{"id":15610,"date":"2025-05-13T20:36:00","date_gmt":"2025-05-14T00:36:00","guid":{"rendered":"https:\/\/www.assur360.ca\/home-insurance-3-minute-quote\/"},"modified":"2026-09-02T12:18:05","modified_gmt":"2026-09-02T16:18:05","slug":"home-insurance-3-minute-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/","title":{"rendered":"Home insurance in Quebec: compare 9 insurers and save in 2026"},"content":{"rendered":"\n<!-- assur360-intro-rapide-2026-06 -->\n<div style=\"background:linear-gradient(135deg,#f0fdfa 0%,#e6fffa 100%);border-left:4px solid #10c4c7;border-radius:8px;padding:20px 24px;margin:24px 0;\">\n<p style=\"margin:0;font-size:16px;line-height:1.7;color:#0d1f2d;\"><strong style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;display:block;margin-bottom:8px;\">Quick response<\/strong> Home insurance in Quebec covers your home (fire, theft, water damage), personal belongings and civil liability. The 2026 indicative annual premiums vary between <strong>$450 and $1,800<\/strong> depending on the value of the property, the region, the claims history and the coverages chosen. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Compare for free<\/a>. <\/p>\n<\/div>\n\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-hab *{margin:0;padding:0;box-sizing:border-box}\n.a360-hab{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-hab h2,.a360-hab h3,.a360-hab h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-hab a{color:#10c4c7;text-decoration:none}\n.a360-hab a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-hab .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 40px;border-radius:20px;margin-bottom:48px;display:flex;align-items:center;gap:48px;overflow:hidden;position:relative}\n.a360-hab 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solid #e2e8f0;text-align:center}\n.a360-hab .stat-card .stat-num{font-size:36px;font-weight:800;color:#10c4c7;margin-bottom:8px}\n.a360-hab .stat-card .stat-label{font-size:15px;font-weight:700;color:#0d1f2d;margin-bottom:4px}\n.a360-hab .stat-card .stat-desc{font-size:13px;color:#64748b}\n\n\/* Mid CTA *\/\n.a360-hab .mid-cta{background:#f0fdfa;border:2px solid #10c4c7;border-radius:16px;padding:32px;text-align:center;margin:32px 0}\n.a360-hab .mid-cta h2{font-size:22px;margin-bottom:8px;display:block;border:none;padding:0}\n.a360-hab .mid-cta p{color:#334155;margin-bottom:24px}\n\n\/* Cities section *\/\n.a360-hab .cities-section{margin:48px 0}\n.a360-hab .cities-section h2{font-size:26px;font-weight:800;margin-bottom:20px;padding-bottom:12px;border-bottom:3px solid #10c4c7;display:inline-block}\n.a360-hab .cities-section h3{font-size:20px;font-weight:700;margin:28px 0 12px}\n.a360-hab .cities-section ul{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:8px}\n.a360-hab .cities-section li{padding:0}\n.a360-hab .cities-section a{display:block;padding:10px 16px;background:#f8fafc;border-radius:8px;border:1px solid #e2e8f0;color:#0d1f2d;font-size:14px;font-weight:600;transition:all .2s;text-decoration:none}\n.a360-hab .cities-section a:hover{border-color:#10c4c7;background:#f0fdfa;text-decoration:none}\n\n\/* FAQ *\/\n.a360-hab .faq{margin:48px 0}\n.a360-hab .faq h2{font-size:28px;font-weight:800;text-align:center;margin-bottom:32px}\n.a360-hab .faq details{background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;transition:all .3s}\n.a360-hab .faq details[open]{border-color:#10c4c7;box-shadow:0 4px 16px rgba(16,196,199,.08)}\n.a360-hab .faq summary{padding:20px 24px;font-family:'Sora',sans-serif;font-size:16px;font-weight:700;color:#0d1f2d;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}\n.a360-hab .faq summary::-webkit-details-marker{display:none}\n.a360-hab .faq summary::after{content:'+';font-size:22px;color:#10c4c7;font-weight:700;transition:transform .2s}\n.a360-hab .faq details[open] summary::after{content:'\\2212'}\n.a360-hab .faq details p{padding:0 24px 20px;font-size:15px;color:#475569;line-height:1.7}\n\n\/* Final CTA *\/\n.a360-hab .final-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 40px;border-radius:20px;display:flex;align-items:center;gap:40px;overflow:hidden;position:relative;margin-top:56px}\n.a360-hab .final-cta::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 15% 50%,rgba(16,196,199,.1) 0%,transparent 50%);pointer-events:none}\n.a360-hab .final-mascot{flex-shrink:0;z-index:1}\n.a360-hab .final-mascot img{width:180px;height:auto;filter:drop-shadow(0 8px 24px rgba(16,196,199,.2))}\n.a360-hab .final-text{flex:1;z-index:1}\n.a360-hab .final-text h2{font-family:'Sora',sans-serif;font-size:28px;font-weight:800;color:#fff;margin-bottom:12px}\n.a360-hab .final-text p{color:#94a3b8;font-size:16px;margin-bottom:24px}\n\n@media(max-width:768px){\n  .a360-hab .hero-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hab .hero-mascot img{width:160px}\n  .a360-hab .hero-btns{justify-content:center}\n  .a360-hab .img-section{flex-direction:column}\n  .a360-hab .img-section img{width:100%}\n  .a360-hab .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-hab .eeat-grid{grid-template-columns:repeat(2,1fr)}\n  .a360-hab .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hab .cities-section ul{grid-template-columns:1fr}\n}\n<\/style>\n\n<div class=\"a360-hab\">\n\n<!-- HERO CTA -->\n<div class=\"hero-cta\">\n  <div class=\"hero-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-habitation-quebec.jpg\" alt=\"Assur360 Home Insurance Broker\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">#1 Comparator in Quebec<\/div>\n    <h2 style=\"font-family:'Sora',sans-serif;font-size:clamp(26px,3.5vw,36px);font-weight:800;color:#fff;line-height:1.25;margin-bottom:16px\"><span class=\"ez-toc-section\" id=\"Home-insurance-in-Quebec\"><\/span>Home insurance<br \/><span>in Quebec<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Compare 9 AMF-certified insurers in 2 minutes. Home, condo or apartment \u2014 find the perfect coverage at the best price. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- IMAGE + INTRO -->\n<div class=\"img-section\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-habitation-quebec-courtier-realiste.jpg\" alt=\"Residential home in Quebec \u2014 Assur360 home insurance\" loading=\"lazy\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Protect-your-home-without-paying-too-much\"><\/span>Protect your home without paying too much<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Protecting your home, condo, or unit doesn&#8217;t have to cost a fortune. With Assur360, compare the prices of <strong>9 Quebec insurers certified by the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong> in just 2 minutes. <\/p>\n    <p>Find the ideal coverage at the best price, whether you are a homeowner, co-owner or tenant.<\/p>\n  <\/div>\n<\/div>\n\n<!-- \u00c9TAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-it-works\"><\/span>How it works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"steps\">\n    <div class=\"step\">\n      <div class=\"step-num\">1<\/div>\n      <h4>Quick Form<\/h4>\n      <p>Fill in the information about your home in 2 minutes<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Comparison 9 insurers<\/h4>\n      <p>We automatically compare offers from 9 certified insurers<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">3<\/div>\n      <h4>Advice from a broker<\/h4>\n      <p>An AMF-certified broker contacts you with the best options<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Save $400\/year<\/h4>\n      <p>Average savings on home insurance<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- CE QUE L'ASSURANCE COUVRE -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-Home-Insurance-Covers-in-Quebec\"><\/span>What Home Insurance Covers in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Your home insurance policy in Quebec protects three essential components. Understanding each one helps you choose the right coverage without paying for unnecessary coverage. <\/p>\n\n  <h3>The building (structure)<\/h3>\n  <p>Covers the physical structure of your home: walls, roof, foundation, floors, windows, doors, plumbing systems, electrical and heating. In the event of a major loss (fire, storm), this coverage pays for the reconstruction or repair of your property. <\/p>\n\n  <h3>Content (personal property)<\/h3>\n  <p>Covers your personal belongings: furniture, electronics, clothing, appliances, jewelry, tools and sporting goods. The majority of people <strong>underestimate the value of their assets by 30 to 50%.<\/strong> Take a detailed inventory to make sure you&#8217;re adequately covered.  <\/p>\n\n  <h3>Civil liability<\/h3>\n  <p>Covers damage you unintentionally cause to others. Is a guest injured in your home? Water damage in your home affects the neighbour downstairs? Your civil liability covers the costs. The recommended minimum is <strong>$1,000,000<\/strong>, or even $2,000,000 if you have a pool or a dog.    <\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Did you know?<\/strong>  The majority of Quebecers underestimate the value of their property by 30 to 50%. A detailed item-by-room inventory avoids unpleasant surprises in the event of a claim. Photograph each property and keep your invoices.  \n  <\/div>\n<\/div>\n\n<!