Homeowners Property Insurance

The Homeowners Property Insurance product covers both movable and immovable property, including:

• Residences.
• Summer houses.
• Orangeries.Farm buildings, prefabricated structures, and non-load-bearing buildings.
• Unfinished construction.
• Household property and furnishings.
• Household appliances, heating, and air conditioning systems.
• Personal computers and audio-video equipment.
• Farm equipment and tools.
• Agricultural produce in storage.
• Works of art, etc.  

Property insurance is designed to protect the assets of individuals. Coverage may include property owned by the insured, as well as third‑party property that the insured uses on a lawful basis.

Your essential protection includes:

• Fire and firefighting damage.
• Natural disasters — storm, hurricane, whirlwind, hail, torrential rain, flooding caused by natural events.
• Damage resulting from snow or ice.
• Accidental events.
• Impact from self‑propelled machinery during loading, unloading, or transport.
• Short circuit or electrical surge.
• Impact from a motor vehicle or animal.
• Burglary.
• Robbery.
• Fire caused by malicious acts of third parties.
• Vandalism.
• Breakage of glass.

Enhance your protection with optional coverage:

• Earthquake.
• Reimbursement of expenses incurred in taking immediate measures to limit and eliminate the consequences of an insured event and to rescue damaged property.
• Coverage for the insured’s liability for property damage or non‑property (non‑material) harm caused to third parties as a direct result of an insured event.

• Other structures coverage on your homeowners insurance policy protects against damage to basement, attic, garage, and auxiliary buildings.
• 24/7 free emergency assistance in the event of an insured incident, ensuring support whenever you need it.