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Frequently Asked Questions About Home Insurance

Inventory and replacement of your possessions

Yes, if you wish to be paid based on the replacement value and if this coverage is included in your contract. However, you may choose to replace only certain items. The settlement for property that is not replaced is calculated by taking the replacement cost less depreciation, based on the service life of the item.

If you've already reported the loss to La Capitale, you can speed up the claim process by compiling your list using the damage statement provided in:

  1. Your secure online Client Centre
  2. La Capitale mobile app
    App Store
    Google Play
  3. By mail, using this Damage Statement (PDF)

In order to benefit from a replacement cost settlement, you should replace, repair, or rebuild the property within a reasonable period of time following the loss. This reasonable period varies according to the extent of the loss.

You don't have to wait for your payment if your contract provides for the cost of replacement. This value represents the replacement cost of the items less an amount for depreciation. Upon receipt of the invoices for the replaced items, we will reimburse the difference between the initial payment and the actual replacement cost. The replacement cost reflects the cost of an item that is similar in nature and quality to the stolen item.

When replacing your belongings, you may also choose to deal with a supplier from La Capitale’s network of trusted contacts. In that case, we will pay the replacement cost directly to that supplier.

The applicable deductible will be deducted from the indemnity paid.

Repair costs of the premises

You can choose to do the cleanup yourself or hire a specialized cleaning company from La Capitale's network of trusted contacts. If you decide to do the cleanup yourself, we will compensate you for the work done.

Yes, you can do the repair work yourself. However, you must safeguard your property and allow La Capitale to visit the premises in order to examine the insured property before proceeding with the repairs. Once the estimate for the work has been completed, your claims adjuster will notify you of the allocated amount.

How the coverage works

Experience has shown us that in the years following a loss, the likelihood of incurring another loss is greater. Which means the more home insurance claims you have on file, the more likely you are to make another claim, and the more likely your premium will increase.

The iPod is covered under home insurance because its use is not limited to the vehicle.

To be covered under auto insurance, the item must have a link with the use of the device and the insured vehicle. The following are covered under auto insurance:

  • Items that are fastened (and not simply plugged) to the vehicle at the time of the loss (i.e. a luggage rack).
  • Vehicle parts that are removed temporarily or used only seasonally.
  • Items that are used for the maintenance of the vehicle (i.e. a snow brush).
  • Items that can be attached to the lighter only (i.e. a 12-volt compressor).
  • Parts or items purchased to be mounted on the vehicle, but not yet installed.

All home insurance policies include coverage limits, personal property and risks that are never covered, and terms and conditions specific to certain risks or types of coverage. Detailed information is provided in the insurance policy that was sent to you when your policy was issued. For more information, contact a Customer Service agent.

Under the Civil Code of Quebec, the insurer has sixty (60) days to settle a claim. This period begins only after the insurer has received all the relevant information and required supporting documents. At La Capitale, the vast majority of claims are settled within this prescribed time.

Yes. Your home insurance policy includes personal liability insurance. This insurance protects you in cases where you have to pay a third party as a result of accidental property damage or bodily injury sustained during the term of the policy and for which you are held personally liable. The indemnity limit is set out in the Declarations section of your policy. Certain everyday activities may be excluded. It is important that you review your policy.

In the event of a loss for which a third party is liable, you are nonetheless responsible for the applicable deductible set out in the Declarations of your insurance policy. During the investigation, the adjuster will determine if there is any possible recourse. If so, he will inform you of the steps to obtain the reimbursement of your deductible.

Legal problems related to property

No. If it is possible to withhold a portion of the money, the amount must correspond to the value of the work remaining to be done. For example, say you gave someone a $10,000 contract and you have paid a $2,000 instalment. The work is almost completed, but there are a few minor bits to be finished. You must pay the contractor $8,000 minus the value of the work remaining to be done.

  • If your lease is of an unspecified duration (with no end or renewal date), you must give one month's notice.
  • If your lease is of a specified duration, which is often the case, you must abide by its terms until it expires unless you come to an agreement with the landlord.
  • In certain situations provided for by law, it is possible to break a lease before it expires. Consult a lawyer or the Régie du logement (Quebec’s housing tribunal) to know your rights.

You could transfer your lease or sublet your apartment. If so, you would have to find a new tenant, enter into an agreement with him or her and inform the landlord, as provided by law.

No. You cannot withhold some of your rent, even if the landlord is not living up to his or her agreement. Contact the Régie du logement instead for information on what you can do.

The law does not prohibit tenants from having pets. However, the lease or building regulations may prohibit or limit this right (e.g. no dogs). One exception: a service animal, such as a guide dog for someone who is blind.

If you are able to have a pet, it must not disturb your neighbours.

The fact that you are occupying an apartment with the landlord's consent constitutes a lease. You are therefore protected by law as if you had a written lease. If the agreement does not specify a duration or renewal date, it may be considered to be a lease of unspecified duration.

No. The sharing of family assets applies only to couples who are married. Therefore, if ownership of the house is only in the name of one of the spouses, the other spouse has no rights to the house in the event of separation.

