Home Insurance

Yes, if you wish to benefit from replacement cost coverage. 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 useful lifespan 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 our secure Client Centre

If you haven't already registered for the Client Centre, follow the steps below:

• Register for the Client Centre.
• Enter your username and password to log into the Client Centre.
• Click the "Access" link under "General Insurance".
• Enter your insurance policy number and your date of birth, then click "Add".
• Click "Done. Access my account now."
• In the menu on the left, go to the "Consultation" section and click on "Claims".
• Click on the "Damage statement" icon.
• Complete your damage statement.

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 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, La Capitale 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.

No. An initial payment can be made based on the items' value on the day of the loss. 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.

To be covered under your automobile insurance policy, the use of the claimed property must be directly linked to the insured vehicle. To determine if this is the case, follow the guidelines below.

Your automobile insurance policy covers the following:

• Property attached to the vehicle at the time of the loss
• Parts of the vehicle that are removed temporarily or that have a season-specific purpose
• Items specific to the use or maintenance of the vehicle
• Items that can only be plugged into the lighter socket
• Items purchased for the purpose of being installed on the vehicle, but which have not yet been installed

With respect to compact discs, any CDs inside the CD player are covered by your automobile insurance policy, while CDs not inside the CD player are covered by your home insurance policy.

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 or she will attempt to recover the paid indemnity from the liable third party, and will notify them of the amount of your deductible. The adjuster will keep you informed of his or her progress.

Changes in insurance premiums at renewal are affected by several factors. A Customer Service agent can provide you with more information. Contact a Customer Service agent.