Home Insurance Customized protection for your home with Covalen
At Covalen, we offer customized policies to protect your most important investment.
Protect your home with confidence
Your home is more than just an investment: it's your haven, the guardian of your memories and precious possessions. As expert brokers, we negotiate with the best insurers to offer you comprehensive, personalized protection that precisely meets your needs as an owner-occupier.
Why choose Covalen for your home insurance?
Who needs home insurance in Quebec?
Whether you own a single-family home, a condo or a mobile home, home insurance is essential to protect your investment.
Even if you don't own the building, tenant insurance protects your personal property and liability.
Cottages, vacation homes and other secondary properties require specific protection, which Covalen can provide.
The right insurance protects you against rental-related risks if you rent out your property.
Top 5 property types for which Covalen specializes :
SIMPLE AND EASY QUOTE
How to obtain home insurance with Covalen :
- Fill out our online form
- Receive personalized quotes
- Consult one of our expert brokers
- Choose the best offer
- Activate your policy in minutes
What factors influence your home insurance premium in Quebec?
The reconstruction value and age of your home directly influence the insurance cost. Older homes may have higher premiums.
Your postal code can affect your premium. Areas with a high risk of flooding or crime may have higher rates.
Alarm systems, smoke detectors and security locks may qualify you for discounts.
The type of heating system in your home can influence your premium. Older or higher-risk systems can increase costs.
A history of frequent claims may increase your premium, while a claims-free record may qualify you for discounts.
How much does home insurance cost in Quebec ?
Home insurance in Quebec generally ranges from $500 to $1,200 per year for a standard home, depending on several factors.
Contact Covalen for a personalized quote and the best possible rates.
5 tips to save on your Quebec home insurance :
- Compare quotes with Covalen's brokerage service
- Opt for a higher deductible
- Combine your insurance (home, auto, etc.)
- Install approved security devices
- Renovate to modernize electrical and plumbing systems
It is not automatic, but certain types of water damage (such as flooding) may require additional coverage. Check the details of your policy.
Install security systems, increase deductibles, consolidate policies, and maintain good credit. Compare offers regularly.
Most policies cover certain natural disasters, but events such as earthquakes or floods may require special coverage.
Replacement cost reimburses the replacement cost without depreciation, while actual value considers wear and tear and depreciation.
Working from home may require additional coverage. Inform your insurer of your situation.
Yes, notify your broker/ insurer of any major renovations. This can affect the value of your home and your coverage.
Most policies include coverage for additional living expenses if you need to relocate temporarily. Contact your insurer immediately.
Generally, yes, for civil liability, but damage to your own home caused by your pets may be excluded.
The amount you pay out of pocket before the insurance covers the rest. A higher deductible generally reduces your premium.
Yes, but with limits. For complete protection of high-value items, consider specific endorsements or policies.
Talk to an expert today
Call us today for a free assessment of your insurance needs and find out how we can give you the peace of mind you deserve. We're here to help.
Fill out our online form.
For a fast, free assessment of your insurance needs, please take a few moments to complete our form. One of our experts will then contact you to discuss the best protection for your situation.