No, contrary to popular belief! If you are a tenant, you cannot break your lease before the end date, unless the landlord agrees or there are reasons that justify it. In the latter case, you must contact the Régie du logement. Other exceptions: a rental unit that is unfit to live in and admission to a residential and long-term care centre (CHSLD), for example.

However, if you have a lease of unspecified duration, one month's notice is sufficient.

Yes, if the visitor is a prospective buyer of the property. If you are not renewing your lease and the visitor is a future tenant, the landlord is not required to give you so much notice. A few hours is sufficient, in that case.

No. The tree and its branches belong to your neighbour. You cannot cut the tree branches without your neighbour's consent. You can ask a court to order your neighbour to cut the tree branches, if he or she refuses. To get a court order, you will have to prove that the branches are seriously interfering with your use of your property. That would be the case if, for example, sap from the tree caused extensive damage to your vehicle.

Unless there is an agreement to the contrary, the buyer pays the notary fees for the transaction. However, the seller pays the fee for a discharge, if there is a mortgage on the property

First of all, you must notify the seller in writing, within a reasonable time frame. You must also give the seller an opportunity to see the defect and determine how serious it is before starting the repair work. You must then call in an expert to appraise the nature of the problem, the repairs required and the anticipated costs. The appraisal makes it possible to confirm whether or not it is a hidden defect, i.e. a problem that:

  • existed prior to sale
  • was unknown to you
  • was invisible and
  • is serious.

If you are not able to reach an agreement with the seller, you can take legal action within three years from the time you discover the hidden defect. Note: If you bought the building without a guarantee against hidden defects, you cannot take legal action.

Since each case is unique, we invite you to contact us to discuss your situation.

Yes. The buyer can take legal action against you if he or she is able to demonstrate that you knew about the hidden defect but neglected to declare it or that you deliberately neglected to indicate it in the declarations by the seller.

As a home owner, you can install a fence or hedge completely on your side of the dividing line, at your expense. But if the fence or hedge is on the dividing line, you can oblige your neighbour to share the costs.

If you do not come to an agreement with your neighbour and want to oblige him or her to pay a portion of the costs of installing the fence or hedge on the dividing line, you need to get a court order before carrying out the work.

Yes. You must give your tenant a copy of the lease within 10 days following the conclusion of your agreement. If you don't, a verbal lease is still a valid contract. In that case, the rules of the Régie du logement apply.

No. You can only request payment for the first month’s rent. If the tenants cause damage during the lease period and refuse to reimburse you for the repairs, you must contact the Régie du logement to claim the sums from them.

Common questions

Your premiums won’t increase because you make a home claim, or even two. Your premiums, however, could increase slightly from year to year as a result of rate adjustments or in response to inflation.

That depends on the situation. Here are two possibilities:

  • If the reimbursement is paid to you, the deductible will be taken from this payment.
  • If the reimbursement is paid to the contractor hired for repairs, you will pay the deductible to this contractor.

If you unintentionally cause material or physical damage to another person, you have a legal obligation to remedy the damage. This often represents substantial compensation amounts, which civil liability insurance protects you from having to assume.

This protection would also cover you if you had to defend yourself in court after being served a formal notice, alleging your civil liability. We would bear the expenses of your defence, including your lawyer’s fees and court costs.

Call us promptly and take photos of the damage!

We’ll check if you have the optional coverage required to cover your hot tub or pool. You’ll need to have the following information when you call:

  • The make, model and dimensions of the pool or hot tub
  • The purchase price, date and location
  • The bill of sale, if available

Homeowners

You can choose between 3 coverage levels that can be adjusted based on your needs

  • Basic plan, which usually applies to those with a modest home, with a good tolerance for risk and want as little insurance as possible.
    It covers:
    • your residence and its contents in the event of damage caused by such things as fire, theft, vandalism, wind and certain types of water damage (e.g. dishwasher leak due to a pipe burst).
    • your civil liability for damage you could cause to other persons. For example, if your letter carrier accidentally fell on your icy driveway and got hurt, you would be covered.
    • damage associated with an earthquake, caused by smoke, fire or an explosion.

    Coverage is also included for certain specific items:

    • Your bikes, CDs, DVDs and video games are automatically covered without limitation, regardless of their value.
    • You can get a good amount of free coverage for your wines and spirits, or opt for unlimited protection, if you have a valuable wine cellar.
    • You can adjust the coverage amounts for certain items, such as jewellery or works of art, based on their value.
  • Basic Plus plan, which, in addition to the coverage included in the Basic plan, also includes comprehensive building coverage.
    So, you would be covered in the event of an accidental paint spill on your hardwood floor, for example.
  • Enhanced plan, which offers some of the best coverage on the market.
    It includes:
    • Comprehensive coverage for all damages sustained to your home or its contents. For example, you would be covered if, in the heat of the moment, a joystick went crashing through your television screen!
    • For homeowners over age 50, this option allows them to choose to either rebuild or get a cash payout in the event of total loss of their home.
  • Legal Access insurance
    For a little over $1 a week, get access to financial support that allows you to be represented by a lawyer should you need one (e.g. latent defects, drawing up a will or protection mandate, family mediation sessions exceeding those assumed by the government).
    Find out more
  • Claim forgiveness coverage
    Avoid premium increases resulting from one or even two home insurance claims.
    Find out more

