Home insurance
in Quebec
Compare 9 AMF-certified insurers in 2 minutes. Home, condo or apartment — find the perfect coverage at the best price.
Protect your home without paying too much
Protecting your home, condo, or unit doesn’t have to cost a fortune. With Assur360, compare the prices of 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 in the information about your home in 2 minutes
Comparison 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 on home insurance
What Home Insurance Covers in Quebec
Your home insurance policy in Quebec protects three essential components. Understanding each one helps you choose the right coverage without paying for unnecessary coverage.
The building (structure)
Covers the physical structure of your home: walls, roof, foundation, floors, windows, doors, plumbing systems, electrical and heating. In the event of a major loss (fire, storm), this coverage pays for the reconstruction or repair of your property.
Content (personal property)
Covers your personal belongings: furniture, electronics, clothing, appliances, jewelry, tools and sporting goods. The majority of people underestimate the value of their assets by 30 to 50%. Take a detailed inventory to make sure you’re adequately covered.
Civil liability
Covers damage you unintentionally cause to others. Is a guest injured in your home? Water damage in your home affects the neighbour downstairs? Your civil liability covers the costs. The recommended minimum is $1,000,000, or even $2,000,000 if you have a pool or a dog.
The 3 home insurance formulas explained
In Quebec, insurers offer three levels of coverage. The choice of formula has a direct impact on your premium and your protection.
| Formula | Building | Contents | Ideal for | Relative Price |
|---|---|---|---|---|
| Basic (named risks) | Named | risksNamed | risksTenants | , tight budgets$ |
| Scope | All risks | Named | risksOwners, good value for money | $$ |
| All risks | All risks | All risks | Maximum protection, valuable | properties$$$ |
Named perils means that only claims explicitly listed in the policy are covered (fire, theft, vandalism, storm, etc.). All perils means that everything is covered, except for the explicit exclusions. The extended formula 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 the outbuildings (garage, shed, swimming pool). The cost of rebuilding is the main factor that determines your premium. Make sure your coverage amount reflects the current cost of rebuilding, not the market value.
Condo (co-ownership)
As a co-owner, the syndicate of co-ownership ensures the common areas and the structure of the building. Your personal insurance covers your improvements (floors, cabinets, countertops), your contents and your civil liability. Check the syndicate’s policy for the common deductible — you may be required to pay your co-payment in the event of a loss. Learn more about condo insurance.
Housing (tenant)
As a tenant, you do not need to insure the building (this is the landlord’s responsibility). Your insurance covers your personal content and your civil liability. 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 housing (2026)
| Type | Average | annual priceMonthly | priceWhat’s Covered |
|---|---|---|---|
| Single-family | home$1,200 – $ | 2,500$100 – $ | 210Building + content + civil liability |
| Condo | $400 – $ | 900$35 – $ | 75Improvements + content + liability |
| Housing (tenant) | $300 – $ | 700$25 – $ | 60Content + Liability |
| Cottage / second | home$800 – $ | 2,000$67 – $ | 167Building + content (special 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 coverage that is added to your base policy. Some are essential depending on your situation.
Water Damage Endorsement (Sewer Backup)
The most common disaster in Quebec. Your basic policy does not cover sewer backup or groundwater 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 the Outaouais region. 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 needed to purchase an equivalent new replacement. The difference can be several thousand dollars.
Identity Theft Endorsement
Covers costs related to identity theft: legal fees, loss of income, credit restoration costs. With the rise of cybercrime, this amendment is becoming more and more relevant.
Home Office Endorsement
If you’re working remotely with expensive business equipment or have clients over at your home, this endorsement extends your coverage to cover your equipment and professional liability.
What Home Insurance Does NOT Cover
Knowing the exclusions will help you avoid unpleasant surprises when making a claim. Here are the most common exclusions in Quebec:
- Flooding by overflowing watercourses — specific endorsement required
- Sewer backup — specific endorsement required
- Earthquakes — specific rider required
- Ground movements (landslides, subsidence)
- Normal wear and tear and neglected maintenance (dilapidated roof, chronic mold)
- Environmental contamination (pyrite, radon, asbestos)
- Wars, terrorist acts, riots
- Intentional damage
For some exclusions, endorsements are available. Talk to your broker to identify additional protections that are relevant to your situation.
What to do in the event of a disaster at your home
A disaster is stressful. Follow these steps to protect your rights and make your claim easier.
- Ensure security: Evacuate if necessary. Call 911 in the event of a fire, collapse or immediate danger.
- Limit the damage: 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 the damage.
- Document everything: Take photos and videos of the damage before touching anything. Write down the date, time and circumstances of the loss.
- Contact your insurer: Report the claim within 24 hours. Your insurer will assign you a claims adjuster.
- Don’t throw anything away: Keep all damaged property until the expert’s visit. They serve as evidence for your claim.
- Keep your receipts: If you need to stay temporarily or buy essential goods, keep all receipts — these costs are usually covered by your policy.
Are you well protected? Check in 2 minutes.
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Compare prices now →What affects the price of your home insurance?
