Home Insurance

What does home insurance cover?

A home insurance is divided into two parts: property and civil liability.

Your property	Your dwelling: your house, additions, permanently installed outdoor structures (e.g., fences), and landscape architecture Detached private structures: structures not attached to your dwelling and that are located on the insured premises, (e.g., a garden shed, detached garage, etc.) Your personal property: the contents of your home and any personal property that may be temporarily off the insured premises (e.g., your baggage during a trip) Living expenses: supplemental expenses incurred following a loss, i.e., expenses a family would not ordinarily incur in the course of daily living Rental value: covers loss of rental income following a covered risk if part of your house is rented
Civil liability	Home insurance protects you against the financial consequences of civil liability for bodily injury or property damage involuntarily caused to others. If you are sued for damages covered under this protection, SSQauto will cover the full cost of your defense.

Your property

Your dwelling: your house, additions, permanently installed outdoor structures (e.g., fences), and landscape architecture
Detached private structures: structures not attached to your dwelling and that are located on the insured premises, (e.g., a garden shed, detached garage, etc.)
Your personal property: the contents of your home and any personal property that may be temporarily off the insured premises (e.g., your baggage during a trip)
Living expenses: supplemental expenses incurred following a loss, i.e., expenses a family would not ordinarily incur in the course of daily living
Rental value: covers loss of rental income following a covered risk if part of your house is rented

Civil liability

Home insurance protects you against the financial consequences of civil liability for bodily injury or property damage involuntarily caused to others.

If you are sued for damages covered under this protection, SSQauto will cover the full cost of your defense.

Certain conditions and limitations apply.

Home office

If I use a home office, does my home insurance cover work-related property?

Your insurance contract may include an exclusion or limitation due to your professional activities at home. Depending on your situation, you can purchase insurance that includes the home office coverage you need. Find out more from our agents at 1-866-777-2886.

For advice or a home insurance quote:

1-866-SSQ-AUTO (1-866-777-2886)
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