HOME 1 877 780-2085
Whether you need to insure your single-family dwelling, second home, condominium or apartment, LUSSIER has the coverage that will suit your needs!
In addition to theft, fire and legal liability, you can now also be covered for weather-related damage. The ice storm of 1998, violent winds and recent downpours have raised many concerns.
It is unwise to skimp on home insurance, as your home is usually your most precious asset, an important part of your family’s estate and a nest egg for your retirement.
Home insurance is relatively inexpensive in relation to the potential loss you could incur without it. Don’t wait for the worst to happen. Be prepared and ensure your property at a fair value!
At LUSSIER, we recommend combined coverage that will best protect your home, personal property and outbuildings.
You can also choose different protection levels that allow you to adjust the amount of the coverage to suit your situation (ex: jewellery, furs, collections, sewer backup etc.).
ADDITIONAL PROTECTION
Self-Employed Workers
Self-employed workers who decide to work from home should inform their LUSSIER broker. Our insurance companies have adjusted their products to better protect office and computer equipment as well as the transportation of certain equipment (computers, material, etc.) for professional purposes.
Water Damage
In the last several years, a growing number of claims have been filed for damage caused by water infiltration (roof, windows, openings, etc.) or flooding in the basement. Insurance companies offer specific protection for these situations. Make sure that you are suitably protected against sewer backup and water infiltration. Talk to your LUSSIER broker!
New Value Coverage Without Obligation to Rebuild
You might not be aware that most insurance contracts offer new value on the building as long as the policyholder agrees to rebuild. This means that the coverage is void if you do not rebuild and can therefore not opt to receive a cash settlement. Why not go with an insurance company that offers replacement coverage WITH NO OBLIGATION TO REBUILD? Ask your LUSSIER broker for details.
Insurance and Legal Aid
If you need help with a legal matter, you can now take advantage of two additional services offered by your LUSSIER broker.
Thanks to the legal aid service included in your home insurance contract, sound legal advice from a lawyer is only a telephone call away. Completely free and confidential, this service is available at all times and for all types of rights (marital, consumer, business, labour, etc.).
As for legal expense insurance, you can add it to your home insurance for a very reasonable price. This insurance reimburses, in whole or in part, any legal and lawyers’ fees incurred in most cases tried before a court of law (with the exception of small claims court).
Ask you LUSSIER broker about it!
Individually Insured Objects
Do you own valuable objects? Do you collect artwork that you display in your home? Do you own stunning jewellery with greater than sentimental value? Do you have a large collection of objects?
Be sure to mention this to your LUSSIER broker so that he or she can include specific objects in your insurance contract.
Avoid any unpleasant surprises when the time comes to file a claim!
Pool
Above-ground pools must be insured separately as they are not automatically covered by your home insurance. Protect your pool from weather risks so that you can fully enjoy it when the sun comes back out!
Earthquakes
Few people know that you can insure your home for earthquakes. If you live in a higher risk area such as the St. Lawrence Valley, ask your LUSSIER broker if it would be wise to be covered.
on Facebook