Tenant
Belongings and liability for a rented home.
Full legal name
The policy has to be issued in the exact name that appears on your licence or your deed. A nickname or an initial can delay the policy or cause a claim to be questioned.
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Date of birth
Age is a rating factor on every personal line in Quebec, and it confirms your driving experience. Insurers verify it against SAAQ records.
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Email address
Phone number
Language you want your documents in
Current address
How long have you lived at this address?
Several insurers give a stability credit after three years at the same address.
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Do you own or rent your home?
Homeowners usually qualify for a multi-policy and an owner discount on auto, even when the two policies sit with different insurers.
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Address and unit number
Type of building
Year the building was built
Landlord’s name
Most leases require you to carry liability insurance and to name the landlord. Sending proof is usually what the lease asks for, not a copy of the whole policy.
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Do you have roommates who are not family?
A policy only covers the people named on it. Roommates each need their own policy, or a claim for their belongings is simply not covered.
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Any pets? Tell us the type and breed
Do you run a business from the unit?
Value of your belongings
Go room by room and price what you would have to buy new. Tenants usually land between $30,000 and $60,000, well above the $15,000 people first guess.
If they don't know: We will quote the insurer’s minimum, which is typically $20,000 and rarely enough to replace a full apartment.
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Civil liability limit
If a fire or a water leak starts in your unit, you can be held responsible for the whole building, not just your apartment. That is what this limit is for.
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Jewellery, bicycles, instruments or computers worth listing separately
Deductible you want
Have you had any insurance claim in the last 6 years?
Insurers pull your claims history from the industry database regardless of what you declare. Declaring it yourself is what keeps the quote accurate and protects you: an omission is a misrepresentation, and under article 2408 of the Civil Code of Quebec it can void the policy at claim time.
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Date of loss
Type of loss
Amount paid by the insurer
The size of the claim matters more than the count. Two small claims rate very differently from one large one.
If they don't know: We will quote on the range shown in the industry database, which may be higher than what you recall.
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Were you held responsible?
What has been done to prevent it happening again?
A corrective measure you can describe, a replaced water heater or a new backwater valve, often moves an insurer from declining to accepting.
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Are you insured right now?
Continuous coverage is one of the strongest rating credits there is. A gap of even a few weeks moves most insurers to a higher tier.
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Current insurer
Policy number
If they don't know: We can work without it, but we will need your declaration page before binding.
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Renewal date
We quote to line up with your renewal so you are not paying two policies or cancelling mid-term at a short-rate penalty.
If they don't know: We will work from the date on your declaration page once you send it. Until then we cannot guarantee the quoted premium will still be available.
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How long with that insurer?
Has an insurer ever cancelled, refused or declined to renew you?
This is a question we are required to ask and you are required to answer accurately. A cancellation for non-payment is workable; hiding one is not, because the insurer will find it and can void the contract.
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What made you shop around?
Attach anything you have on hand
A photo of your current declaration page answers about half of these questions on its own and is the fastest way to get an accurate quote. Photos taken with your phone are fine.
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Your own questions
Anything specific to this client. Marked in the file as asked by you.
A note to your client
Optional. Sits at the top of their first screen.
Tenant
33of 33 questions selected
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Email address.