-- LES 3 FORMULES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"The-3-home-insurance-formulas-explained\"><\/span>The 3 home insurance formulas explained<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>In Quebec, insurers offer three levels of coverage. The choice of formula has a direct impact on your premium and your protection. <\/p>\n\n  <table>\n    <thead>\n      <tr>\n        <th style=\"text-align:left\">Formula<\/th>\n        <th style=\"text-align:center\">Building<\/th>\n        <th style=\"text-align:center\">Contents<\/th>\n        <th style=\"text-align:left\">Ideal for<\/th>\n        <th style=\"text-align:center\">Relative Price<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td style=\"font-weight:600\">Basic (named risks)<\/td>\n<td style=\"text-align:center\">Named<\/td>\n risks<td style=\"text-align:center\">Named<\/td>\n risks<td>Tenants<\/td>\n, tight budgets<td style=\"text-align:center;color:#10b981;font-weight:700\">$<\/td>                                \n      <\/tr>\n      <tr>\n        <td style=\"font-weight:600\">Scope<\/td>\n<td style=\"text-align:center;color:#10b981;font-weight:600\">All risks<\/td>\n<td style=\"text-align:center\">Named<\/td>\n risks<td>Owners, good value for money<\/td>\n<td style=\"text-align:center;color:#f59e0b;font-weight:700\">$$<\/td>                                \n      <\/tr>\n      <tr>\n        <td style=\"font-weight:600\">All risks<\/td>\n<td style=\"text-align:center;color:#10b981;font-weight:600\">All risks<\/td>\n<td style=\"text-align:center;color:#10b981;font-weight:600\">All risks<\/td>\n<td>Maximum protection, valuable<\/td>\n properties<td style=\"text-align:center;color:#ef4444;font-weight:700\">$$$<\/td>                                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n\n  <p><strong>Named perils<\/strong> means that only claims explicitly listed in the policy are covered (fire, theft, vandalism, storm, etc.). <strong>All perils<\/strong> means that everything is covered, except for the explicit exclusions. The extended formula is the most popular choice in Quebec. <\/p>\n<\/div>\n\n<!-- PAR TYPE DE PROPRI\u00c9T\u00c9 -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Home-insurance-by-property-type\"><\/span>Home insurance by property type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <h3>Single-family home<\/h3>\n  <p>The most comprehensive coverage is recommended. You are responsible for the entire structure, the land and the outbuildings (garage, shed, swimming pool). The cost of rebuilding is the main factor that determines your premium. Make sure your coverage amount reflects the current cost of rebuilding, not the market value.   <\/p>\n\n  <h3>Condo (co-ownership)<\/h3>\n  <p>As a co-owner, the syndicate of co-ownership ensures the common areas and the structure of the building. Your personal insurance covers your improvements (floors, cabinets, countertops), your contents and your civil liability. Check the syndicate&#8217;s policy for the common deductible \u2014 you may be required to pay your co-payment in the event of a loss. <a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">Learn more about condo insurance<\/a>.  <\/p>\n\n  <h3>Housing (tenant)<\/h3>\n  <p>As a tenant, you do not need to insure the building (this is the landlord&#8217;s responsibility). Your insurance covers your personal content and your civil liability. This is the cheapest option, but it is essential: without it, a fire or theft leaves you without recourse. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-in-3-minutes\/\">Learn more about tenant insurance<\/a>.  <\/p>\n\n  <h3>Price estimates by type of housing (2026)<\/h3>\n\n  <table>\n    <thead>\n      <tr>\n        <th style=\"text-align:left\">Type<\/th>\n<th style=\"text-align:center\">Average<\/th>\n annual price<th style=\"text-align:center\">Monthly<\/th>\n price<th style=\"text-align:left\">What&#8217;s Covered<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td style=\"font-weight:600\">Single-family<\/td>\n home<td style=\"text-align:center\">$1,200 &#8211; $<\/td>\n2,500<td style=\"text-align:center\">$100 &#8211; $<\/td>\n210<td>Building + content + civil liability<\/td>                        \n      <\/tr>\n      <tr>\n        <td style=\"font-weight:600\">Condo<\/td>\n<td style=\"text-align:center\">$400 &#8211; $<\/td>\n900<td style=\"text-align:center\">$35 &#8211; $<\/td>\n75<td>Improvements + content + liability<\/td>                        \n      <\/tr>\n      <tr>\n        <td style=\"font-weight:600\">Housing (tenant)<\/td>\n<td style=\"text-align:center\">$300 &#8211; $<\/td>\n700<td style=\"text-align:center\">$25 &#8211; $<\/td>\n60<td>Content + Liability<\/td>                        \n      <\/tr>\n      <tr>\n        <td style=\"font-weight:600\">Cottage \/ second<\/td>\n home<td style=\"text-align:center\">$800 &#8211; $<\/td>\n2,000<td style=\"text-align:center\">$67 &#8211; $<\/td>\n167<td>Building + content (special conditions)<\/td>                        \n      <\/tr>\n    <\/tbody>\n  <\/table>\n\n  <p><em>These prices are estimates based on the Quebec market in 2026. Your actual premium depends on many factors. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Get your exact price in 2 minutes<\/a>. <\/em><\/p>\n<\/div>\n\n<!-- AVENANTS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Important-Endorsements-to-Consider\"><\/span>Important Endorsements to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Endorsements are additional coverage that is added to your base policy. Some are essential depending on your situation. <\/p>\n\n  <h3>Water Damage Endorsement (Sewer Backup)<\/h3>\n  <p>The most common disaster in Quebec. Your basic policy does <strong>not<\/strong> cover sewer backup or groundwater infiltration. This endorsement is highly recommended, especially if your basement is finished. According to the <a href=\"https:\/\/www.ibc.ca\/\" target=\"_blank\" rel=\"noopener\">Insurance Bureau of Canada (IBC),<\/a> water damage is the leading cause of residential claims in the country.   <\/p>\n\n  <h3>Earthquake Endorsement<\/h3>\n  <p>Not covered by the standard policy. Quebec is located in an active seismic zone, particularly the St. Lawrence Valley, Charlevoix and the Outaouais region. This endorsement covers damage to your building and contents caused by an earthquake.  <\/p>\n\n  <h3>Replacement Cost Endorsement<\/h3>\n  <p>Without this endorsement, your damaged property is reimbursed at its depreciated value (wear and tear). With replacement cost, you receive the amount needed to purchase an equivalent new replacement. The difference can be several thousand dollars.  <\/p>\n\n  <h3>Identity Theft Endorsement<\/h3>\n  <p>Covers costs related to identity theft: legal fees, loss of income, credit restoration costs. With the rise of cybercrime, this amendment is becoming more and more relevant. <\/p>\n\n  <h3>Home Office Endorsement<\/h3>\n  <p>If you&#8217;re working remotely with expensive business equipment or have clients over at your home, this endorsement extends your coverage to cover your equipment and professional liability.<\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Advice from the brokers of our partner firms:<\/strong> The water damage endorsement is the most important to consider. Water damage is the leading cause of claims in Quebec. If your basement is finished, this endorsement could save you tens of thousands of dollars in damages.  \n  <\/div>\n<\/div>\n\n<!-- EXCLUSIONS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-Home-Insurance-Does-NOT-Cover\"><\/span>What Home Insurance Does NOT Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Knowing the exclusions will help you avoid unpleasant surprises when making a claim. Here are the most common exclusions in Quebec: <\/p>\n  <ul>\n    <li><strong>Flooding by overflowing watercourses<\/strong> \u2014 specific endorsement required<\/li>\n    <li><strong>Sewer backup<\/strong> \u2014 specific endorsement required<\/li>\n    <li><strong>Earthquakes<\/strong> \u2014 specific rider required<\/li>\n    <li><strong>Ground movements<\/strong> (landslides, subsidence)<\/li>\n    <li><strong>Normal wear and tear and neglected maintenance<\/strong> (dilapidated roof, chronic mold)<\/li>\n    <li><strong>Environmental contamination<\/strong> (pyrite, radon, asbestos)<\/li>\n    <li><strong>Wars, terrorist acts, riots<\/strong><\/li>\n    <li><strong>Intentional damage<\/strong><\/li>\n  <\/ul>\n  <p>For some exclusions, endorsements are available. Talk to your broker to identify additional protections that are relevant to your situation. <\/p>\n<\/div>\n\n<!-- SINISTRE -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-disaster-at-your-home\"><\/span>What to do in the event of a disaster at your home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>A disaster is stressful. Follow these steps to protect your rights and make your claim easier. <\/p>\n  <ol>\n    <li><strong>Ensure security:<\/strong> Evacuate if necessary. Call 911 in the event of a fire, collapse or immediate danger. <\/li>\n    <li><strong>Limit the damage:<\/strong> Turn off the water in case of water damage, cover a broken window with a tarp. Your policy requires you to take reasonable steps to limit the damage. <\/li>\n    <li><strong>Document everything:<\/strong> Take photos and videos of the damage before touching anything. Write down the date, time and circumstances of the loss. <\/li>\n    <li><strong>Contact your insurer:<\/strong> Report the claim within <strong>24 hours<\/strong>. Your insurer will assign you a claims specialist. <\/li>\n    <li><strong>Don&#8217;t throw anything away:<\/strong> Keep all damaged property until the expert&#8217;s visit. They serve as evidence for your claim. <\/li>\n    <li><strong>Keep your receipts:<\/strong> If you need to stay temporarily or buy essential goods, keep all receipts \u2014 these costs are usually covered by your policy.