You could save $425 by bundling your insurance1

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1 888 522-5260

8:00 a.m. to 9:00 p.m. Monday to Thursday
8:00 a.m. to 8:00 p.m. Friday
8:30 a.m. to 4:00 p.m. Saturday

Get a home insurance quote that's truly tailored to your needs online or by phone!

Benefits of our homeowners insurance


Pay $0 in rate increases for 24 months, even if you make a claim, thanks to our two-year policies.


Get your bikes and video games covered at no extra cost, regardless of their value.


Get attractive, flexible coverage in the event of water seepage under the foundation, sewer backup or overflow of body of water.


Only pay for the coverages that you actually need thanks to our Personalized Form!


Claim forgiveness coverageavoid premium increases resulting from one or even two home insurance claims.


THANKS Loyalty Program: As soon as you become a client, benefit from privileges that add up over the years!

See more benefits

It doesn't only happen to the neighbours!

Choose from among the best water damage coverages
and adjust it according to your needs.

Find out more

What does homeowners insurance include?


Coverage levels that can be adjusted based on your needs

Basic plan

The Basic plan usually applies to those with a modest home, with a strong tolerance for risk and want as little insurance as possible.
In addition to basic coverage (including your residence and its contents against fires, theft, vandalism, wind and certain water damage), this plan also includes civil liability coverage. For example, if your letter carrier accidentally fell and got hurt because you neglected to remove the ice in your entryway, you would be covered. The Basic plan would also cover you if a pipe on your dishwasher breaks, causing water damage.

Our Basic plan also includes damage caused by smoke, fire, or an explosion that occurs after an earthquake.

Basic Plus plan

The Basic Plus plan includes comprehensive building coverage in addition to the one offered in the Basic plan. So, you would be compensated for an accidental paint spill on your hardwood floor, for example.

Enhanced plan

The Enhanced plan offers some of the best coverage on the market. Looking for comprehensive coverage for all damages sustained to your home or its contents? This coverage is for you! For example, you would be covered if you broke your brand new flat screen television while trying to install it on the wall.

The Enhanced plan is perfect for homeowners age 50 or over! It allows them to choose to either rebuild or get a cash payout in the event of total loss of their home.


Specific coverage amounts for certain property items

The coverage amounts for certain types of property, such as jewellery or works of art, may be adjusted based on the value of the items.

Whether you have a few good bottles or an enviable wine cellar, we include attractive coverage amounts for wine and spirits in our Basic plan. An unlimited coverage amount is also available for these items.

Lastly, your bikes and video games are automatically covered without limitation, regardless of their value.


Advantageous add-ons that make all the difference

No matter what situation you are facing, we are by your side! Our assistance services are available to you for free or at a preferred rate :

How to file a claim in the event of a loss

If a covered loss occurs: We're available 24 hours a day, 7 days a week, and we will process your claim quickly and fairly.

See the tips below for dealing with the most common situations.

Civil liability


Glass breakage

Loss of food in your refrigerator or freezer

Pool damage

Theft and vandalism

Water damage

Wind, hail and freezing rain


  • Multi-product Promotion
  • Family Promotion
  • Special offer for young adults
  • Advantages for members of the public service

You could save $425 by bundling your home, auto and leisure vehicle insurance

Do you have children under age 16? Our Family promotion was designed to help you save money! Get up to $100 in savings on your new insurance.

Are you between 20 and 30 years old? With our special offer for young adults you save up to $100 on your new home, auto or leisure vehicle insurance1 and get Roadside assistance for only $2 per month!

Our clients from the public service save an average of $450 by bundling their home, auto or leisure vehicle insurance.

Get an home insurance quote online or by phone! 

  1 888 522-5260

Firm in Damage Insurance. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Some conditions and exclusions apply. 1. Source: June 2017 SOM survey of La Capitale clients who bundled at least two products among home, auto and leisure vehicle insurance. Average savings calculated using the declared amounts of 142 respondents who benefited from a savings. This amount is for information purposes only and does not guarantee savings.