Please note that the QPAT office is closed from December 20, 2025, to January 5, 2026, inclusively. If you have an urgent issue during this period, please contact iA Financial Group (Industrial Alliance) at 1-866-585-8843
Long-term disability (LTD) benefits update Effective July 1, 2023.
QPAT has elected to apply a change effective July 1st, 2023 to the group insurance plan’s emergency out-of-province/country medical coverage.
Home insurance can help protect your house and belongings against the financial consequences of accidental damage or theft and is often required by mortgage companies, bank lenders and landlords. But how do you choose the right coverage for your unique needs?
Here are some basic dos and don’ts to keep in mind when you’re shopping around for home insurance.
It’s important to know what your insurance policy covers so that you can have peace of mind if you ever need to file a claim. While most policies cover claims related to fire, theft and wind damage, you may need to purchase additional coverage for other perils, such as:
It’s important to carve out time to review your policy each year because, if you renovate or make any major purchases for your home, you may need to adjust your coverage to ensure you’re properly protected. Try to choose the same time each year to complete your review so it’s easy to remember – your policy renewal date is a good option, but the first of the year or another key milestone could work too.
You may be able to reduce your insurance premium by installing additional security features in your home, like a security system or an alarm that connects to a monitoring system.
If you can do it safely, inspect your roof, water pipes, furnace and major appliances regularly or hire a professional to do it for you. This could prevent unnecessary damage, which may help you avoid a claim and save more on your insurance premium.
Being under-insured can cost you much more in the long run. Make sure you choose the coverage that best suits your lifestyle, the value of your possessions, and any unique risks associated with your home’s location, like an increased likelihood of flooding.
When making your home inventory, be sure to include all the small things that would add up quickly if you had to replace them. Your total coverage amount should exceed this combined value so you’re not on the hook for any out-of-pocket costs if something happens to your home and its contents.
Failing to provide your insurance company with accurate information may jeopardize your coverage if you need to file a claim, so do your best to answer all the questions on your quote to the best of your knowledge.
If important things change after your policy is in place – like you get a new roof, for example, or you replace your furnace – you’ll need to let your insurance company know so they can update your policy and ensure your coverage is still appropriate.
Home insurance is an essential requirement to protect your house and your belongings, so take the time to choose your coverage carefully. Plus, don’t forget that if you ever need to make a claim, you can get in touch with us any time – day or night.
You may contact QPAT for your general insurance inquiries. However, keep in mind that your local union represents you on behalf of the provincial Association.
Starling is an online mental health and wellness tool that helps you assess, monitor and improve your mental wellbeing. It’s an interactive, online program that teaches you about your mental functioning and gives you practical techniques for building stress resilience and boosting mental fitness.
As a member of a QPAT affiliated union, it’s available to you to use anywhere and anytime you want, for free. And it is and will always be 100% confidential!
N.B.: Your school board is not involved in this project and will NEVER have access to any information relating to your personal use of the Starling Minds program!
Get all the essential updates — from bill changes to media coverage and other documentation prepared by QPAT.
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