<\/li>\n  <\/ol>\n<\/div>\n\n<!-- MID CTA -->\n<div class=\"mid-cta\">\n  <h2><span class=\"ez-toc-section\" id=\"Are-you-well-protected-Check-in-2-minutes\"><\/span>Are you well protected? Check in 2 minutes. <span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Compare 9 Quebec insurers certified by AMF. Free, no obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" class=\"btn-teal\" style=\"display:inline-flex\">Compare prices now \u2192<\/a>\n<\/div>\n\n<!-- FACTEURS DE PRIX -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-affects-the-price-of-your-home-insurance\"><\/span>What affects the price of your home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <h3>Your property<\/h3>\n  <ul>\n    <li><strong>Type of dwelling:<\/strong> Detached, semi-detached, condo, residential \u2014 each type has a different risk profile.<\/li>\n    <li><strong>Age of the building:<\/strong> Older houses cost more to insure (plumbing, electricity, roofing).<\/li>\n    <li><strong>Reconstruction value:<\/strong> The higher the cost of rebuilding, the higher the premium.<\/li>\n    <li><strong>Type of heating:<\/strong> Wood or oil heating costs more to ensure than electricity.<\/li>\n    <li><strong>Proximity to a fire hydrant:<\/strong> The closer you are, the lower your premium.<\/li>\n  <\/ul>\n\n  <h3>Your profile<\/h3>\n  <ul>\n    <li><strong>Claims History:<\/strong> Each claim can increase your premium for 5 to 7 years.<\/li>\n    <li><strong>Credit Score:<\/strong> Some insurers use it as a rating factor.<\/li>\n    <li><strong>Place of residence:<\/strong> Urban areas, flood zones and regions with high crime rates cost more.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- 7 STRAT\u00c9GIES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"7-Strategies-to-Reduce-Your-Home-Insurance-Premium\"><\/span>7 Strategies to Reduce Your Home Insurance Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <ol>\n    <li><strong>Compare at least 3 insurers:<\/strong> Premiums vary from 20% to 40% from one insurer to another for the same coverage. Use our <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">free comparator<\/a>. <\/li>\n    <li><strong>Bundle your insurance:<\/strong> Combine <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car and home<\/a> for a 5 to 15% discount.<\/li>\n    <li><strong>Increase your deductible:<\/strong> Going from $500 to $1,000 can reduce your premium by 15-25%.<\/li>\n    <li><strong>Install an alarm system:<\/strong> A ULC-certified system with monitoring can reduce your premium by up to 15%.<\/li>\n    <li><strong>Upgrade your property:<\/strong> New roof, modern plumbing, up-to-date electrical panel \u2014 every upgrade reduces risk.<\/li>\n    <li><strong>Maintain a good record:<\/strong> No claims for 5+ years qualifies you for the best rates.<\/li>\n    <li><strong>Claim all discounts:<\/strong> Retired, non-smoking, new home, annual payment, alarm \u2014 every discount counts.<\/li>\n  <\/ol>\n<\/div>\n\n<!-- AUTORIT\u00c9S -->\n\n<!-- COMPARAISON ASSUR360 VS CONCURRENTS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Why-choose-an-Assur360-broker-over-a-direct-insurer\"><\/span>Why choose an Assur360 broker over a direct insurer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Quebec homeowners save an average of <strong>$400 per year<\/strong> by using a broker rather than a direct insurer such as Intact, Desjardins or TD Insurance. Here&#8217;s why. <\/p>\n  <div style=\"overflow-x:auto;margin:24px 0\">\n    <table style=\"width:100%;border-collapse:collapse;font-size:15px;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.05)\">\n      <thead>\n        <tr style=\"background:#0d1f2d;color:#fff\">\n          <th style=\"padding:14px 12px;text-align:left;font-weight:700\">Criterion<\/th>\n          <th style=\"padding:14px 12px;text-align:center;background:#10c4c7;color:#0d1f2d;font-weight:800\">Assur360 (broker)<\/th>\n          <th style=\"padding:14px 12px;text-align:center;font-weight:700\">Direct Insurer<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr style=\"border-bottom:1px solid #e2e8f0\">\n          <td style=\"padding:12px;font-weight:600\">Number of insurers<\/td>\n compared<td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">9 insurers<\/td>\n<td style=\"padding:12px;text-align:center;color:#64748b\">1 single<\/td>                    \n        <\/tr>\n        <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc\">\n          <td style=\"padding:12px;font-weight:600\">Average Savings \/ Year<\/td>\n          <td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">$400+<\/td>\n          <td style=\"padding:12px;text-align:center;color:#64748b\">$0<\/td>\n        <\/tr>\n        <tr style=\"border-bottom:1px solid #e2e8f0\">\n          <td style=\"padding:12px;font-weight:600\">AMF<\/td>\n personal advice<td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">Yes, AMF<\/td>\n certified<td style=\"padding:12px;text-align:center;color:#64748b\">Insurer&#8217;s agent<\/td>                    \n        <\/tr>\n        <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc\">\n          <td style=\"padding:12px;font-weight:600\">Loyalty to the insured<\/td>\n          <td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">Represent YOU<\/td>\n          <td style=\"padding:12px;text-align:center;color:#64748b\">Represents the insurer<\/td>\n        <\/tr>\n        <tr style=\"border-bottom:1px solid #e2e8f0\">\n          <td style=\"padding:12px;font-weight:600\">Disaster<\/td>\n support<td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">Yes, lawyer on your side<\/td>\n<td style=\"padding:12px;text-align:center;color:#64748b\">Variable<\/td>                    \n        <\/tr>\n        <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc\">\n          <td style=\"padding:12px;font-weight:600\">Shopping at renewal<\/td>\n          <td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">Automatic every year<\/td>\n          <td style=\"padding:12px;text-align:center;color:#64748b\">At your expense<\/td>\n        <\/tr>\n        <tr>\n          <td style=\"padding:12px;font-weight:600\">Cost of service<\/td>\n          <td style=\"padding:12px;text-align:center;background:#f0fdfa;color:#0d1f2d;font-weight:700\">Free<\/td>\n          <td style=\"padding:12px;text-align:center;color:#64748b\">Free<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <p style=\"font-size:14px;color:#64748b;font-style:italic\">The brokers of our partner firms compare the offers of Intact, Desjardins, TD, La Capitale, Belair, Promutuel, L&#8217;Unique and other Quebec insurers for your home insurance.<\/p>\n<\/div>\n\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Your-protection-supervised-by-the-Quebec-authorities\"><\/span>Your protection supervised by the Quebec authorities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>In Quebec, home insurance is a strictly regulated sector to protect consumers:<\/p>\n  <ul>\n    <li><strong><a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a><\/strong> \u2014 Supervises the entire insurance sector in Qu\u00e9bec. All insurers and brokers must be validly licensed. <\/li>\n    <li><strong><a href=\"https:\/\/chambreassurance.ca\/\" target=\"_blank\" rel=\"noopener\">Insurance Chamber<\/a><\/strong> \u2014 Oversees damage insurance brokers and agents. Check your broker&#8217;s certifications on their public registry. <\/li>\n    <li><strong><a href=\"https:\/\/educaloi.qc.ca\/capsules\/votre-assurance-habitation\/\" target=\"_blank\" rel=\"noopener\">\u00c9ducaloi<\/a><\/strong> \u2014 Free legal resource to help you understand your home insurance rights in Quebec.<\/li>\n    <li><strong><a href=\"https:\/\/www.ibc.ca\/\" target=\"_blank\" rel=\"noopener\">Insurance Bureau of Canada (IBC)<\/a><\/strong> \u2014Statistics and resources on residential claims in Canada.<\/li>\n  <\/ul>\n  <p>Assur360&#8217;s broker partners are all certified by the AMF and members of the Chambre de l&#8217;assurance.<\/p>\n<\/div>\n\n<!