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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.
Online quotes for your home insurance
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!
Les garanties en assurance habitation
Pour protéger son habitat, il est important de souscrire une assurance adaptée avec des garanties suffisantes. Mais il convient aussi d’adopter quelques gestes de précaution qui permettent de limiter les dégâts en cas de sinistre tout en réalisant des économies non négligeables au niveau de la prime. À ce propos, disposer d’un extincteur portatif à placer à côté de la porte de sortie est très important. De même que des avertisseurs de fumée qui permettent de prévenir l’empoisonnement au monoxyde de carbone.
- Prix compétitifs : Comparez et économisez sur votre assurance habitation.
- Service personnalisé : Parlez toujours avec le même courtier à chaque appel.
- Soumission rapide : Obtenez une offre en quelques minutes.
- Couverture adaptée : Assurez votre maison, condo, logement ou chalet sans tracas.
Comparez, économisez et protégez votre habitation dès aujourd’hui !
D’un autre côté, avoir une friteuse sécuritaire permet de prévenir de nombreux dangers liés au feu. Un tel appareil est hautement conseillé pour remplacer la friture dans des chaudrons. Ces précautions et gestes préventifs assurent la sécurité de son domicile et des personnes y résidant tout en réduisant significativement la prime d’assurance.
L’assurance de vos biens, une couverture optimale pour sa résidence et son contenu
Une telle protection couvre aussi bien le domicile que ses dépendances et les possessions qu’il contient. Elle s’active dans les sinistres relatifs à l’incendie, au vol, au vandalisme et les dégâts d’eau.
- Votre domicile : Protégez votre maison, condo, chalet ou logement.
- Vos dépendances : Garage, cabanon et autres structures annexes incluses.
- Vos biens : Assurez vos meubles, appareils électroniques et effets personnels.
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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 right 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 right 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 | $$ |