Home and auto insurance: frequently asked questions
What drives your premium, deductibles, water damage, replacement cost, claims, and why going through a broker lets you compare insurers.
Home and auto insurance are offered through a broker partner who compares offers from several insurers in a single process.
These questions cover what actually moves your premium, the role of the deductible, the most common exclusions, and how a claim unfolds.
Is Protecto my home insurance broker?
No. Protecto does not act as a property and casualty broker. The home insurance presented on this page is offered through our partner, who issues your policy and services it afterwards. Our financial security advisors handle travel, health and life insurance.
What is home insurance and why do I need it?
Home insurance provides financial protection against damage to your home and its contents, as well as liability coverage for accidents that may occur on your property. It’s essential because it protects one of your most significant investments and provides peace of mind.
What does home insurance typically cover?
Home insurance typically covers:
- Dwelling: The structure of your home
- Personal property: Your belongings
- Liability: Protection if someone is injured on your property
- Additional living expenses: Costs if you can’t live in your home due to a covered claim
Coverage details vary by policy and insurer.
How to file a home insurance claim
A claim is settled with the insurer named on your policy, not with Protecto. Here is the process:
- Document the damage with photos and videos
- Contact your insurance provider immediately
- Complete claim forms with all required information
- Meet with the claims adjuster who will assess the damage
- Review the claim decision from your insurer
- Accept payment or appeal if you disagree with the decision
Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and help you interpret the insurer’s response.
Is Protecto my auto insurance broker?
No. Protecto does not act as a property and casualty broker. The auto insurance presented on this page is offered through our partner, who issues your policy and services it afterwards. Our financial security advisors handle travel, health and life insurance.
Why go through our partner for auto insurance?
Our partner compares offers from several insurers in a single process. You save time and have a better chance of getting a competitive rate suited to your driver profile, without filling out one form per company.
What factors influence my premium?
The model and year of your vehicle, your driving record, where you live, how you use the vehicle (work or leisure) and your claims history are the main factors.
Can I get a quote with no obligation?
Yes. You get a price and can compare coverages with no obligation to buy.
How do I make an auto claim?
Contact the insurer named on your policy directly. They open the file, assess the damage, make the decision and pay the settlement. Protecto is not your claims contact. Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and follow up with the insurer if things stall. Have your policy number, the date and time of the event, and the police report if there is one, ready.
As a tenant, do I really need insurance?
Yes. Your landlord’s insurance covers the building, not your personal belongings. In a fire or a theft, your furniture, electronics and clothing are not protected without your own policy. Civil liability matters too. If you cause damage to the building or to a neighbour, you are responsible for it.
Why do prices vary so much between insurers?
Each insurer uses its own pricing criteria: location, type of construction, claims history, value of the contents, and so on. That is why comparing several offers can mean significant savings for the same coverage.
Why go through our partner for home insurance?
Our partner compares offers from several insurers in a single process. You get protection adapted to your real needs, without paying for unnecessary coverage and without filling out one form per company.
Can't find your answer?
Our advisors answer in English and French, with no obligation.