Homeowner - Non-resident

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I'm a non-resident homeowner. Do I need insurance?

As a non-resident homeowner, you need home insurance to cover your property as well as your civil liability.

What does insurance for a non-resident homeowner include?

A non-resident homeowner's insurance is divided into two parts: property and civil liability.

Property

This insurance covers the following:

• The building you own and rent out to a third party
• Your personal property rented out to a third party
• Detached private structures located on the premises, such as a garden shed, a detached garage, etc.
• Fair rental value, i.e., the monthly rent or other income you have lost as a result of an insured occurrence

Civil Liability

Multi-peril insurance also covers civil liability. This means you are not financially responsible for bodily injury or material harm that is involuntarily caused to a third party. SSQ home insurance also covers your legal fees for prosecution, investigation, and defense in a civil liability case.

How do I decide how much coverage I need?

Call us at 1-866-SSQ-AUTO (1-866-777-2886). We will help you determine exactly how much and what kind of insurance you need.