House Insurance - Additional protections

Lareau Insurance Brokers can offer many different endorsements to complete your underlying contract and offer you a personalized insurance solution.

Second Home and Seasonal

If your main home is already insured with Lareau Insurance Brokers, we can extend your coverage to your seasonal or secondary residence:

• Country House
• Condominium
• Certain Types of Trailers
• Mobilehome
• Rental Building

New House In Construction

No matter if you decide to build your new house yourself, or if you prefer to have it done by professionals, Lareau Insurance Brokers will make sure you are protected against all possible risks that could occur on a worksite. The following protections are necessary:

• Building Insurance
• Insurance Against Theft of Materials
• Insurance Against Vandalism
• Employers’ Liability Insurance

Simple or Major Renovations

It is important to inform us of all renovations done in your house so that we can advise your insurance company. They will extend your insurance coverage to protect you against unexpected situations. If you fail to do so and an incident occurs, the insurer could claim an increase of risk because of the renovations and refuse to compensate you.

Home Worker

If you work from home, it is important to get insurance coverage for the following:

• Office Equipment
• Hardware and Software
• Client Accounts
• Valuable Documents
• Civil Liability

Flooding

In general, your underlying contract covers damages caused by water. However, some risks are excluded. This coverage allows you to extend your protection to these exclusions and to protect yourself against, amongst others:

• Sewer Back-up
• Aqueduct Break
• Water damage caused by rain penetration from the roof

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Water Entry

In case of damage related to water entry, this protection covers:

• Demolition Fees
• Refurbishing Fees

An insurance limit and certain restrictions can apply.

Valuable Objects

Insurance policies generally have limitations for the compensation of certain types of belongings. This protection could better insure valuables such as:

• Jewellery
• Art Work
• Bicycles
• Tractors
• Collection Items
• Etc.

Pool, Spa and Sauna

If you own a pool, a spa or a sauna, you can add extra protections in your underlying contract. This covers damage caused by frost and collapsing due to the weight of snow and ice.

Recreational Boat and/or Motor

Depending on the type of boat you own, you might need more important coverage than the one offered in your underlying contract. This endorsement will provide you sufficient protection for your boat(s) and motor(s). However, this does not apply to all boat categories.

Earthquake

This endorsement covers all damage, except exclusions, that could occur in the event of an earthquake. It includes fire, explosion and smoke that could result from an earthquake.

Fire, Explosion and Smoke

This endorsement only covers damage caused by a fire, an explosion or smoke resulting from an earthquake.

Identity Theft

This protection covers fees that could result from identity theft.

Legal Fees

Available with a majority of insurers, this endorsement will provide you with financial aid for legal fees. In the event of a law suit, it will allow you to get an amicable or judiciary resolution up to the limit of the protection.

Replacement Value Without Obligation to Rebuild

This unique protection is offered by only a few of our partners. We recommend it if you do not intend to rebuild your home on its initial site or even elsewhere. In case of a claim, this endorsement allows you to be compensated for the insured amount of the building, without depreciation. You can then dispose of the money as you deem fit.

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