FADOQ advantage
Offers additional coverage or benefits for eligible FADOQ members.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Our expertise
A home that deserves to be protected
Even as a tenant, certain risks and responsibilities remain very real: protection for your personal belongings, civil liability and unexpected expenses after a loss. Courtika helps you choose tenant home insurance adapted to your dwelling and situation.
As an insurance broker, we take the time to understand your reality so we can recommend clear, consistent coverage that is well suited to your everyday life.
Essential coverage
Covers bodily injury and property damage caused to others.
Covers personal belongings in the event of loss, theft or damage.
Covers additional expenses if you must temporarily leave your home after a loss.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage caused by water entering from outside above ground, such as rain or melting snow.
Covers damage caused by water infiltration or sewer backup.
Covers damage caused by flooding related to overflowing rivers or lakes.
Covers damage caused by an earthquake.
Provides financial assistance and support in the event of identity theft.
Covers certain legal expenses to defend your rights or represent you.
Covers damage to the pool and risks associated with its use.
Covers damage to the hot tub as well as certain related equipment.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
It protects your belongings and covers you for civil liability, even if you are not the owner.
Yes, your personal belongings are protected based on the coverage selected.
Yes, your civil liability may cover damage caused to others.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Our expertise
Protect your investissement immobilier
Income properties involve specific risks and responsibilities: building protection, liability toward tenants, loss of rental income, and claims management. Courtika supports rental property owners with insurance solutions tailored to the type of property and how it is used.
As an insurance broker, we analyze your situation to offer clear, consistent coverage that is well suited to your reality as an investor.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury and property damage caused to others.
Covers the residence and its structures against insured damage.
Covers property owned by the landlord and made available to tenants in case of damage or theft.
Covers detached buildings, such as a shed or garage.
Covers loss of rental income if the units become uninhabitable following a claim.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage caused by water entering from outside above ground, such as rain or melting snow.
Covers damage caused by water infiltration or sewer backup.
Covers damage caused by flooding related to overflowing rivers or lakes.
Covers damage caused by an earthquake.
Covers damage to the pool and risks associated with its use.
Covers damage to the hot tub as well as certain related equipment.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Elle covers the building, the liability of owner and the losss of revenus locatifs.
Yes, if you have the coverage of revenus locatifs.
No, the tenants must have leur propre insurance.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Our expertise
Protect your retreat year-round
Cottages and secondary residences present specific risks: occasional occupancy, variable weather conditions, and periods of vacancy. Courtika supports you in choosing insurance for your cottage or secondary residence tailored to the type of property, its location, and how it is used.
As an insurance broker, we analyze your situation to offer clear, consistent coverage that is well suited to your needs, so you can fully enjoy your getaway.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury and property damage caused to others.
Covers the residence and its structures against insured damage.
Covers personal belongings in the event of loss, theft or damage.
Covers detached buildings, such as a shed or garage.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage caused by water entering from outside above ground, such as rain or melting snow.
Covers damage caused by water infiltration or sewer backup.
Covers damage caused by flooding related to overflowing rivers or lakes.
Covers damage caused by an earthquake.
Covers damage to the pool and risks associated with its use.
Covers damage to the hot tub as well as certain related equipment.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
No, coverage may differ depending on seasonal or occasional use.
Yes, but certain conditions must be met, such as regular visits and heating requirements.
Yes, if the required prevention measures are followed.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Our expertise
Insurance aligned with your accommodation activities
Airbnb-style rentals involve specific risks: frequent turnover of occupants, liability toward guests, protection of the building and its contents, as well as compliance with insurer requirements. Courtika supports property owners offering short-term accommodations with Airbnb and short-term rental insurance solutions tailored to the actual use of the property.
As an insurance broker, we take the time to analyze your situation in order to offer clear, consistent coverage that is well suited to your activity.
Add an endorsement
To properly insure a property used for short-term rentals, an endorsement must be added to the insurance policy. This applies when the property is rented for periods of less than one year, totaling more than 30 days per calendar year, whether consecutive or not.
For landlords, several property rental management platforms typically offer insurance coverage, such as Airbnb, Vrbo, Chalets Au Québec, and Monsieur Chalets.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
No, an endorsement or a specific policy is generally required.
Generally, more than 30 cumulative days per year must be declared, depending on the insurer.
Yes, but only if the rental is declared and covered under your policy.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Our expertise
Protect your trailer season after season
Stationary trailers have specific needs: seasonal occupancy, built-in equipment, and liability associated with the use of the premises. Courtika supports you in choosing insurance for a stationary trailer tailored to its location, usage, and the characteristics of your setup.
As an insurance broker, we analyze your situation to offer clear, consistent coverage that is well aligned with your needs.
Essential coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury and property damage caused to others.
Covers the installed trailer and its equipment against insured damage.
Covers personal belongings in the event of loss, theft or damage.
Covers detached buildings, such as a shed or garage.
Frequently asked questions
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
It has coverage similar to a home, but tailored to its stationary use.
Yes, the personal belongings may be couverts based on the coverage selected.
Yes, civil liability covers damage caused to third parties.
Expert advice
Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.
Let’s talk about your reality
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.