Home Insurance for Second Homeowners

The first step is to contact your advisor. If you are not satisfied with the information they provide, you can write to us. For more details, including contact information, please refer to our Complaint Handling and Dispute Resolution Policy.

Everyone has access to the insurance products we offer on our website. You are warmly welcomed to request a quote for any of them that are of interest to you.

Naturally, we provide special benefits for CAA-Quebec members, such as discounts on various insurance premiums as well as preferential rates. Becoming a member to take advantage of these benefits could prove worthwhile for you. Feel free to discuss it with one of our advisors.

The insurance company first determines the risk you represent. Several factors are involved in this calculation:  

• Region and neighbourhood where you live (frequent burglaries in the area, remote countryside, densely populated area, etc.) 

• Proximity of a fire hydrant and a fire station  

• Type of building (date of construction, cladding, size, cost to rebuild, etc.) 

• Heating system(s) 

• Quality of the electrical system (recent wiring or not) 

• Age of piping and roofing 

• etc. 

You could pay less if your home is equipped with a central alarm system, if you don’t smoke, if your house is free and clear of all mortgages, if you have no prior claims or if you’ve been with your insurer for a long time. 

Another way to lower your premium is by paying a higher deductible (your share of the claim). But be careful: make sure you can afford to such an amount in case of an unexpected event.

Ideally, yes, you should take an inventory of your property. Following a fire or burglary, when you would inevitably be stressed, would you be able to remember all the details about your home? Would you remember the cost of each item? By taking an inventory of your property now, you’ll avoid hassles later. Once the claim file is closed, it’s difficult to obtain compensation for items you forgot to mention.  

In addition, an inventory is a good way to determine the coverage you need. To take it, list the items in each room along with the date of purchase, brand, model and approximate price, if possible. Attach your invoices, receipts, warranty certificates and user guides to your list: they may serve as proof of ownership. Also, take pictures or videos of all your valuables. Keep all this information in a safe place, such as in a fire-resistant safe or a safety deposit box at the bank, or keep a copy online.  

Lastly, don’t forget to update your list when necessary.

*Eligibility requirements for a seasonal cottage or a travel trailer occupied as a cottage: 

• You must have CAA-Quebec Home Insurance. 

• The seasonal residence must be occupied by the insured. 

Certain conditions apply. The insurer reserves the right to choose the risks it covers.  

1) Discount available when an insured person who is a CAA-Quebec member holds both Auto Insurance and Home Insurance for a house, apartment, or condominium. Discount varies from one file to another. New customers who are CAA-Quebec members and combine Auto and Home insurance are offered 50 CAA Dollars. Both policies must be purchased on the same day. This CAA Dollars rebate offer ends on March 30, 2026.