The largest Insurance Brokers Network in Quebec

Optimum Société d' Assurance - Homeowner VIP Optimum

Distinct coverage designed to provide you with peace of mind, protection and a comprehensive, affordable policy suited for your needs.

Protection

Coverage Highlights

  • All Risk protection on your home and contents
  • Blanket amount of insurance
  • Professional evaluation of your home at our cost
  • Enhanced Special Limits for valuable property including jewellery and business property
  • Guaranteed Replacement Cost on your dwelling
  • Replacement Cost without obligation to rebuild or replace your dwelling or contents
  • No deductible for major losses
  • Wine Coverage Extension
  • Optimum Legal Assistance included automatically

Option Coverages available

  • Increased limits
  • Identity Fraud Expense
  • Fine Arts
  • Jewellery and other valuable items

Discount

Premium reductions are available to help you save even more if you :

  • Install an alarm system
  • Have had no claims in the past 3 years
  • Are a Mature Citizen (45 years +)
  • Your home is 10 years of age or less

 

Deductible Options

Our base deductible is $500.  Higher deductibles are available and if you choose to increase this amount, we will lower your premium. 

We will decrease your deductible by $50 for each claims-free renewal to a minimum policy deductible of $50 at no cost to you.


You want to learn more or would like to get a quote?


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