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How is the cost of home insurance calculated?
The price of your home insurance is based on several criteria.
Companies assess the replacement value of your home and belongings, as well as the risk of a claim.
For example, a homeowner with no claim history, living in a newer home near a fire station, will often pay less.
Each insurer analyzes the risk differently, which explains the price differences. To save money, it is essential to compare. Get multiple quotes in minutes and find the best deal for your home insurance.
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Assur360 allows you to get a quick and easy quote for your home insurance. Whether you are a homeowner or a tenant, we cover all your needs:
Home : Protect your main residence with the right coverage.
Housing : Insure your apartment as a tenant or owner.
Condo : Find a customized protection for your condominium.
Chalet : Enjoy your second home in complete peace of mind.
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Home insurance adapted to your needs
Your home insurance covers your home, its contents and your civil liability. But for optimal protection, you can add additional guarantees when you quote.
Among the most popular options, the water damage coverage over the foundation provides essential coverage. It protects against water infiltration caused by rain, snow or sewer backups.
Adapt your insurance to your reality and avoid unpleasant surprises. Get a quote now and make sure you’re fully covered!
Home insurance guarantees
To protect your home, it is important to take out appropriate insurance with sufficient guarantees. But it is also advisable to adopt a few precautionary measures that limit the damage in the event of a claim while making significant savings in terms of premiums. In this regard, having a portable fire extinguisher to be placed next to the exit door is very important. As well as smoke alarms that prevent carbon monoxide poisoning.
- Competitive prices : Compare and save on your home insurance.
- Personalized service : Always speak with the same broker on every call.
- Quick quote : Get a quote in minutes.
- Tailored coverage : Insure your home, condo, unit or cottage hassle-free.
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On the other hand, having a safe fryer helps prevent many fire-related hazards. Such an appliance is highly recommended to replace frying in pots. These precautions and preventive measures ensure the safety of your home and the people living there, while significantly reducing the insurance premium.
Insurance for your belongings, optimal coverage for your home and contents
Such protection covers the home as well as its outbuildings and the possessions it contains. It is active in claims relating to fire, theft, vandalism and water damage.
- Your home : Protect your home, condo, cottage or unit.
- Your outbuildings : Garage, shed and other ancillary structures included.
- Your belongings : Insure your furniture, electronics and personal belongings.
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With Assur360, you can enjoy personalized service : you always speak with the same broker, every time you call. Simpler, more efficient, more advantageous!
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simple
How does home insurance work?
Home insurance offers you essential financial protection in the event of the unexpected. In exchange for an annual premium, usually divided into 12 payments, you get comprehensive coverage tailored to your needs.
On the one hand, it covers repairs to your home in the event of damage caused by an insured loss. It also takes care of the replacement or repair of your damaged, lost or stolen goods. On the other hand, it protects you from legal fees if someone gets hurt on your property and decides to sue you.
Don’t take any chances! Compare offers and find the right home insurance for you at the best price. Get a quote today!
Here is an indicative table of the types of home insurance in Quebec with a price index ($1 to $5).
Assumptions: clean file, standard coverage, $1,000 deductible, building in good condition. The index compares the types with each other (not an absolute price).
IN BRIEF
Home quote: 9 insurers compared
Our home quote service compares 9 insurers with the same coverage to identify the best price on your exact profile. Free service, without obligation.
Broker advantage: in the event of a claim, your broker represents you vis-à-vis the insurer. It is he who negotiates the compensation, not the insurer’s salaried agent whose interest is to minimize the settlement.
Caption : $ = very affordable · $$ = affordable · $$$ = average · $$$$ = high · $$$$$ = very high
| Type of housing | For whom / context | Typical Coverage | Factors that affect the premium | Index |
|---|---|---|---|---|
| Tenant (apartment) | Tenants in buildings/plexes | Contents, RC $2 million, water damage (extended recommended) | Value of contents, floor, building history | $ |
| Condo (divided copro) | Condo co-owners | Contents, Upgrades, $2M RC, Common Loss, Expanded Water Damage | Syndicate deductible, building year/height, sprinklers | $–$$ |
| Single-family home | Owner-occupier | Building, Outbuildings, Contents, RC, Water (Options), Flight, Wind/Hail | Replacement cost, roofing/plumbing/electricity, remote barracks | $$–$$$ |
| Semi-detached / townhouse | Semi-detached unit | Same as single-family + adjoining risks | Quality of fire walls, neighbours, disaster history | $$–$$$ |
| Plex (2–5 units) owner-occupied | Occupant + tenants | Building, RC, loss of rent, extensive water | Number of dwellings, building age, tenant claims | $$$ |
| Cottage / second home | Seasonal occupancy | Building, Contents, Flight, Weather; often restrictions | Non-continuous occupancy, heating, access, supervision | $$–$$$$ |
| Rental property (pure investment) | Non-occupant owner | Building, loss of rent, RC, extensive water | Occupancy rate, type of tenants, management, age | $$$–$$$$ |
| Luxury / High Value Home | High value, high-end finishes | Agreed Value, Valuable Items, RC ↑, Extended Water | Insured amount, rare materials, security, location | $$$$–$$$$$ |
| Mobile / Modular Home | Residential parks or private land | Building, Contents, RC, Storm/Wind | Foundation/anchorage, weather exposure, region | $$ |
| Light Farmhouse / Mixed Use | Housing + small agricultural use | Dwelling + annexes (barn), limited agricultural RC | Animals, machinery, distance services, professional insurance | $$ |