Home insurance tips

Have you moved away from home? You would be wise to protect your belongings with home insurance.

Should I buy insurance for my home if I don't own many valuable items?

In addition to offering you protection for your belongings, a home insurance policy also provides civil liability coverage. That can help you avoid a lot of problems since you will be protected against possible damage claims for which you may be accidentally at fault. For example, let's say you forget to turn off the taps of your bathtub and it overflows into your downstairs neighbour's place. Luckily, your home insurance policy covers you against lawsuits for damages for which you are liable and for which you could be unintentionally at fault.

You may be interested to know that at Desjardins General Insurance, students living in apartments may also be covered by their parents' home insurance at no additional charge¹.

1. Some restrictions apply.

I've just moved into my first apartment, what do I need to do to insure my belongings?

If you have a home insurance policy, it is highly recommended that you make a list of all your belongings. Desjardins General Insurance recommends that you do this regularly to determine if your insurance needs have changed. You can then contact your insurance agent and make sure your coverage and insurance amounts are sufficient!

To help make the claim process faster and easier on you, be proactive! In addition to preparing an inventory of your property and keeping it in a safe place, make sure you keep your receipts, your instruction manuals, photos of your belongings, etc. If anything does happen, contact the police and advise your insurer as soon as possible.

If carry a laptop computer to do my work on campus, is it covered by my home insurance?

Tenant home insurance contracts cover moveable property that you temporarily take outside the home, such as a laptop for instance, up to a certain amount. You can discuss with your Desjardins General Insurance agent the possibility of adding an option to your insurance contract that removes this limit².

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2. Subject to other contract exclusions and limitations.