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Home insurance FAQ

Questions about home, condo or tenant insurance? Learn more about cancelling insurance, premiums and preventing losses.

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How do I cancel my home insurance policy?

The easiest way to cancel your home insurance policy is to call us at 1-888-277-8726 Customer service phone number for car, home and RV insurance. This link opens your phone app.. We're here to help.

Learn more about cancelling your insurance.

Are there fees for cancelling my home insurance policy?

There are no penalties or fees if you cancel on the policy renewal date. There may be fees if you cancel before the renewal date.

To find out what the fees may be, call us at 1-888-277-8726 Customer service phone number for car, home and RV insurance. This link opens your phone app.. We're here to help.

Loss prevention

How can I make sure my wood-burning stove is safe?

For more information on buying, installing, maintaining and ensuring the safety of a wood-burning appliance, read the section on wood-burning devices External link. on the Quebec government's website.

How can I help protect my home from fire?

One of the best ways to prevent fire is to make sure that all your smoke detectors are working properly and have fresh batteries.

Should I have a backwater valve installed?

Absolutely! A backwater valve External link. (also called a backup valve) is a device that helps prevent sewage backup from getting into your home. Make sure yours is installed in accordance with your municipality’s standards and regulations.

How do I check whether my backwater valve is sealed and working properly?

According to plumbing experts, you should check your backwater valve twice a year (spring and fall) to make sure it's working properly.

No matter how careful you are, water damage can still occur. If it does, a claims advisor can help you deal with your emergency and start the claim process.

What’s a sewer backup?

A sewer backup can occur when an abnormally high flow of water overloads the water supply system. This typically happens when there's a heavy rainfall, melting snow, a sudden thaw or a rise in the water table.

Backwater valves External link can help prevent this kind of loss.


Does my basic home insurance policy cover my home-based childcare business?

No, it doesn't cover your home-based childcare business.

Your basic home insurance policy:

  • Doesn’t provide liability coverage for home-based businesses
  • Includes coverage limits for any property related to your childcare business
  • Doesn’t provide coverage for loss of business income

Contact us to make sure your home insurance includes coverage for self-employed workers.

How much insurance do I need for my personal property?

To be on the safe side, you should have enough coverage to protect all your belongings, including your:

  • Clothes
  • Furniture
  • Electronics
  • Computers
  • Other valuables (jewellery, collections, etc.)

People often underestimate the value of their belongings. That's why it’s important to do a property inventory External link so you know exactly how much your stuff is worth.

More questions about home insurance

How can I lower my home insurance premium?

Here are a few tips to lower your home insurance premium:

  • Install a centrally monitored alarm system.
  • Buy your home and auto insurance from the same provider to get a multi-product discount.
  • Tell us about any major home improvements that are likely to lower the risk of loss (new roof or upgrades to the plumbing, electrical or heating systems, etc.).
  • Increase your deductible, but just make sure you can afford to pay it in the event of a claim.

Also, if everyone in your house is a non-smoker, you could enjoy a lower home insurance premium, because there's less risk of a fire in a smoke-free home.

Renewal is an excellent time to review your policy and make sure you're getting the right coverage at the right price.

Looking for more about home insurance?

Read up on coverages, discounts, the claims process and our online services.

Didn't find what you're looking for?

We're here to help.

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Saturday: 8 AM to 4 PM

Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., provider of automobile, property and business insurance.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply. Savings and discounts are based on each client's individual profile and are subject to eligibility conditions. Rates and discounts are subject to change without notice. Ajusto is underwritten by Desjardins General Insurance Inc. Ajusto ® is a registered trademark of Desjardins General Insurance Inc.