The right protection
It is important to be
informed about home insurance and how your policy will respond in case of a
claim. Our commitment is to ensure our clients have peace of mind through every step of the process:
quotes, renewals and claims.
A Coverage adapted to your situation
Do you live in a semi-detached house, a detached house, a townhouse that you own or rent? Gold Standard Insurance offers you quality home insurance at advantageous prices.
Your home insurance obviously protects your home from its foundations up to the roof, but it also covers all of your belongings. It also protects you against unforeseen events which are part of your third party liability. Our experts will choose, together with you, basic coverages as well as additional coverages which, together, will constitute the home insurance you need.
Two separate contracts can share compensation in the event of a claim: 1) Your contract as co-owner covers movable property, civil liability, as well as improvements made to the condo since its construction; 2) The insurance that your syndicate of co-owners covers for its part the common parts such as the roof, corridors, halls and stairs of the building, as well as the parts specific to the condo itself, such as floors , walls and windows. It also includes the third party liability of the syndicate of co-owners.
Are you renting an apartment, house or condo? Be aware that the homeowner's insurance does not cover your personal property. Gold Standard Insurance offers you tenant home insurance which, in most cases, will protect your property not only against fire, theft and vandalism, but also against damage that you may cause to a third party.
Do you own a residence that you rent to a third party? Your home insurance will include third party liability and building protection. Also consider protecting the property you have left on site (for example, household appliances) and choose additional protections covering in particular your property's rental value.
Without home insurance, you will be required to pay out of pocket for costly damages and/or legal claims that are made against you.
Some of our recommended coverages to insure your are fully protected are as follows:
Personal Liability Coverage
This coverage will protect you should a person suffer an injury in your home and they decide to take legal action against you.
This coverage covers your contents,
valuables and personal belongings, it also provides coverage when you’re travelling
away from your home – this is covered by an insured peril should there be
damages in your home. Insured perils can range from vandalism, theft, fire,
flooding, smoke damage, water damage and more, dependant of package selected.
This coverage will cover the costs associated with damages by insured
perils to the structure of your home. The damages covered include the
replacement cost of your entire home as well as the garage and or other
disclosed detached structures.
Additional Living Expenses Coverage
This coverage covers you if
serious damages to your home require you to live away from your premises for a
period of time. It will cover the following costs: temporarily living in a
hotel and rental and storage for your belongings.
What are my protections?
Depending on your situation, your home insurance will protect your home from its foundations up to the roof, but it also covers all of your belongings. It also protects you against unforeseen events which are part of your third party liability. Our experts will choose, together with you, basic coverages as well as additional coverages which, together, will constitute the home insurance you need.