Home insurance in Montreal has become a must for any homeowner, co-owner or tenant in the city. Between sewer backups in Rosemont, break-ins in Ahuntsic, recurring water damage in the Plateau-Mont-Royal and the continued rise in premiums in Quebec, it’s more important than ever to shop around for your policy with multiple insurers. At Assur360, a brokerage firm certified by the Autorité des marchés financiers (AMF), our brokers compare more than 30 insurers to offer you the best protection at the best price, anywhere on the island of Montreal.
ASSURANCE HABITATION MONTRÉAL 2026
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Obtenir ma soumissionWhy Home Insurance Is Essential in Montreal
Montreal is the most populous metropolis in Quebec with nearly 1.8 million inhabitants on the island and more than 4.3 million in the metropolitan area. This urban density, combined with an old housing stock (a large proportion of the housing dates from before 1960), exposes residents to specific risks that home insurance must cover: water damage related to aging plumbing, sewer backups, electrical fires, burglaries, falling objects and high civil liability in condominiums.
According to the Insurance Bureau of Canada (IBC), water damage is now the leading cause of home insurance claims in Quebec, even ahead of fires. In Montreal, torrential rainfall and pressure on the municipal sewer system contribute to this trend. Adequate protection is no longer a luxury — it’s a necessity.
Water damage
Sewer backup in Rosemont, Villeray, Saint-Léonard. Flooding near the Rivière-des-Prairies and the Lachine Canal. More than 40% of home claims in Montreal.
Burglaries
Montréal-Nord, Saint-Michel and Côte-des-Neiges have the highest rates. Ground-floor apartments are particularly targeted in the Plateau and Little Italy.
Residential fires
The SIM intervenes in nearly 4,000 fires per year in Montreal. Old triplexes and duplexes in the Plateau, Verdun and Hochelaga are particularly vulnerable to aging electrical installations.
Average home insurance prices in Montreal in 2026
The cost of home insurance in Montreal varies considerably depending on the type of housing, the borough, the age of the building and the profile of the insured. Here is a range of average prices observed by our brokers in 2026, for information purposes:
| Type of accommodation | Average | annual premiumTypical deductible |
|---|---|---|
| Tenant (apartment) | $220 to $ | 420$500 |
| Co-owner (condo) | $380 to $ | 720$500 to $1,000 |
| Owner (plex 2-3 units) | $950 to $ | 1,800$1,000 |
| Owner (single-family home) | $880 to $ | 1,650$1,000 |
| Owner (luxury residence) | $2,400 to $6,000+ | $2,500+ |
These prices also vary greatly depending on the postal code. Boroughs in H1 (Rivière-des-Prairies, Montréal-Nord, Anjou) often have higher premiums because of flood zones or theft rates. H3 areas (Westmount, Outremont) can cost more because of the reconstruction value. The H2 and H4 codes (Plateau, Verdun, LaSalle, Lachine) are generally average.
Did you know?
A home built before 1970 in Montreal can cost up to 30% more to insure than a new home. Electrical renovations (switching from knob-and-tube to modern wiring) and plumbing upgrades (replacing the lead pipe) can significantly reduce your premium. Keep your renovation invoices, your Assur360 broker will use them to negotiate.
Boroughs and their particularities
Each borough of Montréal has its own risk profile. Here’s a detailed look at the industries where our brokers insure the most clients:
Plateau-Mont-Royal
Old buildings (1900-1930), plumbing to be monitored, triplexes converted into condominiums. Frequent water damage between neighbours. Endorsement A (water damage) coverage is essential.
Rosemont–La Petite-Patrie
Recurrent sewer backups (lower sector). Sewer backup protection (RE endorsement) is a must and not included by default.
Ville-Marie (Downtown)
High-rise condominiums, increased civil liability, risks of theft in short-term rental condos. Check your personal property coverage.
Verdun
Gentrification in progress, mixed real estate portfolio. Proximity to the St. Lawrence River: validate your protection against surface water flooding.
Ahuntsic–Cartierville
Flood zones near the Rivière-des-Prairies (Gouin Ouest). Flood insurance is mandatory if you are in a risk area according to the CMM.
Montreal North
Higher theft rates. Discounts are possible with a certified alarm system and a high-security lock on the front doors.
Outremont & Westmount
High reconstruction values ($700,000+). Choose a guaranteed replacement cost policy and valuables protection.
LaSalle & Lachine
Developing area, close to the Lachine Canal. Mix of single-family homes and new condos. Generally competitive premiums.
Hochelaga-Maisonneuve
Old buildings (1910-1940), numerous triplexes. Beware of outdated electrical installations. Upgrade = significant cost savings.
How to get your home insurance quote in Montreal in 4 steps
Fill out the online form
3 minutes is enough. Address, type of housing, estimated value, year of construction, heating system. No credit card required.
