Home Insurance

Bundle your insurance and save up to $500*

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1-866-777-2886

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Everybody wants the cheapest home insurance, right?

SSQ Insurance offers multiple discounts to help reduce your home insurance premium.

 

Combine your auto and home insurance and save up to $500**

 

Get a $25 multiproduct welcome discount on your home insurance if you are a customer of SSQ Insurance or a shareholder of the Fonds de solidarité FTQ

Find out how much you could save

get a quote

1-866-777-2886

Single deductible

Combine your auto and home insurance and pay only one deductible in the event of a loss that involves both your vehicle and home.*

get your quote

Complete Security System Offer

Because prevention is better than claiming:

  • Get a high-performance security system, including complimentary1 equipment and installation, for protection against fire, theft, home invasion, and even water damage thanks to technology that detects and stops leaks – for a total value of $900 including equipment and plumbing services.
  • Once installed, benefit from a significant discount on your home insurance premium.
 

Call us to learn more

security system

1-866-777-2886

We are always there for you

24-hour emergency service

Call us toll free 1-800-463‑2343

Thanks to our emergency claims service, you can count on our 24-hour support. Call us toll free at 1-800-463-2343.

Has your home sustained a fire, or been burglarized or flooded? Has it or any of your other insured property been damaged in any way? Notify one of our claims adjusters as soon as possible so you can be compensated quickly.

How to submit a claim

Easy payment options

SSQ Insurance offers you easy ways to pay your insurance premiums

Preauthorized debit: depending on the term of your contract, make monthly payments with no fees or interest*

Online: pay online in 1 or 3 installments

 

Online payments made via a financial institution

see the procedure

What does our home insurance include?

Our insurance coverage is adapted to the reality of each type of dwelling

House

What is covered?

  • Your dwelling: your house, additions, permanently installed outdoor structures (e.g., fences), and landscape architecture
  • Detached private structures: structures not attached to your dwelling and that are located on the insured premises, (e.g., a garden shed, detached garage, etc.)
  • Your personal property: the contents of your home and any personal property that may be temporarily off the insured premises (e.g., your baggage during a trip)
  • Living expenses: supplemental expenses incurred following a loss, i.e., expenses a family would not ordinarily incur in the course of daily living
  • Rental value: covers loss of rental income following a covered risk if part of your house is rented

Civil liability

Home insurance protects you against the financial consequences of civil liability for bodily injury or property damage involuntarily caused to others.

If you are sued for damages covered under this protection, SSQ Insurance will cover the full cost of your defense.

Home office

If I use a home office, does my home insurance cover work-related property?

Your insurance contract may include an exclusion or limitation due to your professional activities at home. Depending on your situation, you can purchase insurance that includes the home office coverage you need. Find out more from our agents at 1-866-777-2886.

Condominium

What is covered?

  • Improvements to your condominium made or paid for by you: this clause provides coverage for improvements to your unit for which you incurred an expense
  • Your personal property: the contents of your unit and any personal property that may be temporarily off the insured premises
  • Supplemental expenses: those incurred following a loss, i.e., expenses a family would not ordinarily incur in the course of daily living

Civil liability

Condominium insurance protects you against the financial consequences of civil liability for bodily injury or property damage involuntarily caused to others.

If you are sued for damages covered under this protection, SSQ Insurance will cover the full cost of your defense. Certain conditions and limitations apply.

Owners association

To insure a building held as a condominium or obtain co-owner liability insurance for the directors of the owners association, contact our agents.

Tenant

What is covered?

  • The contents of your dwelling and any personal property that may be temporarily off the insured premises
  • Supplemental living expenses incurred following a loss, i.e., expenses a family would not ordinarily incur in the course of daily living

Civil liability

Apartment insurance protects you against the financial consequences of civil liability for bodily injury or property damage involuntarily caused to others. Personal liability covers not only the insured premises but also your personal everyday activities, wherever you are in the world.

If you are sued for damages covered under this protection, SSQ Insurance will cover the full cost of your defense.

Make sure you have enough coverage!

To determine how much you need, everything depends on the value of your property and the building you live in.

  • Value of your property: An updated inventory will help you better assess your insurance needs and make your life easier in the event of a loss. Find out more about making a property inventory (Insurance Bureau of Canada website).
  • Value of the building: Renters insurance also covers your personal liability. To determine the liability amount, it is important to consider the type and value of the building you live in, among other things. Your liability will differ depending on whether you live in a two- or sixty-unit building.
Building

What is covered?

A building insurance is divided into two parts: property and civil liability.

Your property

  • The building, you own and that is rented to third parties
  • Any personal property rented to third parties, as required
  • Detached private structures located on the insured premises (e.g., a garden shed, detached garage, etc.)
  • The rental value which covers the loss of rental income following a covered risk, as required

Civil liability

Building insurance protects you against financial consequences in the event of liability related to the premises for bodily injury or property damage involuntarily caused to others.

If you are sued for damages covered under this protection, SSQ Insurance will cover the full cost of your defense.

Protect your rights

Benefit from unlimited telephone access to a team of legal professionals* for $10 a year!

Most fields of law are covered, including family law.

 

Reach amicable or formal resolutions to certain legal disputes related to your private life, involving:

  • Divorce
  • Neighbor
  • Family law

legal assistance

*Certain conditions, restrictions, and limitations may apply. **Certain conditions, limitations, or exclusions may apply. Average savings are applicable to new auto and home insurance policies only (owner-occupied). Amount provided for information purposes only and subject to change without notice. 1Certain conditions, restrictions, and exclusions may apply. Available on select packages offered in partnership with Groupe Vigilance. Monthly service fees are extra and vary according to the package selected. † Certain conditions, restrictions, and exclusions apply. Savings applicable on new auto and home policies (owner-occupier). ‡ Certain conditions, restrictions, and exclusions apply. Savings applicable on new auto and home.