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COMPARATOR ASSUR360 · QC PLATFORM

Home and Auto Insurance Broker in Quebec

Compare car + home with several insurers in a single quote. 10-20% bundle discount, a single point of contact, free and non-binding service. Assur360 puts you in touch with AMF-certified partner firms and brokers.

10-20 %

Bundle discount by combining car + home

9+

Insurers Compared

< 24 hours

Usual return period

3 min

To fill out the form

100 %

Free & non-binding service

The role of a home and auto insurance broker

The damage insurance broker is an independent professional, certified by the Autorité des marchés financiers (AMF) and a member of the Chambre de l’assurance. Unlike a captive agent attached to a single insurer, he works with several companies simultaneously. In concrete terms, he plays three roles for you:

Analyst

It assesses your needs

Type of vehicle, value of the home, loss history, valuable property, outbuildings (garage, pool, shed). The broker determines the coverage needed — not too much, not too little.

Negotiator

It Shops Your Premium

He submits your profile to several insurers (Intact, Aviva, Beneva, Promutuel, Economical, L’Unique, etc.) and compares the proposals. The right premium in the right place can vary by several hundred dollars per year.

Representative

He defends your interests

In the event of a claim, the broker is your ally. He opens the claim, explains the applicable coverage, coordinates the adjuster and defends the most favourable interpretation of your contract.

Combining car and home insurance: the 4 advantages

Bundling your car and home insurance with the same insurer (through the same broker) is almost always more advantageous — it’s called a multi-product program.

  1. Bundle discount 10-20% off the total premium. This is the standard incentive for insurers to build customer loyalty on both products.
  2. A single interlocutor, a single file. A renewal, an address to be updated, a contract modification: everything goes through the same broker.
  3. Mixed loss simplified. Garage fire that damages the car, theft of the vehicle parked in the driveway, water damage that damages the car in the basement: a single file, often a single deductible.
  4. Global vision of risk. The broker sees your entire insurance program and can detect coverage gaps (e.g., incorrectly declared valuable property, missing resort rider).

How it works with Assur360 in 4 steps

1

You fill out a single car + home form

Less than 3 minutes. Vehicle, ownership, driver profile, history. 100% online, no obligation.

2

Assur360 matches you with a broker from an AMF-certified partner firm

Depending on your region, your profile and the type of vehicle/property. The broker usually gets back in touch within 24 business hours.

3

He compares several insurers and presents you with 3 to 5 proposals

Prices, coverage, deductibles, endorsements: everything is put side by side so that you understand what you are paying for and what you are covered to receive.

4

You choose, it manages the purchase and cancellation of your current policies

The broker prepares for the transition without a coverage hole and accompanies you at the renewal the following year.

Broker vs. Direct Insurer: The Difference in 30 Seconds

broker

support

CriteriaIndependentDirect insurer
Number of insurers5 to 15 companies comparedOnly 1 (its own)
NeutralityIndependent, defends your interestsRepresents his employer
ClaimsPersonalizedGeneric 1-800 line
Cost of serviceFree (commissions paid by the insurer)Free
Reunification of car + homeOptimized between insurersOnly with your insurer

💡 Advice from a broker

Shop for your car+home every 3 years

Insurers recalibrate their rates by region, driver age and type of residence every year. What was the best deal in 2023 is no longer the best in 2026. Regular broker shopping helps keep your premium aligned with the market — without you having to make the calls yourself.

Home and auto insurance broker throughout Quebec

Assur360’s network of partner firms covers all of Quebec, including Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, the South Shore, the North Shore and rural areas. A local broker knows the regional particularities (hail risks in the Eastern Townships, flooding in Montérégie, theft rates by borough in Montreal) that influence the premium.

WHY ASSUR360

A comparator backed by an AMF-certified firm

  • ✓ Assur360 tek inc. — firm certified by the Autorité des marchés financiers
  • ✓ Partner firms and brokers who are members of the Chambre de l’assurance
  • ✓ Over 100,000 bid comparisons curated to date
  • ✓ Network of partners active throughout Quebec for more than 10 years
  • ✓ 100% free and non-binding quote

Frequently asked questions — home and auto broker

What is a home and auto insurance broker in Quebec?
A damage insurance broker is an independent professional certified by the Autorité des marchés financiers (AMF) who compares the offers of several insurers to find you the best home and auto protection. Unlike an agent tied to a single insurer, he or she shops for you and defends your interests.
How much does it cost to use an insurance broker?
The services of an insurance broker are completely free for the consumer in Quebec. The broker is compensated by the insurers via commissions paid when you take out a policy. You don’t have any additional fees to get personalized advice and several quotes compared.
What is the advantage of combining car and home insurance with the same broker?
Combining car and home with the same insurer generally gives a multi-product discount of 10 to 20% on the total premium. You have only one point of contact, a single file, simplified management in the event of a claim and often a single deductible if both policies are impacted (e.g., garage fire that damages the car).
Is Assur360 an insurance broker or comparator?
Assur360 is an insurance comparison site: we connect Quebecers with AMF-certified partner firms and brokers. The brokerage mandate and personalized advice are carried out by these partner firms, not by Assur360. Our role is to organize the quick comparison of several offers.
How long does it take to get a home and auto quote?
The form takes less than 3 minutes to complete. A broker from a partner firm usually calls you back within 24 business hours with several proposals compared. For an urgent need (purchase of a vehicle, taking possession of a house), specify it in the notes on the form.
Can I change insurer during the course of my contract?
Yes. You can cancel your home or auto policy at any time by written notice. The insurer gives you the unearned premium on a pro-rata basis (minus a generally modest cancellation fee). A broker compares and prepares for the transition to avoid any gaps in coverage.
What is the difference between an insurance broker and an insurance agent?
The insurance agent is an employee or representative of a single insurer (e.g., Desjardins, Belair). He sells only the products of that company. The broker is independent and works with several insurers simultaneously (typically 5 to 15). As a result, the broker can actually shop around for your premium, the agent cannot.
Can a broker help me in the event of a car or home claim?
Yes. The broker is your representative to the insurer throughout the policy cycle, including claims. He or she will assist you in opening a file, explain the applicable coverage, coordinate claims specialists as needed and defend the most favourable interpretation of your contract.
Which home and auto insurers are Assur360’s partner firms comparing?
Assur360’s partner firms compare the majority of the major insurers active in Quebec: Intact, Aviva, La Capitale (Beneva), Promutuel, L’Unique, Economical, Wawanesa, SSQ and others depending on the region. The goal is to obtain the best price-coverage combination for your profile.
Do I have to pay before receiving the quotes?
No. The quote request is completely free and without obligation. You are not obliged to do anything until you have accepted a policy and signed the contract. You can receive 3 to 5 compared proposals and decide freely — or retain nothing.

READY TO COMPARE

Get your home + auto quotes now

3 minutes to fill out, 24 hours to receive several proposals compared by a broker from an AMF-certified partner firm.

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