Your Assur360 broker contacts you
An AMF-certified broker based in Quebec will call you back within 24 business hours to validate your needs and identify essential coverage.
We compare 30+ insurers
We negotiate with our partners (Intact, Aviva, Wawanesa, Promutuel, SSQ, Unica, etc.) to present you with the 2-3 best options according to your profile.
You choose and sign online
Effective same-day coverage if required. Documents sent by secure email. Monthly or annual payment of your choice.
Essential home insurance coverage in Montreal
A home insurance policy in Montreal generally includes several basic coverages, to which you often have to add specific endorsements to be truly protected. Here are the coverages that our brokers consistently recommend:
Building & Property
Covers the structure, exterior cladding, interior goods (furniture, clothing, electronics). Always require replacement cost.
Civil liability
Minimum $1 million, recommended $2 million in Montreal to cover damage caused to a neighbour (water damage, communicating fire).
Sewer backup
Essential endorsement in Montreal. Covers damage caused by backing up from the municipal network in your basement.
Surface water / flooding
Essential near the Rivière-des-Prairies, the St. Lawrence River or the Lachine Canal. Check your flood zone with the CMM.
Living expenses
If your home becomes uninhabitable (after a fire or major damage), the insurer will pay for the hotel and meals for the duration of the repairs.
Valuables
Jewelry, artwork, musical instruments, e-bikes. Basic ceilings are often insufficient: add a specific endorsement.
Beware of common exclusions
Basic policies often exclude: sewer backup, surface water, earthquake, roof infiltration, pet damage, and short-term rentals (Airbnb). Always ask your broker for the full list of exclusions before signing.
10 Tips to Reduce Your Home Insurance Premium in Montreal
The home insurance premium is not fixed: it is negotiated and modulated according to your choices. Here are 10 proven strategies by our brokers to lower your bill:
- Increasing your deductible from $500 to $1,000 can reduce your premium by 10% to 15%.
- Combining car and home with the same insurer: 10% to 20% discount.
- Install an alarm system connected to a ULC-certified control panel: up to 15% off.
- Upgrade plumbing (replace lead or galvanized pipes): discount and better acceptance.
- Renovate the electricity (replace the knob-and-tube or fuses with a modern panel).
- Install a check valve for sewer backup (mandatory for some insurers in Montreal).
- Compliant smoke and monoxide detectors , fire extinguisher in the kitchen: small cumulative discounts.
- Pay annually instead of monthly: Avoid split fees (up to 4%).
- Maintain a good credit history : Most insurers use the score to rate.
- Shop every 3 years through a broker — Assur360 does it for free for you.
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Comparer maintenantBroker vs. Insurance Agent: The Difference in Montreal
Many Montrealers still confuse insurance broker and agent. However, the distinction is fundamental according to the Chambre de l’assurance de dommages (ChAD):
| Criterion | Broker (Assur360) | Insurance Agent |
|---|---|---|
| Represents | You, the Customer | One Company |
| Number of insurers | 30+ insurers | 1 insurer |
| Price comparison | Yes, automatic | No |
| Independent advice | Yes | Limited to in-house products |
| AMF Certification | Yes (mandatory) | Yes (mandatory) |
| Fees for the customer | None (insurance commission) | None |
In summary: an Assur360 broker saves you time and money by shopping for yourself, without it costing you anything. It is the insurer who pays the commission to the broker, not the client.
Home insurance on the island of Montreal and the metropolitan area
Our brokers insure residents throughout the island of Montreal as well as in the neighbouring municipalities of the Metropolitan Community. We work with clients in Montreal, Laval, Longueuil, Brossard, Saint-Lambert, Boucherville, Dollard-des-Ormeaux, Pointe-Claire, Kirkland, Pierrefonds-Roxboro, Repentigny, Terrebonne, Mascouche, Mirabel and Saint-Jérôme. We also have specialized brokers for prestigious residential areas (Westmount, Outremont, Hampstead, Mount Royal).
Other useful pages
Assurance habitation — guide général
Toutes les protections, franchises et conseils pour votre police habitation au Québec.
Assurance condo (copropriété)
Spécificités Loi 16, amélioration locative, responsabilité civile en copropriété.
Assurance locataire Montréal
Protégez vos biens et votre responsabilité civile en appartement pour aussi peu que 15 $/mois.
Assurance habitation Laval
Prix, quartiers et spécificités de Laval-des-Rapides à Sainte-Dorothée.
Assurance habitation Longueuil
Rive-Sud : Vieux-Longueuil, Saint-Hubert, Greenfield Park.
Assurance maison de luxe
Pour les résidences de 750 000 $+ à Westmount, Outremont, Hampstead.
Frequently Asked Questions — Montreal Home Insurance
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