{"id":1595,"date":"2026-06-25T19:29:28","date_gmt":"2026-06-25T19:29:28","guid":{"rendered":"https:\/\/www.univesta.com\/non-classe\/les-mythes-a-propos-de-lassurance\/"},"modified":"2026-07-13T12:01:00","modified_gmt":"2026-07-13T12:01:00","slug":"myths-about-insurance","status":"publish","type":"post","link":"https:\/\/www.univesta.com\/en\/blog\/insurance\/myths-about-insurance\/","title":{"rendered":"Myths about insurance"},"content":{"rendered":"\n
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You\u2019re sure there\u2019s no way to lower your home insurance premium \u2014 but your brother-in-law swears otherwise. You always figured your policy covered every kind of water damage, but now your mother\u2019s got you second-guessing. Who\u2019s right? No need to argue \u2014 we\u2019ll settle it.<\/p>\n

True or false?<\/h2>\n

Insurance is complicated. Between the inclusions, exclusions, conditions and rules, it\u2019s hard to know where to start. You\u2019re busy, like everyone, and let\u2019s be honest \u2014 getting your head around the fine print isn\u2019t exactly a good time. No problem: that\u2019s what we\u2019re here for, and we\u2019re happy to clear it up. One less thing on your plate.<\/p>\n

1. Unlike car insurance, home insurance isn\u2019t required by law.<\/h3>\n

TRUE \u2714
\nThere\u2019s no law making home insurance mandatory. That said, most banks won\u2019t grant a mortgage unless the property you\u2019re buying is insured.<\/p>\n

2. As a renter, you don\u2019t need home insurance to protect your belongings \u2014 your landlord\u2019s policy has you covered.<\/h3>\n

FALSE
\nIf you\u2019re renting, you need your own home (tenant\u2019s) insurance to protect what\u2019s in your apartment and to give you civil liability coverage. That liability piece matters: it kicks in if you accidentally injure someone, or if a visiting friend slips on your stairs and gets hurt.<\/p>\n

3. If something\u2019s stolen out of your car, your home insurance covers it.<\/h3>\n

TRUE \u2714
\nYes \u2014 losses from items stolen out of your vehicle fall under your home insurance, within the limits your policy sets.<\/p>\n

4. Any water damage at home is automatically covered by your home insurance.<\/h3>\n

FALSE
\nA basic home policy usually covers the most common water damage \u2014 a leaking washing machine, a tap left running, that kind of thing. For bigger trouble, like a sewer backup, you can add coverage to round out your protection.<\/p>\n

5. It\u2019s always worth telling your broker before you renovate.<\/h3>\n

TRUE \u2714
\nRedoing the kitchen, adding a garage, finishing the basement \u2014 these can all raise what it would cost to rebuild your home. Let your broker know so your coverage keeps pace.<\/p>\n

6. Quebecers pay less for car insurance than anyone else in the country.<\/h3>\n

TRUE \u2714
\nIt\u2019s true! Quebecers pay $685 a year on average, versus $819 in New Brunswick and around $1,445 in Ontario. Nice to come out ahead for once! \u00b9 Just remember that in Quebec, private insurers don\u2019t cover bodily injury \u2014 that\u2019s handled by the Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ).<\/p>\n

7. Red cars cost more to insure.<\/h3>\n

FALSE
\nRed, green, blue or yellow with daisies on it \u2014 your car\u2019s colour has zero effect on your premium. What does matter: its make and model, your driving experience, where and how you drive it, the coverage you choose, and your claims history.<\/p>\n

8. Men pay more for car insurance than women.<\/h3>\n

TRUE and FALSE
\nA bit of both, actually \u2014 it comes down to age. Among 16-to-20-year-olds, there\u2019s a real gap between what a man pays on average ($664) and what a woman pays ($496). But it narrows with every age bracket, and by 45 to 64 the premiums are almost identical. \u00b2 The real takeaway: the more often claims happen, the more it costs to insure your vehicle for collision \u2014 regardless of age or gender.<\/p>\n

9. There aren\u2019t many ways to lower your home insurance premium.<\/h3>\n

FALSE
\nPlenty, actually: raise your deductible, bundle your home and car policies, add a burglar or fire alarm. And there\u2019s more where that came from \u2014 give us a call!<\/p>\n

10. An accident from sneezing at the wheel or swerving to miss a deer isn\u2019t covered.<\/h3>\n

FALSE
\nFlu or fighting fit, dodging a groundhog or a deer \u2014 if you carry collision coverage on top of civil liability, damage to your vehicle is covered.<\/p>\n

11. Telematics programs like my Driving\u00ae track my every move.<\/h3>\n

FALSE
\nIn car insurance, telematics gathers data on how you drive so good drivers can earn savings. Intact Insurance\u2019s my Driving\u00ae program uses it to set a premium discount of up to 25%, based on behaviours like hard acceleration, sudden braking and distraction at the wheel. Your data stays secure and isn\u2019t shared without your consent.<\/p>\n

12. Quick one to finish: if you\u2019ve got more questions about home insurance, we\u2019re always here to answer them.<\/h3>\n

Always TRUE \u2714<\/p>\n<\/div> <\/div>\n <\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1552,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"wds_primary_category":24,"footnotes":""},"categories":[24],"class_list":["post-1595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts\/1595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/comments?post=1595"}],"version-history":[{"count":0,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts\/1595\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media\/1552"}],"wp:attachment":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media?parent=1595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/categories?post=1595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}