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HOME INSURANCE
FOR CO-OWNERS,
CHOOSE PROMUTUEL INSURANCE

As a condominium owner, Promutuel Insurance offers you quality home insurance, adapted to your needs and at a competitive price. If thousands of Québec home-owners trust Promutuel Insurance for their condo insurance, it’s because they can count on us. Ask for a co-owners home insurance quote today.

Winning combinations

Winning combinations
By insuring your auto and your home, you save up to 25% and obtain free coverages.

Multiple Residence discount

Multiple Residence discount
You have several homes to insure? Apartment, condo, second home… Benefit from discounts for each additional residence.

Alarm system discount

Alarm system discount
Save up to 15% according to the type of alarm system installed in your home.

Controlled access discount

Controlled access discount
Is your apartment building equipped with an access controlled entrance? Get a 5% discount.

Student discount

Student discount
If you are a full-time CEGEP or university student and you are under age 24, we offer a 10% discount on your condominium insurance.

Leak detection system

Leak detection system discount
Get up to 10% off your home insurance if you have a leak detection system.

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We're there contest - Promutuel Insurance

EXCLUSIVE BENEFITS

Beacon - Legal Assistance

Promutuel Insurance provides its insured persons with a free program that includes legal assistance and help with identity theft. Lawyers will answer your questions and explain your rights in plain language. Click here for more details.

Free pass

With Promutuel Insurance, certain home insurance claims are forgiven. No need to obtain additional protection, because this benefit is automatically included in your insurance contract! Click here for more details.

Juripro

Promutuel Insurance legal insurance offers support and a refund of legal fees in case of litigation. Juripro is added to your home insurance policy at a low cost. Click here for more details.

Juripro

Having a leak detection system is an important way to prevent losses. Promutuel Insurance rewards insured members who have one with big savings on their home insurance. Click here for more details.

Client Space Promutuel Insurance

Client Space is designed to make your life easier. It’s convenient, secure, always available, and keeps all your insurance documents together in a single, easy-to-access place. Click here for more details.

Co-owner Home Insurance

LEARN MORE ABOUT HOME INSURANCE FOR CONDOMINIUM OWNERS

Basic coverage

For condominiums, two insurance contracts must be in effect. In the event of a claim, the benefit could be divided between these two contracts.

Your condominium owner contract covers:

  • Personal property
  • Third-party liability
  • Improvements made since the construction

The contract held by your homeowners’ association covers:

  • Common areas: Lobbies, hallways, stairways, roof, etc.
  • The “building” portions of private areas: walls, floors, windows, etc.
  • Third-party liability of the homeowners’ association
Additional
coverage

Customize your home insurance to fit your needs. Among the most popular additional coverages…

Water damage above foundations
Covers damage caused by rain or snow seepage from roofs, walls, doors and windows.

Water damage to foundations
Covers damage caused by seepage in the basement or sewer back-up.

Prevention and tips

Hot water heater :
Install a catch basin under your hot water heater, especially if it is upstairs, and direct the overflow pipe into the closest sanitary drain. Check on the condition of your hot water heater regularly and plan to replace it every 10 years.

Automatic sprinklers :
Have your automatic sprinkler system checked every year by a specialized company.

Smoke detectors :
Make sure there is a smoke detector in every unit and that they are connected to each other electrically, and preferably to a recognized alarm monitoring station.

Water leakage detection system :
Install a water leakage detection system and automatic water intake valve shut-off to prevent or limit damage caused by leaks.

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OTHER PRODUCTS

Discover all of our insurance products—because the more property you insure with Promutuel Insurance, the greater the benefits you’ll enjoy!

Car Insurance
Recreational vehicle Insurance
Business Insurance
Farm Insurance