision.
McCann Laroche Insurance offers you several insurance policies and protections to cover your residence, your accommodation, your condominium, your cottage, as well as your property, such as jewelry, furs, computers, boats, sports equipment, etc.
Home insurance is divided into two sections: civil liability and building and property insurance.
Civil liability protects you against all material damage and bodily harm caused to a third party. In particular, it covers you against lawsuits for unintentional injuries or damage that you may cause to others or their property through your negligence.
Building/property insurance protects your home and your belongings. There are several protection plans, these plans may vary from one company to another. For example, it is important to determine whether an insured wants to cover water damage (sewer backup) because this loss is often excluded from basic coverage.
In addition, several elements can reduce your premium. We take the time to check every variable in order to offer our customers the best possible premium. Here are some examples that could lower your premium:
- No smokers in the house
- Stability (living for more than 3 years at the same address)
- Have car insurance with the same insurer
- Have an alarm system
We know that it is not easy to assess the value of the personal property you own. To help you, you will find a property inventory form below. This form can help you determine the total value of your assets.