Medical specialist - Home insurance



Choose Sogemec for your home insurance and get exclusive rates on quality products and services.


The Sogemec insurance plan offers comprehensive all-risk insurance as well as optional coverage that can be tailored to meet your needs.



Water damage coverage – Provides additional coverage (on top of the basic insurance) for ground water damage, including:

  • Sewer back-up
  • Seepage or influx of water from natural sources through foundations and basement walls, doors or other openings

Earthquake coverage – Covers property damage caused by ground movements occurring during earthquakes


Extension of coverage exclusively for FMSQ members – Optional coverage that gives you:

  • More options in the event of a loss, including:
    - Replacement cost with no obligation to rebuild
    - Replacement cost for contents with no obligation to replace or repair
  • Enhanced coverage, such as:
    - $10,000 for jewellery, precious stones, pearls and watches
    - $10,000 for bicycles, accessories and equipment
    - $100,000 for artwork

Umbrella policy – Provides additional liability insurance for losses that occur anywhere in the world


Just two of the perks of having home insurance with us! – As a member of FMSQ, you have access to Identity Theft and Legal Telephone Assistance services, at no extra charge.

Identity Theft Assistance



Identity Theft Assistance is a confidential service. If your identity has been stolen, or you suspect that it might have been, call our lawyers or psychologists1, day or night, to:

  • Get advice on how to prevent identity theft
  • Ask questions about identity theft
  • Get help to recover your identity2

Already have home insurance with us? Call 1 877 870-4973.


Make sure to have your policy number on hand when you call.



  • Your passport is stolen and you want to know how to protect yourself
  • You lose your social insurance card and want to make sure no one has applied for credit in your name
  • You lose your wallet and want to know where to begin to get new pieces of ID

This service is offered to clients who have a home insurance policy with The Personal. Conditions, exclusions and limitations may apply.

  1. Our identity theft lawyers are available Monday to Friday from 9:00 a.m. to 8:00 p.m. and Saturday from 9:00 a.m. to 5:00 p.m. (excluding holidays). Outside of these hours, a coordinator from The Personal Assistance Services will walk you through the initial steps and a lawyer will call you back. Our psychologist service consists of a complimentary one-hour telephone consultation to help you manage the stress associated with identity theft, and must be used within a year of the Identity Theft Assistance file being opened.
  2. Identity Theft Assistance provides a service only; it does not cover any financial losses.


Legal Assistance



Legal Assistance can come in handy in different situations:

  • You’re thinking of breaking your vehicle lease but you want to know what the legal ramifications are first
  • You have questions about your will or civil union
  • You’re having trouble with a neighbour and want to know what your rights are


  1. Call to speak with one of our lawyers at no extra cost and with no time limits. All calls are confidential.
  2. Have your home insurance policy number on hand when you call.
  3. Call 1-888-875-7540, Monday to Friday from 9 a.m. to 8 p.m. and Saturday from 9 a.m. to 5 p.m.

This service covers all areas of law except criminal and tax law. Areas of law you can ask about:

  • Family
  • Labour
  • Real estate
  • Contracts
  • Estates
  • Civil court

This service is offered to clients who have a home insurance policy with The Personal. Conditions, exclusions and limitations may apply.
The Personal refers to The Personal General Insurance Inc.


The Sogemec group insurance plan is underwritten by The Personal General Insurance Inc. Some conditions, limitations and exclusions may apply to the offers described above. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.