Home Insurance
in Quebec
Compare 9 AMF-certified insurers in 2 minutes. House, condo, or apartment — find the ideal coverage at the best price.
Protect your home without overpaying
Protecting your house, condo, or apartment shouldn’t cost a fortune. With Assur360, compare prices from 9 Quebec insurers certified by the Autorité des marchés financiers (AMF) in just 2 minutes.
Find the ideal coverage at the best price, whether you are a homeowner, co-owner, or tenant.
How it works
Quick form
Fill out your home information in 2 minutes
Comparison of 9 insurers
We automatically compare offers from 9 certified insurers
Advice from a broker
An AMF-certified broker contacts you with the best options
Save $400/year
Average savings observed on home insurance
What home insurance covers in Quebec
Your home insurance policy in Quebec protects three essential areas. Understanding each helps you choose the right coverage without paying for unnecessary protections.
The building (structure)
Covers the physical structure of your home: walls, roof, foundations, floors, windows, doors, plumbing, electrical, and heating systems. In the event of a major loss (fire, storm), this coverage pays for the reconstruction or repair of your property.
The contents (personal belongings)
Covers your personal effects: furniture, electronics, clothing, appliances, jewelry, tools, and sports equipment. Most people underestimate the value of their belongings by 30% to 50%. Make a detailed inventory to ensure you are adequately covered.
Liability coverage
Covers damages you accidentally cause to others. An guest gets injured in your home? A water damage in your apartment affects the neighbor below? Your liability coverage takes care of the costs. The recommended minimum is $1,000,000, or even $2,000,000 if you have a pool or a dog.
The 3 home insurance options explained
In Quebec, insurers offer three levels of coverage. The choice of option directly impacts your premium and your protection.
| Option | Building | Contents | Ideal for | Relative price |
|---|---|---|---|---|
| Basic (named perils) | Named perils | Named perils | Tenants, tight budgets | $ |
| Broad | All risks | Named perils | Homeowners, good value | $$ |
| All risks | All risks | All risks | Maximum protection, valuable properties | $$$ |
Named perils means that only the losses explicitly listed in the policy are covered (fire, theft, vandalism, storm, etc.). All risks means that everything is covered except for explicit exclusions. The broad option is the most popular choice in Quebec.
Home insurance by property type
Single-family home
The most comprehensive coverage is recommended. You are responsible for the entire structure, the land, and outbuildings (garage, shed, pool). The cost of reconstruction is the main factor determining your premium. Ensure that your coverage amount reflects the current reconstruction cost, not the market value.
Condo (co-ownership)
As a co-owner, the co-ownership syndicate insures the common areas and the building structure. Your personal insurance covers your improvements (floors, cabinets, countertops), your contents, and your liability coverage. Check the syndicate’s policy for the common deductible — you may be required to pay your share in case of a loss. Learn more about condo insurance.
Apartment (tenant)
As a tenant, you do not need to insure the building (that is the landlord’s responsibility). Your insurance covers your personal contents and your liability coverage. This is the cheapest option, but it is essential: without it, a fire or theft leaves you without recourse. Learn more about tenant insurance.
Price estimates by type of dwelling (2026)
| Type | Average annual price | Monthly price | What is covered |
|---|---|---|---|
| Single-family home | $1,200 – $2,500 | $100 – $210 | Building + contents + liability |
| Condo | $400 – $900 | $35 – $75 | Improvements + contents + liability |
| Tenant (renter) | $300 – $700 | $25 – $60 | Contents + liability |
| Cottage / secondary residence | $800 – $2,000 | $67 – $167 | Building + contents (specific conditions) |
These prices are estimates based on the Quebec market in 2026. Your actual premium depends on many factors. Get your exact price in 2 minutes.
Important endorsements to consider
Endorsements are additional protections that add to your base policy. Some are essential depending on your situation.
Water damage endorsement (sewer backup)
The most common claim in Quebec. Your base policy does not cover sewer backup or underground water infiltration. This endorsement is highly recommended, especially if your basement is finished. According to the Insurance Bureau of Canada (IBC), water damage is the leading cause of residential claims in the country.
Earthquake endorsement
Not covered by the standard policy. Quebec is located in an active seismic zone, particularly the St. Lawrence Valley, Charlevoix, and Outaouais. This endorsement covers damage to your building and contents caused by an earthquake.
