{"id":15699,"date":"2023-01-30T17:26:16","date_gmt":"2023-01-30T22:26:16","guid":{"rendered":"https:\/\/www.assur360.ca\/home-insurance-quote-5\/"},"modified":"2026-04-19T22:42:08","modified_gmt":"2026-04-20T02:42:08","slug":"home-insurance-quote-5-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5-3\/","title":{"rendered":"Tenant Housing Insurance Quebec 2026: 3-minute quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.ez-toc-v2_0_72{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/10\/assur360-logo.png\", \"telephone\": \"+18663574451\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"123 rue Notre-Dame\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 2P7\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": \"Assurance logement locataire Qu\u00e9bec\", \"priceRange\": \"$$\", \"memberOf\": [{\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\"}, {\"@type\": \"Organization\", \"name\": \"Chambre de l'assurance de dommages (ChAD)\"}], \"mainEntityOfPage\": \"https:\/\/www.assur360.ca\/soumission-assurance-logement\/\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Assur360<\/strong>, an <strong>AMF-certified<\/strong> firm, offers Quebec tenants comprehensive home insurance starting at <strong>$15\/month<\/strong>. Our <strong>independent brokers<\/strong> compare 9+ insurers to find the best protection: personal property, liability and living expenses. Online quote in 3 minutes.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">TENANT INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Home-insurance-starting-at-15month\"><\/span>Home insurance starting at $15\/month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Protect your assets and avoid lawsuits: $2 million RC, property + living expenses. Submission 3 minutes. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my quote (3 min)<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$15\/month<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">From<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$2M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Civil liability<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Online Quote<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-does-every-Quebec-tenant-need-to-be-insured\"><\/span>Why does every Quebec tenant need to be insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Since 2024, the majority of Quebec landlords <strong>have contractually required<\/strong> proof of tenant insurance before signing the lease. Even without an obligation, not being insured exposes you to <strong>enormous financial risks<\/strong> : lawsuits of $10,000 to $500,000+ in the event of water damage, fire or injury caused to a third party in your home. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udce6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Personal property<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Furniture, appliances, computers, clothing, jewellery, bicycles: covered against theft, fire, water damage, anywhere in Canada.<\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Civil liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$1 to $2 million in RCA. Protects if you cause water damage to a neighbour, a fire or injury to a guest. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Living expenses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your home becomes uninhabitable (fire, flood), we pay for your hotel, restaurants and additional costs during the repairs.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-essential-protections-of-your-tenant-policy\"><\/span>The 3 essential protections of your tenant policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">All tenant housing insurance is based on these three fundamental pillars, adapted to the Quebec legal framework (art. 1862-1863 Civil Code of Qu\u00e9bec and Bill 25 respecting the protection of personal information):<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udecb\ufe0f Personal property \u2014 replacement cost<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Furniture, electronics, clothing, jewellery, bicycles, instruments: reimbursement at replacement cost according to the limit chosen ($20,000-100,000+).<\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udca7 Water Damage \u2014 Neighbor Below<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Scenario #1 of sinister tenants: forgotten faucet, overflowing dishwasher, defective washer. RC $2 million covers everything. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd25 Fire \u2014 extended liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Even if you are not at fault, a fire starting in your home will be held liable. Civil liability + subrogation of the owner = absolute need for insurance. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udc15 Liability for animals<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Dog bites, cat scratching a guest: covered by your CR. Some breeds or backgrounds may require an additional premium. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcbb Bill 25 \u2014 theft of personal data<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Since 2024, some policies cover the costs associated with data theft (credit card, identity theft). To be validated in the contract. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfc3 Assets outside the dwelling<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Phone stolen from the restaurant, bike stolen from the park, bag stolen from the car: cutlery if declared in the contract.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-tenant-insurance-in-4-steps\"><\/span>How to get your tenant insurance in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Estimate the value of your assets<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Go through each room and add up: furniture, appliances, clothes, electronics, bike. A standard 41\/2 = $20,000-40,000. <\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Fill out the online form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our 3-minute form collects your contact details, address of the accommodation, type of protection you want and liability limit.<\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Comparison 9+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our AMF brokers analyze the 30+ partner companies and identify the 2-4 best offers for your profile.<\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Signature and immediate attestation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Secure payment by card or direct debit. Certificate sent by email in minutes \u2014 present to your landlord. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Take a video inventory<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Before subscribing, <strong style=\"color:#ffffff;\">film each room in your home<\/strong> by opening the drawers and cupboards. Keep the video on the cloud (Google Drive, iCloud). In the event of a claim, this proof drastically speeds up the processing of your claim and avoids costly oversights.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-rates-for-tenant-housing-insurance-in-Quebec\"><\/span>2026 rates for tenant housing insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Type of dwelling<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Property (replacement value)<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">RC<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Monthly premium<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Studio \/ 21\/2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$15,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1M<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$14 \u2013 $19<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">31\/2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$20,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1M$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">17 \u2013 $22<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">41\/2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$30,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">million$22 \u2013 $29<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">51\/2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$40,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2M$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">27 \u2013 $35<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">61\/2 or duplex rented<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2 million$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">32 \u2013 $42<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Loft \/ large condo rented<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$60,000+<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2 million$<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">38 \u2013 $50<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates Montreal\/Quebec City 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Exact price according to your profile in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">IMMEDIATE PROTECTION<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Does your lease require proof of insurance?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Get your certificate in less than 24 hours. Monthly payment, with no hidden fees. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call 1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Risks without tenant insurance<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Without a tenant policy, you are <strong>100% responsible for<\/strong> damage caused to others: water damage to the neighbour downstairs ($10,000-30,000), fire from your home (<strong>subrogation lawsuit against the landlord up to $500,000+<\/strong>), injury to a guest. A premium of $22\/month is infinitely better than a lawsuit. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Service-anywhere-in-Quebec-%E2%80%94-tenant-insurance\"><\/span>Service anywhere in Quebec \u2014 tenant insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 serves tenants throughout Quebec: <strong>Montreal<\/strong> (Plateau, Villeray, Rosemont, Ville-Marie), <strong>Quebec City<\/strong> (Saint-Roch, Limoilou, Sainte-Foy), <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Thetford Mines<\/strong>. Our brokers are familiar with the specific requirements of large Quebec property owners (Urban Investments, SHQ, housing cooperatives). <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Homeowner insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">If you are buying a house or condo.<\/p>\n  <\/a><a href=\"\/assurance-copropriete\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Condominium insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specific protection for condo owners.<\/p>\n  <\/a><a href=\"https:\/\/www.assur360.ca\/en\/cottage-insurance-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Cottage insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Rented or owned second home.<\/p>\n  <\/a><a href=\"\/assurance-habitation-sous-standard\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Substandard Home Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Solutions if refused elsewhere.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-tenant-housing-insurance\"><\/span>Frequently asked questions \u2014 tenant housing insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is home insurance mandatory for tenants in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Legally <strong>no<\/strong>, but <strong>very strongly recommended<\/strong>. Since 2024, the majority of landlords have <strong>contractually required<\/strong> this in the R\u00e9gie du logement lease. Without insurance, you are 100% responsible for the damage caused (water damage to the neighbour downstairs, fire, etc.) \u2014 possible lawsuit of $10,000 to $500,000+.  <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does tenant housing insurance cost in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>In 2026, rates range from <strong>$15 to $35\/month<\/strong> ($180 \u2013 $420\/year) depending on the value of your property, the region, your claims history and the liability limit you choose ($1 to $2 million). A <strong>standard furnished 41\/2<\/strong> in Montreal costs an average of <strong>$22\/month<\/strong>. <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What exactly does tenant insurance cover?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Three main types of protection: <strong>1) Your personal belongings<\/strong> (furniture, electronics, clothing) against theft, fire, water damage. <strong>2) Civil liability<\/strong> ($1-2 million): damage caused to others. <strong>3) Additional living expenses<\/strong> : if your accommodation becomes uninhabitable, we pay for your hotel and meals.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">My landlord has insurance \u2014 am I covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p><strong>No.<\/strong> Homeowner&#8217;s insurance covers <strong>the building<\/strong> (structure, roof, foundation), not <strong>your belongings<\/strong> or <strong>liability<\/strong>. If you cause a fire, their insurer <strong>will sue<\/strong> you in subrogation to recover the costs (up to $500,000+). <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if I cause water damage to the neighbour downstairs?