I am a general practitioner. My place is here.

Home Insurance

Benefit from exclusive enhanced coverage

“THE” reference in terms of home insurance, Sogemec Assurances gives you access to superior quality products and services at exclusive rates thanks to the strength and purchasing power of your Federation. Our plan offers comprehensive insurance to which you can add optional coverage that meets your specific needs.

Optional coverages: the choice is yours!

Extensions of coverage exclusive to Doctors: This optional endorsement grants you:

  • Additional settlement terms in the event of a claim, namely:
    – Replacement value without obligation to rebuild
    – Replacement value without obligation to replace your movable property
  • Enhanced coverages, such as:
    – $15,000 for jewellery, gemstones, pearls and watches
    – $10,000 for bicycles, their accessories and equipment
    – $100,000 for works of art

Water damage:
In addition to the basic coverage, get an insurance rider that covers ground water damage, such as:

  • Sewer backup
  • Penetration or infiltration of natural water through foundations, walls or basement openings

Earthquake:
Covers damage caused by ground movements that may occur during an earthquake.

Umbrella insurance:
In the event of a disaster occurring anywhere in the world, Umbrella insurance completes your coverage by expanding the scope of civil liability.

You wish to find out more? Ask us for advice

1 866 350-8282

Please note that the plan offered by Sogemec Assurances is underwritten by The Personal Insurance Company. Certain conditions, exclusions and limitations may apply to the aforementioned offers. The terms and conditions relating to the coverages described are specified in the insurance contract, which prevails at all times.

Benefits reserved for our policyholders!

As a member of the FMOQ, you benefit from the following telephone assistance services:

Q&A: Identity theft assistance

How does it work?

The Identity theft assistance is a free telephone service following identity theft, a perk to policyholders who have auto or home insurance with Sogemec Assurances/The Personal. Certain conditions, exclusions and limitations may apply.

If your identity is stolen, the Identity theft assistance provides individual support during every step of the identity recovery process.

If you:

  • need ID prevention tips,
  • need assistance restoring your ID,
  • are a victim of ID theft or believe you might be,

contact us.

 

The Personal refers to The Personal General Insurance Inc. Service offered to The Personal clients by the Fédération des Caisses Desjardins du Québec. Certain conditions, exclusions and limitations may apply.

How to call identity theft assistance?

The business hours are from Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 8 a.m. to 4 p.m. (Eastern Time).

What are the business hours?

The business hours are from Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 8 a.m. to 4 p.m. (Eastern Time).

Q&A: Legal aid

Who’s entitled to legal aid?

This service is offered to customers who have home insurance with Sogemec Assurances/The Personal. Certain conditions, exclusions and limitations may apply. Note that the terms and conditions relating to the coverage described are specified in the insurance contract, which prevails at all times.

The Personal means The Personal Insurance Inc

How does this service work?

  • You can call a notary from our legal aid service toll-free and without time limits at 1-888-875-7540.
  • All calls are confidential.
  • Simply have your home insurance policy number handy when you call

What are the business hours?

Monday to Friday from 9 a.m. to 8 p.m. and Saturday from 9 a.m. to 5 p.m.

When should you use this service?

Legal aid could be useful to you in this type of situation:

  • You are renting a new vehicle and want to end your rental contract, but first you want to know the legal consequences.
  • You have questions about your will or your civil union.
  • You are in conflict with your neighbour and want to know your rights.

Can legal aid assist me following a crime?

All areas of law are covered, except criminal law and tax law. Examples of topics that can be covered:

  • Family
  • Labour
  • Real estate
  • Contracts
  • Estate
  • Civil court hearings

Did you know that...

The Home insurance offered to doctors includes several telephone assistance services, in case of identity theft for example. You can even call the legal aid service if you want to know the consequences before cancelling a contract or when dealing with a dispute. In other words, your home insurance can help you deal with a host of civil law issues.

Claims Center

You have access to a claims service day and night, available on the web or by phone. Click here to make a claim

You own a practice or clinic?

Have you thought about protecting yourself in case of liability, fire or theft? Click here to learn more.

Did you know that your Federation is a shareholder of Sogemec Assurances?

«The Fédération's decision to become a shareholder in Sogemec Assurances stems from its desire to offer competitive, high-quality insurance products that are particularly well adapted to the realities of family doctors and their families. Our members will benefit from cutting-edge products and services, created for doctors and by doctors.»

Dr Marc-André Amyot

— Dr Marc-André Amyot
President of FMOQ