Home Insurance Solutions with LMBF Insurance
LMBF offers home insurance designed for the forward-looking homeowner, tailored to protect your family’s most important asset. Whether your property is a single home, a semi-detached house, or a row house, we’ve got you covered. Our brokers offer uniquely-made solutions for all sizes and shapes of homes, so Quebec residents can always have peace of mind that they have sufficient home insurance protection.
Home Insurance Solutions: What it Covers
Third-Party Liability
Included with your standard home insurance policy is third-party liability, which covers your personal liability from lawyer fees and defense costs if you are sued by a third-party. Unfortunately, as our society becomes increasingly litigious, this coverage has become progressively more critical.
Physical Dwelling
Your home insurance includes coverage for the physical structure of your home. This includes the roof, sidings, windows, etc., but also covers any structures attached to your home, such as any garages or patios.
Personal Property
In the event of a loss, including perils such as fire, flooding, theft, and vandalism, your personal items are covered by your home insurance. If Quebec residents own any higher value items, such as expensive jewelry or furs, they may wish to supplement their coverage with a special content limit rider to ensure the added value of these belongings is protected, too.
- Unexpected and sudden losses
- Fire and theft
- Third-party liability
- Outbuildings
- Your belongings
- Wear-and tear damage
- Mould and infestation
- Intentional actions
- Acts of war
- Certain dog breeds
How much home insurance do you need in Quebec?
Home insurance in Quebec doesn’t necessarily have a standard “amount” that will suffice. It all depends on your personal circumstances. LMBF goes above and beyond and doesn’t simply suggest you go with the “cheap” home insurance option. Instead, we help you find an affordable plan for less. In Quebec, home insurance is necessary if you have a mortgage, provides you the necessary funds to repair or restore your home, and helps you pay for a lawyer if you are ever sued. An LMBF home insurance broker can help you determine your overall home insurance needs.
Types of Home Insurance Coverage
Chances are, you’ll never have to deal with such a devastating event as a home fire or worse. The better prepared we are for the unexpected, the less likely we are to ever have to front a loss. Consider the following home insurance options below. Some are included with your standard home insurance in Quebec, and some are optional.
Dwelling coverage
- Roof
- Sidings
- Windows
- Garages
- Patios
Personal Liability
- Slips and falls
- Property damage
- Lawsuit expenses
- Settlement fees
- Dog bites
Detached structures
- Sheds
- Fencing
- Signage
- Landscaping
Additional living expenses
- Hotel bills
- Food
- Accommodation
- Travel
- Clothes
Jewelry rider
- Jewelry
- Furs
- Collectibles
- Wine
- Art
Umbrella liability
- Extended liability
- Claims in excess of basic
- Expensive lawsuits
Sewer backup
- Sump pump rupture
- Damaged sewer lines
- Sewer backup
- Septic system
Home-based business
- Office equipment
- Client activity
- Inventory
Watercraft
- Motorboats
- Pontoons
- Fishing boats
Earthquake
- Property
- Outbuildings
- Earth movements
Seasonal dwelling
- Theft
- Fire
- Vandalism
- Flooding
High-value home
- Guaranteed replacement cost
- Unlimited additional living
- Professional appraisal
Our Home Insurance partners
LMBF only works with the most reputable home insurance companies in Quebec and selects those who have extensive experience with writing home insurance. The companies LMBF partners with understand the home insurance needs of Quebec residents and can help designate unique policies tailored to their needs.