Replacement cost endorsement
Without this endorsement, your damaged property is reimbursed at its depreciated value (wear and tear). With replacement cost, you receive the amount necessary to purchase an equivalent new replacement. The difference can be several thousand dollars.
Identity theft endorsement
Covers expenses related to identity theft: legal fees, loss of income, credit restoration costs. With the rise of cybercrime, this endorsement is becoming increasingly relevant.
Home office endorsement
If you work from home with expensive professional equipment or if you receive clients at your home, this endorsement extends your coverage to include your equipment and professional liability.
What home insurance does NOT cover
Knowing the exclusions helps you avoid unpleasant surprises when making a claim. Here are the most common exclusions in Quebec:
- Flooding from overflowing waterways — specific endorsement required
- Sewer backup — specific endorsement required
- Earthquakes — specific endorsement required
- Ground movements (landslides, subsidence)
- Normal wear and tear and neglected maintenance (worn roof, chronic mold)
- Environmental contamination (pyrite, radon, asbestos)
- Wars, terrorist acts, riots
- Intentional damage
For some exclusions, endorsements are available. Discuss with your insurance broker to identify additional protections relevant to your situation.
What to do in case of a claim at your home
A claim is stressful. Follow these steps to protect your rights and facilitate your claim.
- Ensure safety: Evacuate if necessary. Call 911 in case of fire, collapse, or immediate danger.
- Limit damages: Turn off the water in case of water damage, cover a broken window with a tarp. Your policy requires you to take reasonable steps to limit damages.
- Document everything: Take photos and videos of the damages before touching anything. Note the date, time, and circumstances of the claim.
- Contact your insurer: Report the claim within 24 hours. Your insurer will assign a claims specialist to you.
- Do not throw anything away: Keep all damaged property until the expert visits. They serve as evidence for your claim.
- Keep your receipts: If you need temporary housing or to purchase essential items, keep all receipts — these expenses are generally covered by your policy.
Are you well protected? Check in 2 minutes.
Compare 9 certified AMF Quebec insurers. Free, no obligation.
Compare prices now →What influences the price of your home insurance?
Your property
- Type of dwelling: Detached house, semi-detached, condo, apartment — each type has a different risk profile.
- Age of the building: Older homes cost more to insure (plumbing, electrical, roofing).
- Reconstruction value: The higher the cost to rebuild, the higher the premium.
- Type of heating: Wood or oil heating costs more to insure than electricity.
- Proximity to a fire hydrant: The closer you are, the lower your premium.
Your profile
- Claims history: Each claim can increase your premium for 5 to 7 years.
- Credit score: Some insurers use it as a pricing factor.
- Place of residence: Urban areas, flood-prone areas, and regions with high crime rates cost more.
7 strategies to reduce your home insurance premium
- Compare at least 3 insurers: Premiums vary from 20% to 40% from one insurer to another for the same coverage. Use our free comparison tool.
- Bundle your insurance: Combine auto and home for a discount of 5% to 15%.
- Increase your deductible: Moving from $500 to $1,000 can reduce your premium significantly. “““html re premium of 15% to 25%.
- Install an alarm system: A ULC certified system with monitoring can reduce your premium by up to 15%.
- Improve your property: New roofing, modern plumbing, updated electrical panel — each improvement reduces risk.
- Maintain a good record: No claims for 5+ years qualifies you for the best rates.
- Ask for all discounts: Retired, non-smoker, new home, annual payment, alarm — every discount counts.
Why choose an Assur360 insurance broker instead of a direct insurer?
Quebec homeowners save an average of $400 per year by going through a broker instead of a direct insurer like Intact, Desjardins, or TD Insurance. Here’s why.
The brokers from our partner firms compare offers from Intact, Desjardins, TD, La Capitale, Belair, Promutuel, L’Unique, and other Quebec insurers for your home insurance.
Your protection governed by Quebec authorities
In Quebec, home insurance is a strictly regulated sector to protect consumers:
- Autorité des marchés financiers (AMF) — Oversees the entire insurance sector in Quebec. All insurers and brokers must hold a valid license.
- Chamber of Insurance — Regulates property and casualty insurance brokers and agents. Check your broker’s certifications on their public registry.
- Éducaloi — Free legal resource to understand your rights in home insurance in Quebec.
- Insurance Bureau of Canada (IBC) — Statistics and resources on residential claims in Canada.
Assur360’s partner brokers are all certified by the AMF and members of the Chamber of Insurance.
Why choose Assur360 for your home insurance?