Your property
- Type of dwelling: Detached, semi-detached, condo, residential — each type has a different risk profile.
- Age of the building: Older houses cost more to insure (plumbing, electricity, roofing).
- Reconstruction value: The higher the cost of rebuilding, the higher the premium.
- Type of heating: Wood or oil heating costs more to ensure 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 rating factor.
- Place of residence: Urban areas, flood zones 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 comparator.
- Bundle your insurance: Combine car and home for a 5 to 15% discount.
- Increase your deductible: Going from $500 to $1,000 can reduce your premium by 15-25%.
- Install an alarm system: A ULC-certified system with monitoring can reduce your premium by up to 15%.
- Upgrade your property: New roof, modern plumbing, up-to-date electrical panel — every upgrade reduces risk.
- Maintain a good record: No claims for 5+ years qualifies you for the best rates.
- Claim all discounts: Retired, non-smoking, new home, annual payment, alarm — every discount counts.
Why choose an Assur360 broker over a direct insurer?
Quebec homeowners save an average of $400 per year by using a broker rather than a direct insurer such as Intact, Desjardins or TD Insurance. Here’s why.
Our brokers compare offers from Intact, Desjardins, TD, La Capitale, Belair, Promutuel, L’Unique and other Quebec insurers for your home insurance.
Your protection supervised by the Quebec authorities
In Quebec, home insurance is a strictly regulated sector to protect consumers:
- Autorité des marchés financiers (AMF) — Supervises the entire insurance sector in Québec. All insurers and brokers must be validly licensed.
- Chambre de l’assurance de dommages (ChAD) — Oversees damage insurance brokers and agents. Check your broker’s certifications on their public registry.
- Éducaloi — Free legal resource to help you understand your home insurance rights in Quebec.
- Insurance Bureau of Canada (IBC) —Statistics and resources on residential claims in Canada.
Assur360’s broker partners are all certified by the AMF and members of the ChAD.
Why choose Assur360 for your home insurance?
Certified brokers
Licence from the Autorité des marchés financiers
ChAD Members
Damage Insurance Division
Submissions
More than 100,000 submissions 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 this in the lease. In fact, not being insured exposes you to major financial losses in the event of a claim.
How much does home insurance cost in Quebec in 2026?
The average cost varies depending on the type: single-family home between $1,200 and $2,500 per year, condo between $400 and $900, renter’s housing between $300 and $700. The price depends on where you live, the value of the building, your claims history and the coverage you choose.
What does home insurance cover?
There are three components: the building (structure, roof, foundations), the contents (furniture, appliances, personal effects) and civil liability (damage caused to others). Depending on the formula chosen (basic, extended or all-risk), the coverage varies. Endorsements allow you to add specific protections.
What is the difference between basic, extended and all-risk plans?
Basic = only the listed claims are covered. Scope = all-risk building, named hazard content. All risks = building AND contents all risks, unless explicitly excluded. The extended formula is the most popular in Quebec.
What to do in the event of a claim?
1) Ensure safety and call 911 if necessary; 2) Limit the damage; 3) Document with photos and videos; 4) Contact your insurer within 24 hours; 5) Do not throw anything away before the expert’s visit; 6) Keep all your temporary expense receipts.
How can I reduce the cost of my home insurance?
Compare 3+ insurers, bundle car and home (5-15% discount), increase the deductible, install a ULC-certified alarm system, improve the roof and plumbing, maintain a good claim-free record, apply for all discounts (retired, non-smoker, annual payment).
Does insurance cover water damage?
It depends. Sewer backup and underground seepage are NOT covered under the basic policy — an endorsement is required. Internal pipe breaks are usually covered. Flooding by overflowing watercourses also requires a separate endorsement.
What is the difference between a broker and an agent?
A broker is independent and compares several insurers. An agent represents a single company. Both are supervised by the AMF and the ChAD. The broker is free of charge — his 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. Highly recommended.
Does insurance cover earthquakes?
No, not by default. A specific amendment is required. Quebec is in an active seismic zone (St. Lawrence Valley, Charlevoix, Outaouais). This endorsement is recommended in these regions.
Does my insurance cover teleworking?
A basic home office is usually covered. If you receive clients or have expensive business equipment, a home office endorsement is necessary. Always inform your insurer of your teleworking situation.
How do I assess the value of my belongings?
Take an inventory room by room: furniture, electronics, clothing, jewelry, appliances. Photograph each property and keep the invoices. Most people underestimate by 30 to 50 percent. 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, history of claims, deductible chosen, security system and type of heating.
Can I change insurer during the course of my contract?
Yes, you can cancel at any time with written notice. Short-term cancellation fees may apply. Ideally, you should change on the renewal date to avoid these fees.
How long does an online quote take?
With Assur360, it only takes 2 minutes to compare 9 insurers. You’ll need your address, year of construction, type of heating, and approximate value of your belongings. Free and without obligation.
Which 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 coverage offered.
Protect your home at the best price
Our AMF-certified brokers 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 loss.
Should I buy or rent my home?
Calculator that compares the real cost of buying vs. renting over 1 to 30 years, with investments and selling costs.