IN BRIEF
Housing insurance (tenant)
Housing insurance (tenant) is essential even if not mandatory in Quebec. It protects your furniture, electronics, clothes + your RC in the event of damage to the neighbor’s home.
Cost: typically $180-450/year for standard coverage $30,000 property + $1-2M RC. Many landlords REQUIRE this in the lease — check your clause.
Home insurance in Quebec
Protect your belongings at the best price. Compare the offers of several insurers with AMF-certified brokers, 100% independent.
Your home deserves tailor-made protection
Home insurance protects your personal belongings, liability and living expenses in the event of a loss. Whether you’re renting an apartment in Montreal, co-owning a condo in Quebec City, or rooming in Sherbrooke, the right coverage can help you avoid major financial losses.
At Assur360, you have the best of both worlds: start your quote online and be advised by an experienced broker.
How it works
Fill out the form
Describe your home and belongings in minutes
Automatic comparison
We compare offers from several insurers for you
Advice from a broker
An AMF-certified broker contacts you with the best options
Save money
Choose the ideal cover at the best price
What is home insurance in Quebec?
Home insurance is a damage insurance contract that covers your personal property (furniture, clothing, appliances, electronics), civil liability and additional living expenses if you have to temporarily leave your home after a disaster.
Contrary to what many people think, the building owner’s insurance does not protect your personal belongings. The lease of a rental unit covers the structure of the building, but it is up to you to protect what belongs to you. Depending on the industry, 30-50% of renters underestimate the total value of their belongings — a full inventory often reveals an amount between $25,000 and $75,000.
In Quebec, home insurance is governed by the Insurance Act (R.S.Q., c. A-32) and supervised by the AMF. To learn more about the differences between the types of home coverage, visit our home insurance page.
Essential guarantees of home insurance
A good home insurance policy includes several types of coverage. Here are the guarantees that our brokers systematically recommend to their Quebec clients.
Third Party Liability — $2,000,000
Protects you if you accidentally cause damage to others or the owner’s property. Water damage in your home that affects the neighbor downstairs? Your RC covers the costs. A minimum of $2 million is recommended in Quebec.
Water damage
Water-related claims are the number one cause of claims in Quebec. The water damage endorsement protects against sewer backup, roof infiltration and broken pipes. Check to see if your policy includes surface water coverage.
Theft and vandalism
Your insurance covers the replacement of your stolen or damaged belongings during a burglary, whether at home or outside (bike, laptop, etc.). Keep your invoices and photos to make your claims easier.
Replacement cost
With the replacement cost endorsement, your insurer replaces your damaged property with comparable new items, without depreciation. Without this endorsement, your 3-year-old TV will be reimbursed at its depreciated value — a fraction of the replacement cost.
Loss of use and living expenses
If your home becomes uninhabitable after a covered loss (fire, major water damage), your insurer will reimburse the costs of temporary accommodation, meals and travel. This guarantee can represent up to 20% of the amount of coverage for your property.
Equipment breakdown
Protects your electronics and appliances from electrical surges, short circuits, and accidental mechanical breakdowns. Especially useful if you have a work computer, game console, or valuable connected devices.
Types of housing covered
Home insurance is suitable for all types of housing in Quebec. Whatever your situation, a broker can find you tailored protection.
Apartment
Classic rental accommodation in an apartment building. The most common coverage in Quebec.
Condo
Divided co-ownership. Your policy complements the syndicate’s policy for your improvements and property.
Townhouse
Townhouse with party walls. Tenant or homeowner coverage depending on your situation.
Plex (duplex, triplex)
Income properties with 2 to 5 units. Tenants must insure themselves individually.
Basement / semi-basement
Basement housing more exposed to water damage. The flood endorsement is strongly recommended.
Flatshare
Each roommate benefits from having their own policy. A single policy does not automatically cover all occupants.
Student residence
Students away from home need their own coverage. Low-cost policies exist for this clientele.
Furnished room
Renting a room in a residence. Civil liability is essential to cover potential damage to the homeowner.
How much does home insurance cost in Quebec?
The cost of home insurance varies depending on the city, the value of your belongings and the coverage chosen. Here are the monthly price ranges observed in Quebec in 2026 for a tenant with no claim history.
| City | $15,000 property | $25,000 property | $35,000 property | $50,000 property |
|---|---|---|---|---|
| Montreal | $15 – $22 | $19 – $27 | $23 – $32 | $28 – $38 |
| Quebec | $12 – $18 | $16 – $23 | $20 – $28 | $24 – $33 |
| Laval | $14 – $20 | $18 – $25 | $22 – $30 | $26 – $35 |
| Sherbrooke | $11 – $17 | $15 – $22 | $19 – $27 | $23 – $32 |
| Gatineau | $13 – $19 | $17 – $24 | $21 – $29 | $25 – $34 |
| Saguenay | $10 – $16 | $14 – $21 | $18 – $26 | $22 – $31 |
| Trois-Rivières | $11 – $16 | $14 – $21 | $18 – $26 | $22 – $30 |
* Indicative rates for a tenant with a $2 million RC, $500 deductible and no claim history. Prices vary depending on the insurer, the floor, the age of the building and the optional coverage. Get your personalized quote for an exact price.
