If you are a student under the age of 25 who are coming to live at the residence, you could be covered by your parents' homeowner's insurance, which covers liability and property. However, you may need tenant insurance in your name if you are permanently away from your parents' home. Contact your insurance representative, or your parents' representative, to make sure you are covered and the same applies to your possessions. You have to be covered for $ 2 million in civil liability. The lessee shall enter into and maintain in force, throughout the duration of his lease and / or occupation of the leased premises, a civil liability lessee insurance of not less than $ 2 million.
The tenant and civil liability insurance is intended to compensate the landlord if you cause damage to the building (fire, water damage, burning on the counter, etc.). It also aims to take care of you if another tenant causes damage (hotel and food costs if your apartment is not habitable).
Don't forget your personal belongings.
You may think they do not really have much value. Nevertheless, would you be able to replace them all at once, in case of damage caused by fire, water or following a flight? If only to replace your clothes and your computer, you will have to pay a few thousand dollars.
CAUTION: To reduce the amount of your insurance per month, the insurer usually offers you a policy with a high deductible. This means that for any damage whose cost is less than the amount of this deductible, you will have to pay. For example: You have an inexpensive policy with a $ 500 deductible. You burn a counter with a pan and we estimate the damage at $ 495. Even if you pay for insurance, you will have to assume the entire loss. So ask your insurer questions and inquire. It's your responsibility!
QUESTIONS FROM THE INSURERS:
ABOUT THE TWO BUILDINGS
Optimum security: our alarm system company
Both buildings are connected to a fire station (Videotron)
The alarm system is centralized
A barracks is less than 5 KM
A fire hydrant is less than 25 meters away
Year of construction: 2007
The building is mainly in CONCRETE
3 residential floors
2 institutional floors
The building has 41 studios, 3 X 6 ½
Year of construction: 2005
The building is mainly made of BRICK AND CONCRETE
4 residential floors
The building has 25 X 4 ½, 7 X 6 ½ and 7 studios
Fire hydrant located near the buildings
Fire extinguishers on each floor and in each apartment
Fire alarm panel connected directly to the security of the UQ
List of insurance companies
(You can contact other companies)
1665, boulevard Guillaume-Couture
Lévis (Québec) G6W 5M6
1 800 782-3121
TD MELOCHE MONNEX
Ils ont un rabais pour les étudiants lorsqu’on téléphone.
Sans frais : 1 877 777-7136
Sans frais : 1 866 684-4078
Sans frais : 1 888 522-5260
AXA/ Dale Parizeau Morris Mackenzie Inc.
900, boul. René Lévesque Est, bureau 700
Québec, QC G1K7G4
Tél. : 418 647-1111 /Fax : 418 647-4976
Website : https://lussierdaleparizeau.ca/
SSQ assurances générales
4715 des Replats suite 252
Québec, QC G2J 1B8
Tél. : 418 661-7741 /Sans frais : 1 888 933-WAWA
Fax : 1 855 641-4963
Website : https://www.wawanesa.com
FORTIN, OUELLET ASSURANCES INC
75, boul. Louis XIV, C.P. 87727 Succ. Charlesbourg
Québec, QC G1G 5W6
Tél. : 418-623-2734 /Sans frais : 1 800 463-4402
Fax : 418-623-7536 Email : firstname.lastname@example.org
Website : https://www.fortinouellet.com/
Tél. : 418 835-6868
Sans frais : 1 888 277-8726