-- EEAT SECTION -->\n<div class=\"eeat\">\n  <h2><span class=\"ez-toc-section\" id=\"Why-choose-Assur360-for-your-home-insurance\"><\/span>Why choose Assur360 for your home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"eeat-grid\">\n    <div class=\"eeat-item\">\n      <div class=\"eeat-check\">AMF<\/div>\n      <h4>Certified brokers<\/h4>\n      <p>Licence from the Autorit\u00e9 des march\u00e9s financiers<\/p>\n    <\/div>\n    <div class=\"eeat-item\">\n      <div class=\"eeat-check\">Insurance Chamber<\/div>\n      <h4>Members Insurance Chamber<\/h4>\n      <p>Insurance Chamber<\/p>\n    <\/div>\n    <div class=\"eeat-item\">\n      <div class=\"eeat-check\">100K+<\/div>\n      <h4>Submissions<\/h4>\n      <p>More than 100,000 submissions compared<\/p>\n    <\/div>\n    <div class=\"eeat-item\">\n      <div class=\"eeat-check\">9<\/div>\n      <h4>Insurers<\/h4>\n      <p>Compared for the best price<\/p>\n    <\/div>\n  <\/div>\n  <div class=\"stats-grid\">\n    <div class=\"stat-card\">\n      <div class=\"stat-num\">9<\/div>\n      <div class=\"stat-label\">Insurers Compared<\/div>\n      <div class=\"stat-desc\">All certified by the AMF<\/div>\n    <\/div>\n    <div class=\"stat-card\">\n      <div class=\"stat-num\">2 min<\/div>\n      <div class=\"stat-label\">To compare<\/div>\n      <div class=\"stat-desc\">Fast and free quote<\/div>\n    <\/div>\n    <div class=\"stat-card\">\n      <div class=\"stat-num\">$400<\/div>\n      <div class=\"stat-label\">Average Economy<\/div>\n      <div class=\"stat-desc\">Per year on your premium<\/div>\n    <\/div>\n    <div class=\"stat-card\">\n      <div class=\"stat-num\">100 %<\/div>\n      <div class=\"stat-label\">Independent<\/div>\n      <div class=\"stat-desc\">No insurance affiliation<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"faq\">\n  <h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Home-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Home Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>Is home insurance mandatory in Quebec?<\/summary>\n    <p>No, home insurance is not legally mandatory in Quebec for homeowners. However, your mortgage lender requires it in the vast majority of cases. For tenants, the landlord may require this in the lease. In fact, not being insured exposes you to major financial losses in the event of a claim.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>How much does home insurance cost in Quebec in 2026?<\/summary>\n    <p>The average cost varies depending on the type: single-family home between $1,200 and $2,500 per year, condo between $400 and $900, renter&#8217;s housing between $300 and $700. The price depends on where you live, the value of the building, your claims history and the coverage you choose. <\/p>\n  <\/details>\n\n  <details>\n    <summary>What does home insurance cover?<\/summary>\n    <p>There are three components: the building (structure, roof, foundations), the contents (furniture, appliances, personal effects) and civil liability (damage caused to others). Depending on the formula chosen (basic, extended or all-risk), the coverage varies. Endorsements allow you to add specific protections.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>What is the difference between basic, extended and all-risk plans?<\/summary>\n    <p>Basic = only the listed claims are covered. Scope = all-risk building, named hazard content. All risks = building AND contents all risks, unless explicitly excluded. The extended formula is the most popular in Quebec.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What to do in the event of a claim?<\/summary>\n    <p>1) Ensure safety and call 911 if necessary; 2) Limit the damage; 3) Document with photos and videos; 4) Contact your insurer within 24 hours; 5) Do not throw anything away before the expert&#8217;s visit; 6) Keep all your temporary expense receipts.     <\/p>\n  <\/details>\n\n  <details>\n    <summary>How can I reduce the cost of my home insurance?<\/summary>\n    <p>Compare 3+ insurers, bundle car and home (5-15% discount), increase the deductible, install a ULC-certified alarm system, improve the roof and plumbing, maintain a good claim-free record, apply for all discounts (retired, non-smoker, annual payment).<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does insurance cover water damage?<\/summary>\n    <p>It depends. Sewer backup and underground seepage are NOT covered under the basic policy \u2014 an endorsement is required. Internal pipe breaks are usually covered. Flooding by overflowing watercourses also requires a separate endorsement.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What is the difference between a broker and an agent?<\/summary>\n    <p>A broker is independent and compares several insurers. An agent represents a single company. Both are supervised by the AMF and the Chambre de l&#8217;assurance. The broker is free of charge \u2014 his commission is paid by the insurer.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What is replacement cost?<\/summary>\n    <p>Replacement cost reimburses the cost of an equivalent new replacement, without deduction for depreciation. Without this option, you receive the used value of your belongings. The difference can be thousands of dollars. Highly recommended.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does insurance cover earthquakes?<\/summary>\n    <p>No, not by default. A specific amendment is required. Quebec is in an active seismic zone (St. Lawrence Valley, Charlevoix, Outaouais). This endorsement is recommended in these regions.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my insurance cover teleworking?<\/summary>\n    <p>A basic home office is usually covered. If you receive clients or have expensive business equipment, a home office endorsement is necessary. Always inform your insurer of your teleworking situation.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How do I assess the value of my belongings?<\/summary>\n    <p>Take an inventory room by room: furniture, electronics, clothing, jewelry, appliances. Photograph each property and keep the invoices. Most people underestimate by 30 to 50 percent. Update your inventory annually.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What factors influence the price?<\/summary>\n    <p>Type of dwelling, age of the building, reconstruction value, place of residence, proximity to a fire station, history of claims, deductible chosen, security system and type of heating.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Can I change insurer during the course of my contract?<\/summary>\n    <p>Yes, you can cancel at any time with written notice. Short-term cancellation fees may apply. Ideally, you should change on the renewal date to avoid these fees.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How long does an online quote take?<\/summary>\n    <p>With Assur360, it only takes 2 minutes to compare 9 insurers. You&#8217;ll need your address, year of construction, type of heating, and approximate value of your belongings. Free and without obligation.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Which liability coverage should I choose?<\/summary>\n    <p>Recommended minimum: $1,000,000. If you have a pool, trampoline, or dog, consider $2,000,000. The additional cost is minimal compared to the coverage offered.  <\/p>\n  <\/details>\n<\/div>\n\n<!-- FINAL CTA -->\n<div class=\"final-cta\">\n  <div class=\"final-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Broker\"\/>\n  <\/div>\n  <div class=\"final-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Protect-your-home-at-the-best-price\"><\/span>Protect your home at the best price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The brokers of our AMF-certified partner firms compare 9 insurers to find you the best home coverage. Free, no obligation. Average savings: $400 per year.  <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-hab -->\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance habitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"}\n  ]\n}\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/\",\n  \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"email\": \"info@assur360.ca\",\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Qu\\u00e9bec, Canada\"},\n  \"description\": \"Comparateur d'assurance habitation au Qu\\u00e9bec. Comparez les prix de 9 assureurs certifi\\u00e9s AMF en 2 minutes.\",\n  \"priceRange\": \"$$\",\n  \"address\": {\"@type\":\"PostalAddress\",\"addressLocality\":\"Montr\\u00e9al\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\n  \"hasCredential\": {\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\\u00e9 des march\\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}},\n  \"serviceType\": [\"Assurance habitation\",\"Assurance condo\",\"Assurance locataire\"]\n}\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"L'assurance habitation est-elle obligatoire au Qu\\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance habitation n'est pas l\\u00e9galement obligatoire au Qu\\u00e9bec pour les propri\\u00e9taires. Cependant, votre pr\\u00eateur hypoth\\u00e9caire l'exige dans la grande majorit\\u00e9 des cas. Pour les locataires, le propri\\u00e9taire peut l'exiger dans le bail. Dans les faits, ne pas \\u00eatre assur\\u00e9 vous expose \\u00e0 des pertes financi\\u00e8res majeures en cas de sinistre.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien co\\u00fbte une assurance habitation au Qu\\u00e9bec en 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le co\\u00fbt moyen d'une assurance habitation au Qu\\u00e9bec en 2026 varie selon le type de propri\\u00e9t\\u00e9 : maison unifamiliale entre 1 200 $ et 2 500 $ par ann\\u00e9e, condo entre 400 $ et 900 $, et logement locataire entre 300 $ et 700 $. Le prix d\\u00e9pend de votre lieu de r\\u00e9sidence, de la valeur du b\\u00e2timent, de votre historique de r\\u00e9clamations et des protections choisies.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que couvre l'assurance habitation au Qu\\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance habitation couvre g\\u00e9n\\u00e9ralement trois volets : le b\\u00e2timent (structure, toiture, fondations), le contenu (meubles, appareils, effets personnels) et la responsabilit\\u00e9 civile (dommages caus\\u00e9s \\u00e0 autrui). Selon la formule choisie (de base, \\u00e9tendue ou tous risques), la couverture varie. Les avenants permettent d'ajouter des protections sp\\u00e9cifiques comme les d\\u00e9g\\u00e2ts d'eau ou le vol d'identit\\u00e9.