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Tenant Housing Insurance Quebec 2026: 3-minute quote

Assur360, an AMF-certified firm, offers Quebec tenants comprehensive home insurance starting at $15/month. Our independent brokers compare 9+ insurers to find the best protection: personal property, liability and living expenses. Online quote in 3 minutes.

TENANT INSURANCE

Home insurance starting at $15/month

Protect your assets and avoid lawsuits: $2 million RC, property + living expenses. Submission 3 minutes.

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$15/month
From
$2M
Civil liability
3 min
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Insurers Compared

Why does every Quebec tenant need to be insured?

Since 2024, the majority of Quebec landlords have contractually required proof of tenant insurance before signing the lease. Even without an obligation, not being insured exposes you to enormous financial risks : lawsuits of $10,000 to $500,000+ in the event of water damage, fire or injury caused to a third party in your home.

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Personal property

Furniture, appliances, computers, clothing, jewellery, bicycles: covered against theft, fire, water damage, anywhere in Canada.

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Civil liability

$1 to $2 million in RCA. Protects if you cause water damage to a neighbour, a fire or injury to a guest.

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Living expenses

If your home becomes uninhabitable (fire, flood), we pay for your hotel, restaurants and additional costs during the repairs.

The 3 essential protections of your tenant policy

All tenant housing insurance is based on these three fundamental pillars, adapted to the Quebec legal framework (art. 1862-1863 Civil Code of Québec and Bill 25 respecting the protection of personal information):

🛋️ Personal property — replacement cost

Furniture, electronics, clothing, jewellery, bicycles, instruments: reimbursement at replacement cost according to the limit chosen ($20,000-100,000+).

💧 Water Damage — Neighbor Below

Scenario #1 of sinister tenants: forgotten faucet, overflowing dishwasher, defective washer. RC $2 million covers everything.

🔥 Fire — extended liability

Even if you are not at fault, a fire starting in your home will be held liable. Civil liability + subrogation of the owner = absolute need for insurance.

🐕 Liability for animals

Dog bites, cat scratching a guest: covered by your CR. Some breeds or backgrounds may require an additional premium.

💻 Bill 25 — theft of personal data

Since 2024, some policies cover the costs associated with data theft (credit card, identity theft). To be validated in the contract.

🏃 Assets outside the dwelling

Phone stolen from the restaurant, bike stolen from the park, bag stolen from the car: cutlery if declared in the contract.

How to get your tenant insurance in 4 steps

1

Estimate the value of your assets

Go through each room and add up: furniture, appliances, clothes, electronics, bike. A standard 41/2 = $20,000-40,000.

2

Fill out the online form

Our 3-minute form collects your contact details, address of the accommodation, type of protection you want and liability limit.

3

Comparison 9+ insurers

Our AMF brokers analyze the 30+ partner companies and identify the 2-4 best offers for your profile.

4

Signature and immediate attestation

Secure payment by card or direct debit. Certificate sent by email in minutes — present to your landlord.

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Take a video inventory

Before subscribing, film each room in your home by opening the drawers and cupboards. Keep the video on the cloud (Google Drive, iCloud). In the event of a claim, this proof drastically speeds up the processing of your claim and avoids costly oversights.

2026 rates for tenant housing insurance in Quebec

$$$
Type of dwellingProperty (replacement value)RCMonthly premium
Studio / 21/2$15,0001M$14 – $19
31/2$20,0001M$17 – $22
41/2$30,000$2million$22 – $29
51/2$40,0002M$27 – $35
61/2 or duplex rented$50,000$2 million$32 – $42
Loft / large condo rented$60,000+$2 million$38 – $50

*Indicative rates Montreal/Quebec City 2026. Exact price according to your profile in 3 minutes.

IMMEDIATE PROTECTION

Does your lease require proof of insurance?

Get your certificate in less than 24 hours. Monthly payment, with no hidden fees.

Get My Quote Call 1-866-357-4451
⚠️

Risks without tenant insurance

Without a tenant policy, you are 100% responsible for damage caused to others: water damage to the neighbour downstairs ($10,000-30,000), fire from your home (subrogation lawsuit against the landlord up to $500,000+), injury to a guest. A premium of $22/month is infinitely better than a lawsuit.

Service anywhere in Quebec — tenant insurance

Assur360 serves tenants throughout Quebec: Montreal (Plateau, Villeray, Rosemont, Ville-Marie), Quebec City (Saint-Roch, Limoilou, Sainte-Foy), Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Thetford Mines. Our brokers are familiar with the specific requirements of large Quebec property owners (Urban Investments, SHQ, housing cooperatives).

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Frequently asked questions — tenant housing insurance

Is home insurance mandatory for tenants in Quebec?

Legally no, but very strongly recommended. Since 2024, the majority of landlords have contractually required this in the Régie du logement lease. Without insurance, you are 100% responsible for the damage caused (water damage to the neighbour downstairs, fire, etc.) — possible lawsuit of $10,000 to $500,000+.

How much does tenant housing insurance cost in Quebec?

In 2026, rates range from $15 to $35/month ($180 – $420/year) depending on the value of your property, the region, your claims history and the liability limit you choose ($1 to $2 million). A standard furnished 41/2 in Montreal costs an average of $22/month.

What exactly does tenant insurance cover?

Three main types of protection: 1) Your personal belongings (furniture, electronics, clothing) against theft, fire, water damage. 2) Civil liability ($1-2 million): damage caused to others. 3) Additional living expenses : if your accommodation becomes uninhabitable, we pay for your hotel and meals.

My landlord has insurance — am I covered?

No. Homeowner’s insurance covers the building (structure, roof, foundation), not your belongings or liability. If you cause a fire, their insurer will sue you in subrogation to recover the costs (up to $500,000+).

What happens if I cause water damage to the neighbour downstairs?

Without tenant insurance, you pay out of pocket. An average water damage costs $10,000-30,000 (floor, ceiling, appliances, neighbour’s furniture). With a tenant policy, your liability ($1-2 million) covers the entirety + legal fees.

Do I need to take inventory to subscribe?

Yes, it is strongly recommended. Estimate the replacement cost of all your belongings (furniture, electronics, clothing, bicycles, jewellery). A standard 41/2 holds about $20,000 – $40,000 worth of goods. Think of valuables (computer, jewelry, cameras) that may require a special limit.

Does tenant insurance cover bike or phone theft outside?

Yes. Personal property coverage follows the tenant across Canada (and often internationally during travel). Bike stolen from the park, phone lost in a restaurant, purse stolen from the car: covered according to deductible (usually $500).

How to get a home insurance quote quickly?

Fill out our online tenant form (3 minutes) or call us at 1-866-357-4451. Our AMF brokers compare 9+ insurers and offer you the best policy on the same day. Attestation by email in less than 24 hours.

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Why trust Assur360?

✓AMF certified firm
✓ChAD Member
✓100,000+ submissions processed
✓9+ insurers compared
✓100% independent brokers
✓Service anywhere in Quebec

FREE QUOTE

Get your home insurance in 3 minutes

Free Assur360 quote. Attestation by email in less than 24 hours.

Request my tenant quoteCall 1-866-357-4451
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