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Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

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It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

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Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Close X

Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre langue et votre secteur.

It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

Choisissez votre langue|Choose your language

Choisissez votre région|Choose your region

ou|or Trouver ma région par code postal|Find your region by postal code

Trouver ma région par code postal|Find your region by postal code

ou|or Choisissez votre région|Select your region in a list

Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Did you know ?

Do I need additional insurance for my valuables?

Valuable belongings like expensive jewellery may not be sufficiently covered by your property insurance.

Would you be covered if a diamond fell out of your engagement ring, you lost the watch your grandfather gave you, or your cherished stamp collection was stolen?

Purchasing home insurance is an important step towards protecting the things you own, but your most prized possessions may require additional coverage.

Certain personal items are only insured up to a specific dollar amount, which means you may not have sufficient coverage for expensive items, such as wedding jewellery.

In this article, we’ll walk you through the steps to make sure that all your valuables stay safe.

Check your coverage limit

Most home insurance policies include coverage to replace your Personal Property.

Many valuable items, such as furniture, appliances and computers, will be covered by your existing policy, but these items will also be subject to your personal property coverage limit.

To ensure all your belongings are properly covered, make a list of everything you own and how much each item costs. This list will help you determine if your personal property coverage limit actually reflects the items in your home.

Some valuable items, like jewellery, will only be covered up to a specific amount by your home insurance.

Identify valuable items with special limits

Certain valuable items often have set coverage limits, which are commonly referred to as Special Limits.

If you own any of the following items, it may be time to check your insurance policy to ensure you have the right coverage:

  • Jewellery
  • Watches
  • Luxury handbags and purses
  • Furs
  • Stamp collections
  • Coin collections
  • Sports card collections
  • Bicycles

If you own a ring worth $15,000, for example, and your policy has a special limit that only covers jewellery against theft and mysterious disappearance up to $6,000, you’ll want to consider updating your insurance so that this valuable is sufficiently protected.

Contact your broker

Once you’ve taken stock of your possessions, it’s time to take action. Call your broker if:

  • You own items whose value exceeds your Personal Property coverage limits.
  • You own items whose value exceeds the Special Limits on your policy.
  • You have recently purchased a valuable item, received a generous gift or inherited something of value.

You may also want to contact your broker if you have questions about your policy.

Coverage Limits and Special Limits vary depending on the valuable item that’s insured, whether you rent or own, and whether you have comprehensive, basic or broad coverage.

Keep a record

It’s a good idea to avoid showing off your valuables on social media, but that doesn’t mean you can’t use your valuables once they are properly insured.

If you purchase insurance for your valuables, here’s what you should do to make sure any future claims go smoothly.

  • Keep your receipts so that you can prove ownership in the event of a claim.
  • Take photographs of your valuables.
  • If an appraisal was completed, ensure that your broker is aware and retain the original copy of the appraisal.
  • Keep your receipts, photographs, appraisal information, and your valuables somewhere safe.

When your valuables are covered, you’ll have the peace of mind to truly enjoy them.

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See the discount offer

Source: Intact Insurance