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre les formules de base, \\u00e9tendue et tous risques?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La formule de base (risques nomm\\u00e9s) couvre uniquement les sinistres list\\u00e9s dans la police : incendie, vol, vandalisme, temp\\u00eate. La formule \\u00e9tendue couvre le b\\u00e2timent contre tous les risques et le contenu contre les risques nomm\\u00e9s. La formule tous risques couvre le b\\u00e2timent ET le contenu contre tous les risques, sauf les exclusions explicites. C'est la protection la plus compl\\u00e8te.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre \\u00e0 mon domicile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En cas de sinistre : 1) Assurez la s\\u00e9curit\\u00e9 des occupants et appelez le 911 si n\\u00e9cessaire; 2) Prenez des mesures pour limiter les dommages (fermez l'eau, couvrez une fen\\u00eatre bris\\u00e9e); 3) Documentez les dommages avec des photos et vid\\u00e9os; 4) Contactez votre assureur dans les 24 heures pour d\\u00e9clarer le sinistre; 5) Ne jetez rien avant la visite de l'sp\u00e9cialiste en sinistre; 6) Conservez tous vos re\\u00e7us de d\\u00e9penses temporaires.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment r\\u00e9duire le co\\u00fbt de mon assurance habitation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sept strat\\u00e9gies efficaces : 1) Comparer au moins 3 assureurs diff\\u00e9rents; 2) Regrouper auto et habitation chez le m\\u00eame assureur (rabais 5-15 %); 3) Augmenter votre franchise (500 $ \\u00e0 1 000 $); 4) Installer un syst\\u00e8me d'alarme certifi\\u00e9 ULC; 5) Am\\u00e9liorer la plomberie et la toiture; 6) Maintenir un bon dossier sans r\\u00e9clamation; 7) Demander tous les rabais disponibles (retrait\\u00e9, non-fumeur, maison neuve).\"}},\n    {\"@type\":\"Question\",\"name\":\"L'assurance habitation couvre-t-elle les d\\u00e9g\\u00e2ts d'eau?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u00c7a d\\u00e9pend du type de d\\u00e9g\\u00e2t d'eau. Le refoulement d'\\u00e9gout et les infiltrations d'eau souterraine ne sont PAS couverts par la police de base \\u2014 il faut l'avenant sp\\u00e9cifique. Les d\\u00e9g\\u00e2ts caus\\u00e9s par un bris de tuyau interne sont g\\u00e9n\\u00e9ralement couverts. Les inondations caus\\u00e9es par un d\\u00e9bordement de cours d'eau n\\u00e9cessitent aussi un avenant distinct. V\\u00e9rifiez votre police et ajoutez les avenants n\\u00e9cessaires.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre un courtier et un agent d'assurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier est ind\\u00e9pendant et compare les offres de plusieurs assureurs pour trouver le meilleur rapport qualit\\u00e9-prix pour vous. Un agent repr\\u00e9sente une seule compagnie d'assurance. Au Qu\\u00e9bec, les deux sont encadr\\u00e9s par l'AMF et la Chambre de l'assurance. Le courtier est gratuit pour le consommateur \\u2014 sa commission est pay\\u00e9e par l'assureur.\"}},\n    {\"@type\":\"Question\",\"name\":\"Qu'est-ce que la valeur \\u00e0 neuf en assurance habitation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La valeur \\u00e0 neuf signifie que votre assureur remplace vos biens endommag\\u00e9s par des articles neufs \\u00e9quivalents, sans d\\u00e9duction pour la d\\u00e9pr\\u00e9ciation. Par exemple, si votre t\\u00e9l\\u00e9vision de 5 ans est d\\u00e9truite, vous recevez le montant pour en acheter une neuve. Sans cette option, vous recevriez la valeur d\\u00e9pr\\u00e9ci\\u00e9e (beaucoup moins). La valeur \\u00e0 neuf est fortement recommand\\u00e9e.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon assurance habitation couvre-t-elle le t\\u00e9l\\u00e9travail?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des polices d'assurance habitation couvrent un bureau \\u00e0 domicile de base (ordinateur, mobilier). Cependant, si vous recevez des clients chez vous, si vous avez du mat\\u00e9riel professionnel co\\u00fbteux ou si vous stockez des inventaires, vous pourriez avoir besoin d'un avenant bureau \\u00e0 domicile ou d'une assurance entreprise \\u00e0 domicile distincte. Informez votre assureur de votre situation.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment \\u00e9valuer la valeur de mes biens pour l'assurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Faites un inventaire pi\\u00e8ce par pi\\u00e8ce : meubles, \\u00e9lectronique, v\\u00eatements, bijoux, \\u00e9lectrom\\u00e9nagers, outils, articles de sport. Photographiez chaque bien et conservez les factures. La plupart des gens sous-estiment la valeur de leurs biens de 30 \\u00e0 50 %. Utilisez un outil d'inventaire en ligne ou l'application de votre assureur. Mettez \\u00e0 jour votre inventaire annuellement.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quels facteurs influencent le prix de mon assurance habitation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les principaux facteurs sont : le type d'habitation (maison, condo, logement), l'\\u00e2ge et l'\\u00e9tat du b\\u00e2timent, la valeur de reconstruction, le lieu de r\\u00e9sidence (zone inondable, taux de criminalit\\u00e9), la proximit\\u00e9 d'une caserne de pompiers, votre historique de r\\u00e9clamations, la franchise choisie, le syst\\u00e8me de s\\u00e9curit\\u00e9 install\\u00e9 et le type de chauffage.\"}},\n    {\"@type\":\"Question\",\"name\":\"L'assurance habitation couvre-t-elle les tremblements de terre?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, les tremblements de terre ne sont PAS couverts par la police d'assurance habitation standard au Qu\\u00e9bec. Il faut souscrire un avenant sp\\u00e9cifique. Consid\\u00e9rant que le Qu\\u00e9bec est situ\\u00e9 dans une zone sismique active (vall\\u00e9e du Saint-Laurent), cet avenant est recommand\\u00e9, surtout dans les r\\u00e9gions de Charlevoix, Qu\\u00e9bec et l'Outaouais.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je changer d'assureur habitation en cours de contrat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, vous pouvez r\\u00e9silier votre police d'assurance habitation \\u00e0 tout moment au Qu\\u00e9bec. Vous devez envoyer un avis \\u00e9crit \\u00e0 votre assureur actuel. Si vous r\\u00e9siliez avant la fin du terme, des frais de r\\u00e9siliation \\u00e0 court terme peuvent s'appliquer. L'id\\u00e9al est de changer \\u00e0 la date de renouvellement pour \\u00e9viter ces frais.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps prend une soumission d'assurance habitation en ligne?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Avec le comparateur Assur360, vous pouvez obtenir et comparer les prix de 9 assureurs qu\\u00e9b\\u00e9cois en 2 minutes. Vous aurez besoin de votre adresse, de l'ann\\u00e9e de construction de votre propri\\u00e9t\\u00e9, du type de chauffage et de la valeur approximative de vos biens. La soumission est gratuite et sans obligation.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle couverture de responsabilit\\u00e9 civile choisir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La responsabilit\\u00e9 civile couvre les dommages que vous causez involontairement \\u00e0 autrui (un invit\\u00e9 se blesse chez vous, un d\\u00e9g\\u00e2t d'eau affecte votre voisin). Le minimum recommand\\u00e9 est de 1 000 000 $. Si vous avez une piscine, un trampoline ou un chien, envisagez 2 000 000 $. Le co\\u00fbt additionnel est minime compar\\u00e9 \\u00e0 la protection offerte.\"}}\n  ]\n}\n<\/script>\n<p><!-- MAILLAGE-HUB-START --><br \/>\n<!-- estimateur-hab-2026-06 --><\/p>\n\n<div id=\"hab-estimator\" style=\"margin:40px 0;padding:32px;background:linear-gradient(135deg,#10c4c7 0%,#0d1f2d 100%);border-radius:8px;color:white\">\n<h2 style=\"margin:0 0 8px;color:white;font-size:26px\"><span class=\"ez-toc-section\" id=\"Premium-Estimator-%E2%80%94-Home-Insurance-Quebec\"><\/span>Premium Estimator \u2014 Home Insurance Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;margin:0 0 24px;font-size:15px;line-height:1.5\">Get an indicative range in 30 seconds based on the 2026 scales of Assur360 partner firms. Final premium after full analysis. