Assur360, an AMF-certified firm, offers umbrella insurance combined with your home for enhanced protection. Our brokers from our partner firms compare 9+ Quebec insurers to obtain the best excess coverage ($1 to $10 million). Free quote in 3 minutes.
ENHANCED PROTECTION
Umbrella + home: the winning duo
Excess liability up to $10 million combined with your home policy. Multi-policy discounts available.
Get my quote (3 min)Why add umbrella insurance to your home?
A standard home policy typically offers $1 million to $2 million in liability. This may seem like a lot, but a judgment for serious bodily injury (swimming pool accident, fall with sequelae, dog bite) can easily exceed these amounts. The umbrella comes in where your base fonts stop.
Excess Protection
Activated when your home/car limits are reached. Up to $10 million additional depending on the contract.
Preservation of your asset
Home, RRSP, TFSA, investments, real estate investments: the umbrella protects your entire wealth.
Legal defence costs
Covers attorneys’ fees even for unfounded lawsuits. Can reach tens of thousands of dollars.
When is umbrella insurance really useful?
The umbrella is not necessary for everyone, but becomes essential in several common situations in Quebec:
🏊 Pool or spa owner
High risk of accidents. A drowning or slip can cost $3-5 million in damages. Some insurers require the umbrella.
🐕 Large breed or active dog
Bites to children/adults = frequent chases. Some breeds (pit bull, rottweiler) have their standard CR limited.
🏘️ Several rental properties
Each building multiplies the risk. The umbrella unifies protection across all your assets.
💼 Professional or high income
Doctors, lawyers, contractors: significant assets = targets for lawsuits. Minimum umbrella $2-5 million recommended.
🏂 Active recreational activities
ATV, snowmobile, boat, motorcycle: umbrella covers the excess in liability beyond the specific policies.
👶 Family with teenagers
Increased parental responsibility. An accident caused by your teenager can incur your full civil liability.
Real-world examples of excess claims
Swimming pool accident ($3.2 million)
A guest is injured while diving into your pool. Home RC $2 million reached — umbrella pays the remaining $1.2 million.
Serious dog bite ($1.8 million)
Your dog injures a child who requires surgery. RC $1 million insufficient — umbrella covers an additional $800,000.
ATV accident ($5 million)
Collision causing serious injury to another driver. ATV RC $2 million saturated — umbrella covers the excess $3 million.
Fall on a sidewalk not plowed ($900,000)
Passer-by breaks his hip and continues. Home RC $1 million reached — umbrella covers excess legal fees and settlements.
Best value for money in insurance
The umbrella is often referred to as “the best insurance you ever hope to use”. For $200-400/year, you get $1 to $5 million in additional coverage — that’s about $0.01 per $1000 insured. No other policy offers such leverage.
2026 Umbrella Insurance Rates in Quebec
| Umbrella Limit | Standard Profile | High Risk Profile* | Combined Discount |
|---|---|---|---|
| $1M$ | 175 – $225 | $250 – $350Up | to 10% |
| $2M$ | 225 – $295 | $325 – $425Up | to 12% |
| $3M$ | 275 – $375 | $400 – $525Up | to 12% |
| $5M$ | 375 – $475 | $550 – $725Up | to 15% |
| $10M$ | 495 – $650 | $750 – $975Up | to 15% |
*High risk = pool/spa, large breed dogs, ATV/boat, multiple buildings. Exact price in 3 minutes.
TAILOR-MADE PROTECTION
Protect your wealth today
Assur360 structures your umbrella with your home for a combined discount.
Get My Quote Call 1-866-357-4451Attention: minimum coverage requirements
To obtain an umbrella, insurers require minimum limits on your basic policies: $1 million in home liability and $2 million in auto liability. If your current policies are lower, you will need to upgrade them (additional cost of $30-80/year).
Service anywhere in Quebec — umbrella + home
Assur360 serves the entire province: Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Thetford Mines. We find the best umbrella + home combinations from recognized Canadian insurers and tailor the protection to your wealth, lifestyle and risk tolerance.
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Why trust Assur360?
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Combine umbrella + home now
Assur360 quote in 3 minutes. Multi-policy discount of up to 15%.
Get My Quote Call 1-866-357-4451