Welcome to LMBF Assurances
LMBF offers home insurance designed for future-oriented homeowners, tailored to protect your family's most important asset. Whether your property is a single-family home, a semi-detached house, or a townhouse, we have what you need. Our brokers offer unique solutions for all home sizes and shapes, so Quebec residents can always have the peace of mind of knowing they have sufficient home insurance coverage.
Home insurance in Quebec does not necessarily have a standard “amount” that would be sufficient. It all depends on your personal circumstances. LMBF doesn't just suggest that you opt for the “cheapest” home insurance. On the contrary, we help you find an affordable plan at a lower cost. In Quebec, home insurance is necessary if you have a mortgage, it provides you with the funds you need to repair or restore your home, and helps you pay for a lawyer if you are sued. An LMBF home insurance broker can help you determine all of your home insurance needs.
In the event of a disaster, including perils such as fire, flood, flood, theft, and vandalism, your personal belongings are covered by your home insurance. If residents of Quebec have higher-value items, such as expensive jewelry or fur, they may want to supplement their coverage with a special content limit endorsement to ensure that the added value of these goods is also protected.
Your home insurance includes coverage for the physical structure of your home. This includes the roof, siding, windows, etc., but also any structures attached to your home, such as garages or patios.
Your standard home insurance policy includes civil liability, which covers your personal liability for attorney fees and defense costs if you are sued by a third party. Unfortunately, as our society becomes more and more procedural, this coverage has become more and more critical.
Protects your home against property damage and certain insurable risks.
Protects your civil liability in case of personal injury or material damage caused to others in everyday life.
Protects buildings that are separate from your primary residence, such as a garage or a shed.
Additional living expenses. Simple and essential protection adapted to your situation.
Covers your jewelry and valuables beyond the standard limits of your policy.
Add extra protection when your basic insurance limits are exceeded.
Sewer backup. Simple and essential protection adapted to your situation.
Protects the assets and activities associated with a business operated from your home.
Protects boats and watercraft against damage, theft and civil liability.
Protects your home and your belongings against damage caused by an earthquake.
Protects a cottage or a second home against disasters and civil liability.
Coverage adapted to high-end homes, including higher limits and extended protections.
Certain high-risk features can increase your home insurance premiums, such as a wood-burning fireplace and a swimming pool. Be sure to disclose all these features to your insurer when taking out a policy, as you risk having your claims denied if you hide the existence of one of these special features.
LMBF wants to help you find cheap home insurance so you can be covered at lower cost, but 'cheap' doesn't always mean the best option. We rather want you to find an affordable plan that meets your needs. Sometimes looking for the cheapest home insurance could tempt you to cut corners, and we want you, as a homeowner, to feel secure at all times.
The cost of home insurance in Quebec varies depending on your policy, your insurance provider and a number of details unique to you, such as your home's age, its systems, any high-risk features like a pool or wood stove, and more. You can get a rough estimate of your home insurance cost by requesting a free home insurance quote from LMBF.
Home insurance in Quebec generally covers unexpected or sudden events that cause damage, such as fire, vandalism, theft and certain forms of flooding. It covers your physical dwelling, your belongings and your civil liability. For additional coverage, discuss with LMBF home insurance brokers about acquiring a home insurance endorsement.
Sometimes home insurance premiums increase even if you haven't recently made a claim and haven't changed your living conditions (although this is the most common reason claims increase). This may be due to a higher frequency of extreme weather conditions, changes in crime rates in your area, or the fact that your home is aging and your systems may be outdated. The older your systems, the more likely you are to file a claim.
Generally, your standard home insurance policy does not cover water leaks or seepage that occur over time. However, you can purchase supplementary insurance against sewer backups or surface water to cover distinct cases of water damage. Remember that water damage due to lack of maintenance is generally not covered.