Certified brokers
License from the Autorité des marchés financiers
Members of the Chamber of Insurance
Chamber of Insurance
Quotes
Over 100,000 quotes compared
Insurers
Compared for the best price
Frequently Asked Questions — Home Insurance in Quebec
Is home insurance mandatory in Quebec?
No, home insurance is not legally mandatory in Quebec for homeowners. However, your mortgage lender requires it in the vast majority of cases. For tenants, the landlord may require it in the lease. In practice, being uninsured exposes you to significant financial losses in the event of a claim.
How much does home insurance cost in Quebec in 2026?
L “““html e average cost varies by type: single-family home between $1,200 and $2,500 per year, condo between $400 and $900, tenant housing between $300 and $700. The price depends on your place of residence, the value of the building, your claims history, and the chosen coverages.
What does home insurance cover?
Three components: the building (structure, roof, foundations), the contents (furniture, appliances, personal belongings), and liability (damages caused to others). Depending on the chosen plan (basic, extended, or all risks), coverage varies. Endorsements allow for the addition of specific protections.
What is the difference between basic, extended, and all risks plans?
Basic = only listed perils are covered. Extended = building all risks, contents named perils. All risks = building AND contents all risks, except for explicit exclusions. The extended plan is the most popular in Quebec.
What to do in case of a claim?
1) Ensure safety and call 911 if necessary; 2) Limit damages; 3) Document with photos and videos; 4) Contact your insurer within 24 hours; 5) Do not throw anything away before the adjuster’s visit; 6) Keep all your receipts for temporary expenses.
How can I reduce the cost of my home insurance?
Compare 3+ insurers, bundle auto and home (discount 5-15%), increase the deductible, install a certified ULC alarm system, improve the roof and plumbing, maintain a good claims-free record, ask for all discounts (retired, non-smoker, annual payment).
Does insurance cover water damage?
It depends. Sewer backup and underground seepage are NOT covered by the basic policy — an endorsement is required. Internal pipe breaks are generally covered. Flooding from overflowing rivers also requires a separate endorsement.
What is the difference between a broker and an agent?
An insurance broker is independent and compares multiple insurers. An agent represents a single company. Both are regulated by the AMF and the Chamber of Insurance. The broker is free — their commission is paid by the insurer.
What is replacement cost?
Replacement cost reimburses the cost of an equivalent new replacement, without deduction for depreciation. Without this option, you receive the used value of your belongings. The difference can be thousands of dollars. Strongly recommended.
Does insurance cover earthquakes?
No, not by default. A specific endorsement is required. Quebec is in an active seismic zone (St. Lawrence Valley, Charlevoix, Outaouais). This endorsement is recommended in these areas.
Does my insurance cover telecommuting?
A basic home office is generally covered. If you receive clients or have expensive professional equipment, a home office endorsement is necessary. Always inform your insurer of your telecommuting situation.
How to assess the value of my belongings?
Make an inventory room by room: furniture, electronics, clothing, jewelry, appliances. Photograph each item and keep the receipts. Most people underestimate by 30% to 50%. Update your inventory annually.
What factors influence the price?
Type of dwelling, age of the building, reconstruction value, place of residence, proximity to a fire station, claims history, chosen deductible, security system, and type of heating.
Can I change insurers mid-contract?
Yes, you can cancel at any time with written notice. Short-term cancellation fees may apply. The ideal time to change is at the renewal date to avoid these fees.
How long does an online quote take?
With Assur360, 2 minutes is enough to compare 9 insurers. You will need your address, year of construction, type of heating, and approximate value of your belongings. Free and without obligation.
What liability coverage should I choose?
Recommended minimum: $1,000,000. If you have a pool, trampoline, or dog, consider $2,000,000. The additional cost is minimal compared to the protection offered.
Protect your home at the best price
The brokers from our certified AMF partner firms compare 9 insurers to find you the best home coverage. Free, no obligation. Average savings: $400 per year.
Home insurance by city and neighbourhood in Quebec
We serve more than 90 cities and neighbourhoods across Quebec — from Greater Montreal to the Gaspé Peninsula, Saguenay, Quebec City and Abitibi. Select your location for a guide and a personalized quote.
How much will I receive after a home claim?
Simulator that calculates your actual compensation based on your coverage (A/B/C/D) and the cause of the claim.
Should I buy or rent my home?
Calculator that compares the actual cost of buying vs renting over 1 to 30 years, including investments and selling fees.