Factors that influence the price of your home insurance
There are several factors that determine the premium you will pay. Understanding these factors helps you negotiate better and get the best price possible.
- Value of the insured property — The higher the amount of coverage, the higher the premium. Make a realistic inventory.
- Geographic location — Large cities like Montreal have higher premiums due to crime rates and density.
- Floor of the dwelling — A ground floor or basement is more expensive to insure due to the increased risk of water damage and theft.
- Age and condition of the building — Older buildings with outdated plumbing or electrical conditions are at increased risk.
- Claims history — Previous claims in the last 5 years can increase your premium.
- Deductible amount — A higher deductible ($1,000 instead of $500) reduces your monthly premium.
- Security systems — Alarms, reinforced locks and connected smoke detectors can be eligible for discounts.
- Proximity to a fire station — Being located less than 8 km from a fire station can have a positive impact on your rate.
Tips for saving on your home insurance
There are several concrete strategies to reduce your premium without sacrificing your coverage. Our brokers recommend these proven approaches.
Install an alarm system
A certified alarm system connected to a central station can save you 5% to 15% on your annual premium. Mention this to your broker.
Increase your deductible
Going from a $500 deductible to $1,000 can reduce your premium by 10% to 20%. Make sure you have this amount in reserve in case of a claim.
Smoke and water detectors
Functional smoke detectors and a water leak detector reduce the risk of a major disaster. Some insurers offer discounts for this equipment.
Preventive measures
Maintain the plumbing, turn off the water before the holidays and clear the snow from the accesses. A good prevention record inspires confidence in insurers.
Discounts 55 years and over
Several Quebec insurers offer discounts to policyholders aged 55 and over, recognizing their favourable risk profile and residential stability.
Group your fonts
Combining your home insurance with your car insurance with the same insurer can generate a multi-policy discount of 5% to 15% on each premium.
Tenant, owner or co-owner: what coverage?
The type of coverage you need depends directly on your occupancy status. Here are the main differences.
Tenant
Your policy covers your personal property, liability and living expenses. The building is insured by the owner. This is the most affordable coverage, often starting at $9 to $15 per month for basic protection.
Owner-occupier
You must insure both the building (structure, roof, foundation) and your personal belongings. The premium is higher, but the coverage is comprehensive. See our home insurance page for more details.
Co-owner (condo)
Your policy complements the syndicate of co-ownership’s insurance. It covers your leasehold improvements (countertops, floors), your belongings and your share of the syndicate’s deductible. See our condo insurance page.
July 1 is National Moving Day in Quebec. Every year, hundreds of thousands of households change homes. This is also the time when the risk of loss increases considerably — broken objects, water damage related to the connection of appliances, theft during transport.
Here’s what you need to do to protect your assets during this transition:
• Notify your insurer at least 30 days before the move to transfer your coverage to the new address
• Check coverage during transit — your belongings are usually protected between the two addresses on moving day
• Update the value of your belongings if you have acquired furniture or appliances since your last appraisal
• Photograph your belongings before packing as proof in case of a claim
• Never go without coverage — even a day without insurance can be catastrophic in the event of fire or theft
What home insurance doesn’t cover
No insurance policy covers absolutely everything. Here are the common exclusions to be aware of to avoid unpleasant surprises during a claim.
| Exclusion | Details | Possible solution |
|---|---|---|
| Earthquake | Basic Excluded on all residential policies in Quebec | Earthquake Rider available with select insurers |
| Spring | flooding and overflowing of watercourses are not covered | Governmentfinancial assistance program |
| Normal wear and tear | Gradual deterioration, mold due to lack of maintenance | Regular preventive maintenance |
| Intentional damage | Damage that you intentionally cause to your own home | None — absolute exclusion |
| vehicles | Auto, motorcycle, ATV parked in the dwelling are not covered | Separate car or recreational vehicle insurance policy |
| Some | unusual pets may be excluded from the RC | Check with your broker depending on the breed or species |
For homes in special situations (loss history, old building, flood zone), see our page on substandard home insurance.
Your home insurance rights in Quebec
In Quebec, the insurance industry is rigorously regulated to protect consumers. Here are your main rights:
The Autorité des marchés financiers (AMF) supervises all insurers and brokers operating in Québec. Each broker must hold a valid licence and comply with the Code of Ethics of Damage Insurance Representatives. The Chambre de l’assurance de dommages (ChAD) ensures the continuing education and ethics of professionals.
In the event of a dispute with your insurer, you have free recourse: the AMF Information Centre (1-877-525-0337), the complaint process with the insurer, and mediation or arbitration. You also have the right to cancel your contract at any time upon written notice, and the insurer must refund you the unused portion of your premium.
