Home Insurance
Real estate is a big investment. PMC Desaulniers Insurance Brokers Inc. will help you protect it!
Your home is your most valuable asset. It’s worth taking the time to confirm you have coverage that will give you peace of mind. There are many choices available to help customize your policy and, as independent brokers, we will shop the various markets to find the right coverage for you.
Many renters believe that they don’t need tenant insurance. If your neighbour has a kitchen fire that spreads or if you have a break-in and theft, would it be financially difficult to replace your possessions? If someone is hurt in your home and sues you, would it be financially difficult to pay for your defense costs, lawyer’s fees and any resulting settlement? This insurance can cost as little as $200 per year!
Condominium insurance policies cover your possessions as well as improvements you make to your condo. ‘Loss Assessment’ covers your portion of costs for insured losses to common areas. As the Condo Corporation’s insurance policy may have a very high deductible, most policies will also cover your portion of this deductible. ‘Additional Coverage’ will protect you in case the Condo Corporation has inadequate coverage, ineffective or lapsed coverage or no insurance at all.
Work/Farm
Get the insurance you need from the people you trust.
From a small home-based business to a large commercial operation, we can help you find the right commercial coverage. Our suite of insurance companies for these types of risks includes, but is not limited to:
• Allianz
• Aviva Canada
• BC Mutual
• Beacon Underwriting
• Berkley
• CFC Underwriting
• CHUBB
• CNA
• Economical
• Encon
• Federated Insurance Company of Canada
• Global Aero
• Intact Insurance
• K&K
• Liberty
• Lloyds of London
• MAX Canada Insurance Company
• Milnco Insurance
• National Brokerage Services Inc.
• Optimum
• PAL Insurance Brokers Canada Ltd.
• Peace Hills Insurance
• Premier Marine
• Red River Mutual
• RSA
• SGI Canada
• South Western Group
• Sovereign
• SMI
• Special Risk Extension (SRE)
• Special Risk Insurance Managers (SRIM)
• Temple
• TransCanada Insurance Marketing (TCIM)
• Totten
• Travelers
• Trisura
• Underwriting Contract Administrators Inc. (UCAI)
• Wawanesa Insurance
• Western Surety
• XL Catlin
• Zurich
PMCD also offers comprehensive farm insurance policies. Our agriculture subject matter experts will customize your policy to match your present and future needs with the following insurers:
• BC Mutual
• Ecclesiastical
• Intact Insurance
• MAX Canada
• Peace Hills Insurance
• Red River Mutual
• SGI Canada
• Wawanesa Insurance
• Western General
Play
Live well, work well and play well… we’ve got you covered!
When traveling outside Manitoba, remember that Manitoba Health excludes some of their coverage even if you are traveling within Canada. We work with several travel insurance companies so we can compare coverage and costs in order to offer you the most competitive policy.
Not all cottage policies are created equal. A ‘Basic Seasonal’ policy will usually cover: fire and lightning, explosion, smoke, falling object, impact by aircraft or land vehicle, riot, certain water damage losses, windstorm or hail, and electricity. ‘Broad’ cabin insurance will include all these perils plus vandalism or malicious acts, burglary, robbery and damage caused by bears. ‘Comprehensive Seasonal Homeowners’ policies add theft, attempted theft, glass breakage, transportation, collapse or partial collapse of the building.
Most boat policies contain language that allows underwriters to deny any damage resulting from wear and tear, corrosion, rust, etc. Unique to specialty markets, is coverage for basic marine perils (fire, sinking, collisions, etc.) that other policies DO NOT INSURE leaving you without coverage should a thru hull corrode, or vermin chew the exhaust valves and cause the boat to sink. Wouldn’t it be nice to have insurance against emergency towing, retrieval of the wreckage, rental expense?