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;background:rgba(255,255,255,0.08);padding:24px;border-radius:8px\">\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Type of housing<\/label>\n<select id=\"hab_type\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"proprio_maison\" selected=\"selected\">Homeowner<\/option>\n <option value=\"proprio_condo\">Condo<\/option>\n owner <option value=\"locataire\">Tenant<\/option>\n <option value=\"prop_locatif\">Rental property owner (4 units max)<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Reconstruction Value<\/label>\n<select id=\"hab_valeur\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"200\">Less than $250,000<\/option> <option value=\"350\" selected=\"selected\">$250,000 to $450,000<\/option> <option value=\"550\">$450,000 to $650,000<\/option> <option value=\"800\">$650,000 to $900,000<\/option> <option value=\"1200\">More than $900,000<\/option>\n\n\n\n\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Region<\/label>\n<select id=\"hab_region\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"mtl_ile\" selected=\"selected\">Island of Montreal<\/option>\n<option value=\"laval\">Laval<\/option>\n<option value=\"rivesud\">South Shore (Longueuil, Brossard)<\/option>\n<option value=\"banlieue_mtl\">North Shore MTL<\/option>\n<option value=\"qc_ville\">Quebec City<\/option>\n<option value=\"gatineau\">Gatineau\/Outaouais<\/option>\n<option value=\"region\">Quebec Regions<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Age of the building<\/label>\n<select id=\"hab_age\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"new\">Less than 10 years<\/option>\n old <option value=\"med\" selected=\"selected\">10 to 30 years old<\/option>\n <option value=\"old\">30 to 60 years old<\/option>\n <option value=\"veryold\">Over 60 years old<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Alarm system<\/label>\n<select id=\"hab_alarme\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"none\">None<\/option>\n <option value=\"local\">Local<\/option>\n alarm <option value=\"monit\" selected=\"selected\">Alarm connected to central control<\/option>\n unit <option value=\"full\">Alarm + water detectors + cameras<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Loss history (5 years)<\/label>\n <select id=\"hab_dossier\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"clean\" selected=\"selected\">No claims<\/option>\n<option value=\"one\">1 minor<\/option>\n claim<option value=\"multiple\">2+ previous claims or denials<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Special Endorsements<\/label>\n<select id=\"hab_avenants\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n<option value=\"none\">None<\/option>\n <option value=\"standard\" selected=\"selected\">Sewer backup + replacement<\/option>\n cost <option value=\"complete\">Backup + replacement cost + replacement to new jewellery\/objects<\/option>\n <option value=\"business\">Business Use Endorsement (Work from Home)<\/option>\n<\/select><\/div>\n\n<div><label style=\"display:block;font-size:14px;color:#e6f7f7;margin-bottom:6px;font-weight:600\">Frankness<\/label>\n<select id=\"hab_franch\" style=\"width:100%;padding:10px;border-radius:4px;border:none;font-size:14px;background:white;color:#0d1f2d\">\n$\n<option value=\"500\">500<\/option> <option value=\"1000\" selected=\"selected\">$1,000 (Standard)<\/option>\n $\n<option value=\"2500\">2,500<\/option> <option value=\"5000\">$5,000 (Max Savings)<\/option>\n<\/select><\/div>\n\n<\/div>\n\n<div style=\"text-align:center;margin-top:24px\">\n<button onclick=\"habCalcul()\" style=\"background:white;color:#0d1f2d;border:none;padding:14px 36px;border-radius:6px;font-weight:700;font-size:16px;cursor:pointer\">Calculate my estimated premium<\/button>\n<\/div>\n\n<div id=\"hab-result\" style=\"display:none;margin-top:28px;padding:24px;background:rgba(255,255,255,0.95);border-radius:8px;color:#0d1f2d\">\n<h3 style=\"margin:0 0 16px;color:#0d1f2d;font-size:20px\">Estimated range for your profile<\/h3>\n<div id=\"hab-breakdown\" style=\"font-size:15px;line-height:1.7\"><\/div>\n<div style=\"margin-top:20px;padding:16px;background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:4px\">\n<strong style=\"color:#0d1f2d\">Estimated annual premium:  <span id=\"hab-total-an\" style=\"color:#10c4c7;font-size:22px\"><\/span><\/strong><br \/><strong style=\"color:#0d1f2d;font-size:14px\">or about  <span id=\"hab-total-mo\" style=\"color:#10c4c7;font-size:17px\"><\/span><\/strong>\n<p style=\"margin:8px 0 0;color:#64748b;font-size:13px\">Indicative estimate. Final rate determined after a full evaluation (inspection if necessary, detailed history) by an AMF broker. <\/p>\n<\/div>\n<div style=\"text-align:center;margin-top:20px\">\n<a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:white;padding:14px 32px;border-radius:6px;text-decoration:none;font-weight:700;font-size:16px;margin:4px\">Get real<\/a>\n quotes <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\" style=\"display:inline-block;background:transparent;color:#0d1f2d;padding:14px 32px;border-radius:6px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #0d1f2d;margin:4px\">Talk to a broker<\/a>\n<\/div>\n<\/div>\n\n<\/div>\n\n<script>\n(function(){\n  \/\/ Base premium by type and value bracket (annual, Qu\u00e9bec 2026)\n  var typeMul = { proprio_maison:1.0, proprio_condo:0.55, locataire:0.18, prop_locatif:1.45 };\n  \/\/ Base by reconstruction value (in thousands $)\n  function basePrime(val) {\n    var v = parseInt(val, 10);\n    if (v <= 200) return 700;\n    if (v <= 350) return 900;\n    if (v <= 550) return 1180;\n    if (v <= 800) return 1450;\n    return 1850;\n  }\n  var regionMul = { mtl_ile:1.18, laval:1.05, rivesud:1.04, banlieue_mtl:0.96, qc_ville:0.88, gatineau:0.92, region:0.82 };\n  var ageMul = { new:0.92, med:1.0, old:1.18, veryold:1.42 };\n  var alarmeMul = { none:1.15, local:1.05, monit:0.94, full:0.88 };\n  var dossMul = { clean:1.0, one:1.22, multiple:1.65 };\n  var avenantsMul = { none:0.92, standard:1.0, complete:1.12, business:1.18 };\n  var franchMul = { \"500\":1.12, \"1000\":1.0, \"2500\":0.88, \"5000\":0.78 };\n\n  window.habCalcul = function(){\n    var type = document.getElementById(\"hab_type\").value;\n    var val = document.getElementById(\"hab_valeur\").value;\n    var region = document.getElementById(\"hab_region\").value;\n    var age = document.getElementById(\"hab_age\").value;\n    var alarme = document.getElementById(\"hab_alarme\").value;\n    var doss = document.getElementById(\"hab_dossier\").value;\n    var avenants = document.getElementById(\"hab_avenants\").value;\n    var franch = document.getElementById(\"hab_franch\").value;\n\n    var b = basePrime(val);\n    var prime = b * typeMul[type] * regionMul[region] * ageMul[age] * alarmeMul[alarme] * dossMul[doss] * avenantsMul[avenants] * franchMul[franch];\n\n    var primeMin = Math.round(prime * 0.8);\n    var primeMax = Math.round(prime * 1.2);\n    var moMin = Math.round(primeMin \/ 12);\n    var moMax = Math.round(primeMax \/ 12);\n\n    var html = '';\n    html += '<div style=\"margin-bottom:8px\"><strong>Prime de base (valeur de reconstruction) : <span style=\"color:#10c4c7\">' + b + '$\/an<\/span><\/strong><\/div><\/script>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home-insurance-by-city-and-neighbourhood-in-Quebec\"><\/span>Home insurance by city and neighbourhood in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">We serve more than 90 cities and neighbourhoods across Quebec \u2014 from Greater Montreal to the Gasp\u00e9 Peninsula, Saguenay, Quebec City and Abitibi. Select your location for a guide and a personalized quote. <\/p>\n\n<div class=\"a360-sim-link\" style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\ud83d\udcb0<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 SIMULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">How much will I receive after a home claim?<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">Simulator that calculates your actual compensation based on your coverage (A\/B\/C\/D) and the cause of the loss.<\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/after-a-home-claim-how-much-do-i-really-receive-simulator-2026\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Simulate my claim\u2192<\/a>\n<\/div>\n\n<div class=\"a360-sim-link\" style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\ud83c\udfe0<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 SIMULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">Should I buy or rent my home?<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">Calculator that compares the real cost of buying vs. renting over 1 to 30 years, with investments and selling costs.<\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Compare my scenarios\u2192<\/a>\n<\/div>\n\n<section style=\"margin:24px 0 40px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;\"><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-pierrefonds-roxboro-quote-in-a-few-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Pierrefonds-Roxboro<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-ahuntsic-cartierville-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Ahuntsic-Cartierville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-alma\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Alma<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/angus-home-insurance-technopole-angus-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Angus \/ Technop\u00f4le Angus<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-anjou-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Anjou<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-baie-comeau-compare-offers\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Baie-Comeau<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-beaconsfield\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Beaconsfield<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-bois-franc-saint-laurent-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Bois-Franc (Saint-Laurent)<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-boisbriand\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Boisbriand<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-boucherville\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Boucherville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-brossard-compare-the-best-offers\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Brossard<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-chambly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Chambly<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/cite-du-multimedia-home-insurance-compare-now\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Cit\u00e9 du Multim\u00e9dia home insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-cote-saint-luc-quote-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance C\u00f4te-Saint-Luc<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-cote-des-neiges-notre-dame-de-grace-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance C\u00f4te-des-Neiges\u2013Notre-Dame-de-Gr\u00e2ce<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/dorval-home-insurance-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Dorval Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-drummondville\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Drummondville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/griffintown-home-insurance-compare-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Griffintown<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/hampstead-home-insurance-compare-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Hampstead Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/lasalle-home-insurance-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">LaSalle Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-lac-megantic\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Lac-M\u00e9gantic<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/lachine-home-insurance-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Lachine<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/le-plateau-mont-royal-home-insurance-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Le Plateau-Mont-Royal<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/le-sud-ouest-home-insurance-get-your-quotes-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Le Sud-Ouest<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-longueuil-compare-for-free\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Longueuil<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/lile-bizard-sainte-genevieve-home-insurance-get-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">L&#8217;\u00cele-Bizard\u2013Sainte-Genevi\u00e8ve Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/mascouche-home-insurance-3-minute-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Mascouche<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/mercier-hochelaga-maisonneuve-home-insurance-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Mercier\u2013Hochelaga-Maisonneuve Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/mile-end-home-insurance-receive-your-quotes-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Mile End Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-mirabel\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Mirabel<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/mount-royal-home-insurance-compare-for-free\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Mount Royal Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/mont-saint-hilaire-home-insurance-online-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Mont-Saint-Hilaire<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-mont-tremblant-compare-offers\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Mont-Tremblant<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/montmagny-home-insurance-broker-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Montmagny<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-montreal-online-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Montreal<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/montreal-east-home-insurance-quote-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Montreal East Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/montreal-north-home-insurance-compare-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Montreal-North<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/montreal-west-home-insurance-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Montreal West<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-outremont-quote-in-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Outremont<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-little-italy-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Little Italy Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-pointe-saint-charles-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Pointe-Saint-Charles<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-latin-quarter-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Latin Quarter<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-repentigny-free-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Repentigny<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-rimouski\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Rimouski<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-saguenay\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Saguenay<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/saint-augustin-de-desmaures-home-insurance-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Saint-Augustin-de-Desmaures<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/saint-basile-le-grand-home-insurance-free-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Saint-Basile-le-Grand<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/saint-sauveur-home-insurance-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Saint-Sauveur Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/sainte-therese-home-insurance-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Sainte-Th\u00e9r\u00e8se<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-salaberry-de-valleyfield-free-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Salaberry-de-Valleyfield<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/sherbrooke-home-insurance-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Sherbrooke<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/sorel-tracy-home-insurance-get-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Sorel-Tracy Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/terrebonne-home-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Terrebonne Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-trois-rivieres\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Trois-Rivi\u00e8res<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-tetreaultville-get-a-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance T\u00e9treaultville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-vaudreuil-dorion-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance Vaudreuil-Dorion<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/victoriaville-home-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Victoriaville Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/village-gai-home-insurance-compare-prices-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Village Gai Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/ville-marie-home-insurance-get-your-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Ville-Marie Home Insurance<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/villeray-saint-michel-parc-extension-home-insurance-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance Villeray\u2013Saint-Michel\u2013Parc-Extension<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-by-quebec-city\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance by Quebec city<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-blainville-compare-the-best-quotes-free-of-charge-and-in-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Blainville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-becancour-get-the-best-free-quotes-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in B\u00e9cancour<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-candiac-compare-the-best-quotes-for-free-with-a-broker\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Candiac<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-chateauguay-quotes-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Ch\u00e2teauguay<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-dolbeau-mistassini-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Dolbeau-Mistassini<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-gatineau-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Gatineau<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-granby-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Granby<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-joliette-compare-quickly\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in 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href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-nuns-island-nuns-island-get-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Nuns&#8217; Island<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-parc-extension-quote-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Parc-Extension<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-riviere-des-prairies-pointe-aux-trembles-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Rivi\u00e8re-des-Prairies\u2013Pointe-aux-Trembles<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-rosemont-la-petite-patrie-get-your-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Rosemont\u2013La