When it comes to insurance: be aware and planify... Get coverage for...

• Your move
• Your new apartment
• Your partner

Remember to notify your present insurance company (car, life and medication) of your change of address...

Moving companies offer insurance for loss or damages. Reimbursement is based on weight and is set at 4.41$/kg, as per the agreement of the Association du camionnage du Québec. You can always give the exact value of your property and negociate with your moving company OR get an estimate from your home insurer.

It is to be noted that when property is located outside the insured location, a maximum of 10% of the covered value is insured.

Most rental companies offer car insurance when renting a truck or trailer. Be careful, this coverage does not include your furniture and other property.

It is recommended to purchase supplementary insurance to cover the entire value of your property. This insurance can be purchased from moving companies, home insurers or insurance brokers.

If you start maintenance work or if your start moving certain items, make sure your home insurance covers your property in both locations. The information required by your home insurance is:

• Type of building
• Evaluation
• Number of floors or apartments
• Type of heating
• Year of building
• Location of the nearest fire hydrant
• Location of businesses adjacent to the building
• Number of past claims

If your partner is not considered a de facto spouse, you must have both your names appear on the insurance contract, otherwise only the subscriber will be covered (property and civil liability).

To be considered as de facto spouses, your must have lived in a conjugal relationship (provided you are not married) for a period of not less than 3 years, or for a period of not less than 1 year if at least 1 child is born, or to be born, of your union.