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Without tenant insurance, <strong>you pay out of pocket<\/strong>. An average water damage costs $10,000-30,000 (floor, ceiling, appliances, neighbour&#8217;s furniture). With a tenant policy, your <strong>liability<\/strong> ($1-2 million) covers the entirety + legal fees.  <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need to take inventory to subscribe?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Yes, it is strongly recommended. Estimate the <strong>replacement cost<\/strong> of all your belongings (furniture, electronics, clothing, bicycles, jewellery). A standard 41\/2 holds about <strong>$20,000 \u2013 $40,000 worth of goods<\/strong>. Think of <strong>valuables<\/strong> (computer, jewelry, cameras) that may require a special limit.   <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does tenant insurance cover bike or phone theft outside?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Yes. <strong>Personal property<\/strong> coverage follows the tenant <strong>across Canada<\/strong> (and often internationally during travel). Bike stolen from the park, phone lost in a restaurant, purse stolen from the car: covered according to deductible (usually $500). <\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How to get a home insurance quote quickly?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Fill out our <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">online tenant form (3 minutes)<\/a> or call us at <strong>1-866-357-4451<\/strong>. Our AMF brokers compare 9+ insurers and offer you the best policy on the same day. Attestation by email in less than 24 hours.  <\/p><\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"L'assurance logement est-elle obligatoire pour les locataires au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>L\u00e9galement <strong>non, mais <\/strong><strong>tr\u00e8s fortement recommand\u00e9e. Depuis 2024, la majorit\u00e9 des propri\u00e9taires (bailleurs) l'<\/strong><strong>exigent contractuellement dans le bail R\u00e9gie du logement. Sans assurance, vous \u00eates 100 % responsable des d\u00e9g\u00e2ts caus\u00e9s (d\u00e9g\u00e2t d'eau au voisin du dessous, incendie, etc.) \u2014 poursuite possible de 10 000 $ \u00e0 500 000 $+.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance logement locataire au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>En 2026, les tarifs varient de <strong>15 $ \u00e0 35 $\/mois (180 $ \u2013 420 $\/ann\u00e9e) selon la valeur de vos biens, la r\u00e9gion, votre historique de sinistres et la limite de responsabilit\u00e9 civile choisie (1 \u00e0 2 M$). Un <\/strong><strong>4\u00bd meubl\u00e9 standard \u00e0 Montr\u00e9al co\u00fbte en moyenne <\/strong><strong>22 $\/mois.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce que couvre exactement l'assurance locataire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Trois protections principales : <strong>1) Vos biens personnels (meubles, \u00e9lectroniques, v\u00eatements) contre vol, incendie, d\u00e9g\u00e2t d'eau. <\/strong><strong>2) Responsabilit\u00e9 civile (1-2 M$) : dommages caus\u00e9s \u00e0 autrui. <\/strong><strong>3) Frais additionnels de subsistance : si votre logement devient inhabitable, on paie votre h\u00f4tel et repas.\"}}, {\"@type\": \"Question\", \"name\": \"Mon propri\u00e9taire a une assurance \u2014 suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p><strong>Non. L'assurance du propri\u00e9taire couvre <\/strong><strong>le b\u00e2timent (structure, toit, fondations), pas <\/strong><strong>vos biens ni <\/strong><strong>votre responsabilit\u00e9 civile. Si vous causez un incendie, son assureur vous <\/strong><strong>poursuivra en subrogation pour r\u00e9cup\u00e9rer les co\u00fbts (jusqu'\u00e0 500 000 $+).\"}}, {\"@type\": \"Question\", \"name\": \"Qu'arrive-t-il si je cause un d\u00e9g\u00e2t d'eau au voisin du dessous ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Sans assurance locataire, <strong>vous payez de votre poche. Un d\u00e9g\u00e2t d'eau moyen co\u00fbte 10 000-30 000 $ (plancher, plafond, \u00e9lectrom\u00e9nagers, meubles du voisin). Avec une police locataire, votre <\/strong><strong>responsabilit\u00e9 civile (1-2 M$) prend en charge l'int\u00e9gralit\u00e9 + frais juridiques.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je faire un inventaire pour souscrire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Oui, c'est fortement conseill\u00e9. Estimez la <strong>valeur \u00e0 neuf de tous vos biens (meubles, \u00e9lectroniques, v\u00eatements, v\u00e9lo, bijoux). Un 4\u00bd standard contient environ <\/strong><strong>20 000 $ \u2013 40 000 $ de biens. Pensez aux <\/strong><strong>objets de valeur (ordinateur, bijoux, appareils photo) qui peuvent n\u00e9cessiter une limite sp\u00e9ciale.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance locataire couvre-t-elle le vol de v\u00e9lo ou de t\u00e9l\u00e9phone \u00e0 l'ext\u00e9rieur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Oui. La protection <strong>\u00ab biens personnels \u00bb suit le locataire <\/strong><strong>partout au Canada (et souvent \u00e0 l'international pendant les voyages). V\u00e9lo vol\u00e9 au parc, t\u00e9l\u00e9phone perdu en restaurant, sacoche vol\u00e9e dans l'auto : couverts selon franchise (g\u00e9n\u00e9ralement 500 $).\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission assurance logement rapidement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Remplissez notre <a href=\\\"\/soumission-assurance-locataire\/\\\">formulaire locataire en ligne (3 minutes) ou appelez-nous au <strong>1-866-357-4451. Nos courtiers AMF comparent 9+ assureurs et vous proposent la meilleure police d\u00e8s le m\u00eame jour. Attestation par courriel en moins de 24 h.\"}}]}<!-- wpml:html_fragment <\/strong><\/a><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/script>  -->\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+<\/strong> insurers compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Service anywhere in <strong>Quebec<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get your home insurance in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free Assur360 quote. Attestation by email in less than 24 hours. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Request my tenant<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call 1-866-357-4451<\/a>  \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance habitation\", \"item\": \"https:\/\/www.assur360.ca\/produit\/assurance-habitation\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance logement locataire Qu\u00e9bec\", \"item\": \"https:\/\/www.assur360.ca\/soumission-assurance-logement\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Tenant insurance starting at $15\/month in Quebec 2026. 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