Condo owners

You can choose between 2 coverage levels that can be tailored to your needs

  • Basic Plus plan, which usually applies to those with a good tolerance for risk and want the bare minimum amount of insurance.
    It covers:
    • your residence and its contents in the event of damage caused by such things as fire, theft, vandalism, wind and certain types of water damage (e.g. dishwasher leak due to a pipe burst).
    • your civil liability for damage you could cause to other persons. For example, if your letter carrier accidentally fell on your icy driveway and got hurt, you would be covered.
    • damage associated with an earthquake, caused by smoke, fire or an explosion.
    • the building with comprehensive coverage, which enables you to be compensated for an accidental paint spill on your hardwood floor, for example.

    Coverage is also included for certain specific items:

    • Your bikes, CDs, DVDs and video games are automatically covered without limitation, regardless of their value.
    • You can get a good amount of free coverage for your wines and spirits, or opt for unlimited protection, if you have a valuable wine cellar.
    • You can adjust the coverage amounts for certain items, such as jewellery or works of art, based on their value.
  • Enhanced plan, which offers some of the best coverage on the market.
    It includes comprehensive coverage for all types of damage sustained to your home or its contents. For example, you would be covered if, in the heat of the moment, a joystick went crashing through your television screen!
  • Legal Access insurance
    For a little over $1 a week, get access to financial support that allows you to be represented by a lawyer should you need one (e.g. latent defects, drawing up a will or protection mandate, family mediation sessions exceeding those assumed by the government).
    Find out more
  • Claim forgiveness coverage
    Avoid premium increases resulting from one or even two home insurance claims.
    Find out more

Tenants

2 coverage levels that can be adjusted based on your needs

  • Basic Plus plan, which usually applies to those with a strong tolerance for risk and want as little insurance as possible.
    It covers:
    • your residence and its contents in the event of damage caused by such things as fire, theft, vandalism, wind and certain types of water damage (e.g. dishwasher leak due to a pipe burst).
    • your civil liability for damage you could cause to other persons. For example, if your letter carrier accidentally fell on your icy driveway and got hurt, you would be covered.
    • damage associated with an earthquake, caused by smoke, fire or an explosion.
    Coverage is also included for certain specific items:
    • Your bikes, CDs, DVDs and video games are automatically covered without limitation, regardless of their value.
    • You can get a good amount of free coverage for your wines and spirits, or opt for unlimited protection, if you have a valuable wine cellar.
    • You can adjust the coverage amounts for certain items, such as jewellery or works of art, based on their value.
  • Enhanced plan, which offers some of the best coverage on the market.
    It includes comprehensive coverage for all types of damage sustained to your home or its contents. For example, you would be covered if, in the heat of the moment, a joystick went crashing through your television screen!
  • Legal Access insurance
    For a little over $1 a week, get access to financial support that allows you to be represented by a lawyer should you need one (e.g. latent defects, drawing up a will or protection mandate, family mediation sessions exceeding those assumed by the government).
    Find out more
  • Claim forgiveness coverage
    Avoid premium increases resulting from one or even two home insurance claims.
    Find out more

Secondary residence (cottage) owners

2 coverage levels available to meet your needs

  • Seasonal cottage coverage, for those whose cottage is not occupied year-round.
    It covers your cottage, its contents and your other structures (such as a shed) in the event of damage caused by such things as fire, wind (including tornadoes), lightning and certain types of water damage (e.g. leak from a household appliance or plumbing fixture).
  • Year-round occupied cottage coverage, which enables you to have your cottage covered as your primary residence.
    It covers:
    • your cottage and its contents in the event of damage caused by such things as fire, theft, vandalism, wind and certain types of water damage (e.g. dishwasher leak due to a pipe burst)
    • your civil liability for damage you could cause to other persons. For example, if your letter carrier accidentally fell on your icy driveway and got hurt, you would be covered.
    • damage associated with an earthquake, caused by smoke, fire or an explosion.

    Coverage is also included for certain specific items:

    • Your bikes, CDs, DVDs and video games are automatically covered without limitation, regardless of their value.
    • You can get a good amount of free coverage for your wines and spirits, or opt for unlimited protection, if you have a valuable wine cellar.
    • You can adjust the coverage amounts for certain items, such as jewellery or works of art, based on their value.
  • Legal Access insurance
    For a little over $1 a week, get access to financial support that allows you to be represented by a lawyer should you need one (e.g. latent defects, drawing up a will or protection mandate, family mediation sessions exceeding those assumed by the government).
    Find out more
  • Claim forgiveness coverage
    Avoid premium increases resulting from one or even two home insurance claims.
    Find out more