Petite-Patrie<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-bruno-de-montarville-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Bruno-de-Montarville<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-constant-quick-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Saint-Constant<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-eustache-get-your-quote\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Eustache<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-georges-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Saint-Georges<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-hyacinthe-compare-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Hyacinthe<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-jean-sur-richelieu-get-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Jean-sur-Richelieu<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-jerome-quotes-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-J\u00e9r\u00f4me<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-lambert-compare-your-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Saint-Lambert<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-laurent-compare-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Laurent<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-lin-laurentides-compare-in-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Saint-Lin\u2013Laurentides<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-saint-leonard-compare-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Saint-L\u00e9onard<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-sainte-julie-compare\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Sainte-Julie<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-shawinigan-compare-in-less-than-3-minutes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home insurance in Shawinigan<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-verdun-compare-for-free\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Verdun<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/home-insurance-in-westmount-compare-multiple-quotes\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Home Insurance in Westmount<\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/flood-insurance\/\" style=\"display:block;padding:10px 14px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:6px;color:#0d1f2d;text-decoration:none;font-size:14px;transition:all .2s;\">Quebec Flood Insurance 2026<\/a><\/div>\n<\/section>\n<p><!-- LOCATAIRE-SECTION-START --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are-you-a-tenant-Specific-coverage\"><\/span>Are you a tenant? Specific coverage <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Tenants: Your situation is different from that of a landlord. You don&#8217;t insure the building \u2014 it&#8217;s covered by your landlord \u2014 but you must protect <strong>your personal belongings<\/strong> and especially your <strong>civil liability<\/strong> to the landlord and neighbours. Most leases in Quebec now require <strong>proof of tenant insurance<\/strong>.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 16px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/proof-of-tenant-insurance-in-quebec-2026-how-to-get-it-fast\/\" style=\"display:block;background:#f0fdfa;border:2px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">PROOF IN 24 HOURS<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Proof of tenant insurance<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Does your landlord ask you for proof? Here&#8217;s how to get it quickly. <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">TENANT QUOTE<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Tenant Insurance Quote<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Compare 9 insurers in 3 minutes for your rented property.<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/how-much-does-tenant-insurance-cost-in-quebec-in-2026\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">HOW MUCH DOES IT COST<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Prices of tenant insurance<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Indicative prices by city, factors and possible savings.<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">ROOMMATE<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Shared Apartment Insurance<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">A policy for each roommate or municipality? Who pays in the event of a claim? <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenants-civil-liability-in-quebec-2026-who-pays-what\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">TENANT LIABILITY<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Tenant&#8217;s civil liability<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Water damage, fire: who pays what and how much RC to choose.<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-water-damage-in-quebec-who-pays-what-in-2026\/\" style=\"display:block;background:#fef2f2;border-top:4px solid #ef4444;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#ef4444;font-weight:700;margin-bottom:8px;\">EMERGENCY \/ DISASTER<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Water damage: who pays what?<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Case by case, subrogation, sewer backup.<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/student-tenant-insurance-quebec-2026-parent-coverage-or-own-policy\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">STUDENT<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Student Tenant<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Parents or own police? Property, bike, computer. <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-sublet-and-airbnb-insurance-in-quebec-2026\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">SUBLETTING<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Subletting and Airbnb<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">CITQ, standard exclusions, endorsements to be requested.<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-in-3-minutes\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;text-decoration:none;color:#0d1f2d;\">\n    <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:1.5px;color:#10c4c7;font-weight:700;margin-bottom:8px;\">HOUSING<\/div>\n    <div style=\"font-size:17px;font-weight:700;margin-bottom:6px;\">Home insurance<\/div>\n    <div style=\"font-size:14px;color:#64748b;\">Overview: Tenant or owner of a dwelling.<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\" style=\"margin-top:32px;\">Tenant insurance by city in Quebec<\/h3>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:18px 0 32px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-montreal-2026-prices-by-borough\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Montreal \u2192 tenant<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quebec-city-tenant-insurance-2026-prices-by-area\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Quebec \u2192 tenant<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/laval-tenant-insurance-2026-prices-by-area\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Laval \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/longueuil-tenant-insurance-2026-prices-by-area-south-shore\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Longueuil \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/sherbrooke-tenant-insurance-2026-udes-students-bishops-prices-by-neighborhood\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Sherbrooke \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-gatineau-tenant-insurance-prices-by-area-ottawa-border\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Gatineau \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/trois-rivieres-tenant-insurance-2026-prices-by-area-mauricie\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Trois-Rivi\u00e8res \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-saguenay-tenant-insurance-chicoutimi-jonquiere-la-baie\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant Saguenay \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-levis-2026-prices-by-area-south-shore-quebec\/\" style=\"display:block;padding:14px 16px;background:#f0fdfa;border:1px solid #10c4c7;border-radius:8px;color:#0d1f2d;text-decoration:none;font-weight:600;text-align:center;\">Tenant L\u00e9vis \u2192<\/a>\n<\/div>\n<p><!-- LOCATAIRE-SECTION-END --><\/p>\n<p><!-- MAILLAGE-HUB-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare up to 9 home insurers in Quebec in 2 min. AMF certified brokers, free online quote. Save on your premium today.  <\/p>\n","protected":false},"author":1,"featured_media":20843,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Home Insurance Quebec 2026: Compare 9+ Insurers | Assur360","_seopress_titles_desc":"Home insurance in Quebec 2026: compare several insurers via our AMF-certified partner firms. Savings possible up to $400\/year. Free quote.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Home insurance in Quebec: compare 9 insurers and...","_seopress_social_fb_desc":"Compare the best home insurance offers in Quebec. AMF certified broker. 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