How do I make a complaint?
Follow these steps to maximize your chances of getting a quick and fair settlement.
- Stay safe — In the event of a fire or major disaster, leave the area and contact emergency services (911) before taking any further action.
- Contact your insurer quickly — Call your broker or your insurer’s claim line within 24 hours of the loss. Most offer 24/7 service.
- Document the damage — Take photos and videos of the damage before cleaning up or throwing anything away. Keep damaged items for the adjuster.
- Protect your property — Take reasonable steps to limit further damage (tarp on the roof, water closure). These emergency costs are usually reimbursed.
- Work with the adjuster — A claims adjuster will assess the damage and determine the amount of the settlement. You have the right to hire your own public expert if you are not satisfied with the assessment.
Why use a home insurance comparator?
Prices vary considerably from one insurer to another for equivalent coverage. An insurance broker acts in your best interest, not the insurer’s. By using Assur360, you can access rates from several companies such as Intact, Aviva, L’Unique, Economical and Promutuel — all with a single form. Our brokers are certified by the AMF and members of the ChAD.
The advantage of a comparison tool is simple: you save time, you get quotes tailored to your profile and you can easily identify the best offer without spending hours on the phone with each insurer individually.
Why trust Assur360?
- Brokers certified by the Autorité des marchés financiers (AMF)
- Members of the Chambre de l’assurance de dommages (ChAD)
- 100% independent — we work for you, not for an insurer
- Access to the rates of several major insurers in Quebec
- Free, non-binding and confidential service
- More than 100,000 submissions compared
Home insurance throughout Quebec
Our brokers serve tenants and roomers in all regions of Quebec, including Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Saguenay, Trois-Rivières and Longueuil. Whether you live in the city centre or in the region, we find the best home insurance adapted to your situation and your budget.
Frequently asked questions — Home insurance
Is home insurance mandatory in Quebec?
No, home insurance is not legally mandatory in Quebec. However, more and more landlords are requiring it in the lease. Even without contractual obligations, it is highly recommended: a fire or major water damage can result in losses of tens of thousands of dollars. Liability alone justifies the cost of a policy, often starting at as little as $9 per month.
How much does home insurance cost per month?
Home insurance costs between $9 and $35 per month in Quebec, depending on the city, the value of the insured property, the coverage chosen and your profile. A tenant in Saguenay with $15,000 in property will pay around $10 to $16 per month, while a tenant in Montreal with $50,000 in property will pay $28 to $38 per month. Get your personalized quote for an exact price.
What is the difference between home insurance and home insurance?
Home insurance generally refers to coverage for a tenant (personal property and liability), while home insurance is a broader term that also includes building coverage for homeowners. A tenant needs home insurance; A homeowner needs comprehensive home insurance that covers the structure in addition to their personal belongings.
Is water damage covered by home insurance?
Water damage caused by a burst pipe or sewer backup is usually covered if you have the appropriate endorsement. However, flooding caused by overflowing watercourses or spring flooding is typically excluded. Check with your broker to make sure your policy includes coverage for overland water and sewer backup — these endorsements are essential in Quebec.
What should I do with my home insurance when I move on 1 July?
Contact your insurer at least 30 days before your move to transfer your coverage to the new address. Your belongings are usually protected during transport on moving day. Never cancel your policy until you have a new one in force — even a day without coverage can be catastrophic.
How does shared housing insurance work?
In a shared apartment, each roommate should ideally have their own home insurance policy. A single policy in the name of a roommate does not automatically protect the belongings of other occupants. Some insurers offer joint policies for roommates, but the recommended practice is to have individual policies to avoid complications when making a claim.
Can my landlord require housing insurance in the lease?
Yes, a landlord can include a clause in the lease requiring the tenant to have liability insurance. This practice is becoming more and more common in Quebec and is perfectly legal. Even if your lease does not require it, $2,000,000 home insurance with liability insurance is highly recommended.
How to compare home insurance in Quebec?
The best way to compare is to go through an AMF-certified insurance broker who has access to several insurers. With Assur360, you can receive multiple personalized quotes on a single form. Compare premiums, but also the deductibles, exclusions, coverage limits and endorsements included.
Does home insurance cover the theft of my bike or objects left outside?
Yes, most policies cover theft of property outside the unit, including a bike locked on the balcony or in the parking lot. However, limits often apply —for example, a maximum of $1,000 to $2,000 for outdoor property. Keep the purchase invoice and a photo of your bike.
Does my home insurance protect me in the event of a fire?
Yes, fire is one of the basic risks covered by any home insurance policy in Quebec. Your insurer will reimburse the value of your destroyed belongings (new if you have the replacement cost endorsement) and cover your temporary living expenses if the unit becomes uninhabitable. Make sure you have working smoke alarms — it’s required by law.
Protect your home at the best price
Our AMF-certified brokers compare several insurers to find you the best home coverage. Comprehensive protection starting at $9/month.