Earthquake insurance Quebec 2026: home endorsement

No. The vast majority of home insurance policies in Quebec exclude damage caused by an earthquake. You must add an earthquake endorsement (paid option) to be protected. Check your current contract or request an Assur360 quote.

According to Natural Resources Canada, areas of moderate seismicity in Quebec include Charlevoix–Kamouraska, western Quebec (Ottawa Valley, Montreal, Laurentians), Bas-Saint-Laurent and Saguenay. Charlevoix is the most active region historically.

Unlike a fixed deductible, the earthquake deductible is expressed as a percentage of the reconstruction amount. Example: For a home insured for $400,000, a 3% deductible = $12,000 at your expense before repayment.

In 2026, you can generally expect to pay between $60 and $250 per year depending on the region, the type of building, the deductible chosen and the insured value. Homes in Charlevoix or near active faults cost more to cover.

Partially. The endorsement generally covers direct damage caused by shaking (structural cracks, collapse, etc.) as well as certain consequential water damage (pipe breaks caused by the earthquake). Surface flooding remains excluded without a separate amendment.

Damage caused by shaking and aftershocks is generally considered a single event during a defined period of time (often 72 hours). Report the claim to your insurer as soon as possible , ideally within 48 hours.

Yes. Preventative measures such as anchoring the water heater, reinforcing chimneys, installing anti-tip fasteners and a reinforced foundation can reduce the premium with some insurers. Mention them when you submit.

Fill out our home form in 3 minutes or call an AMF-certified Assur360 broker at 1-866-357-4451. We compare 9+ insurers and show you the best options with or without an earthquake endorsement.