{"id":15775,"date":"2018-04-17T15:59:39","date_gmt":"2018-04-17T19:59:39","guid":{"rendered":"https:\/\/www.assur360.ca\/home-insurance-quote-in-3-minutes\/"},"modified":"2026-04-20T15:16:06","modified_gmt":"2026-04-20T19:16:06","slug":"home-insurance-quote-in-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/home-insurance-quote-in-3-minutes\/","title":{"rendered":"Home insurance in Quebec: Compare and protect your home"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-log *{margin:0;padding:0;box-sizing:border-box}\n.a360-log{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-log h2,.a360-log h3,.a360-log h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-log a{color:#10c4c7;text-decoration:none}\n.a360-log a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-log .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 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p{font-size:16px;color:#475569;line-height:1.8}\n\n@media(max-width:768px){\n  .a360-log .hero-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-log .hero-mascot img{width:160px}\n  .a360-log .hero-btns{justify-content:center}\n  .a360-log .img-section{flex-direction:column}\n  .a360-log .img-section img{width:100%}\n  .a360-log .cards-grid{grid-template-columns:1fr}\n  .a360-log .dark-cards{grid-template-columns:repeat(2,1fr)}\n  .a360-log .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-log .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-log table{font-size:13px}\n  .a360-log th,.a360-log td{padding:8px 10px}\n}\n<\/style>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\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-logement-locataire.jpg\" alt=\"Quebec housing \u2014 Assur360 home insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Housing-insurance-tenant\"><\/span>Housing insurance (tenant)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Housing insurance (tenant)<\/strong> is essential even if not mandatory in Quebec. It protects your furniture, electronics, clothes + your RC in the event of damage to the neighbor&#8217;s home. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Cost:<\/strong> typically <strong>$180-450\/year<\/strong> for standard coverage $30,000 property + $1-2M RC. Many landlords REQUIRE this in the lease \u2014 check your clause. <\/p>\n  <\/div>\n<\/div>\n\n<div class=\"a360-log\">\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\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Home Insurance Broker\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">Tenants and roomers<\/div>\n    <h2><span class=\"ez-toc-section\" id=\"Home-insurance-in-Quebec\"><\/span>Home insurance <span>in Quebec<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Protect your belongings at the best price. Compare the offers of several insurers with AMF-certified brokers, 100% independent. <\/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\/2025\/03\/comparateur-assurance-entreprise-pas-cher-en-ligne.png\" alt=\"Tenant housing insurance comparator Quebec\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Your-home-deserves-tailor-made-protection\"><\/span>Your home deserves tailor-made protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Home <strong>insurance<\/strong> protects your personal belongings, liability and living expenses in the event of a loss. Whether you&#8217;re renting an apartment in Montreal, co-owning a condo in Quebec City, or rooming in Sherbrooke, the right coverage can help you avoid major financial losses. <\/p>\n    <p><strong>At Assur360, you have the best of both worlds:<\/strong> start your quote online and be advised by an experienced broker.<\/p>\n  <\/div>\n<\/div>\n\n<!-- ETAPES -->\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>Fill out the form<\/h4>\n      <p>Describe your home and belongings in minutes<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Automatic comparison<\/h4>\n      <p>We compare offers from several insurers for you<\/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 money<\/h4>\n      <p>Choose the ideal cover at the best price<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- QU'EST-CE QUE L'ASSURANCE LOGEMENT -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-is-home-insurance-in-Quebec\"><\/span>What is home insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Home insurance is a damage insurance contract that covers your <strong>personal property<\/strong> (furniture, clothing, appliances, electronics), <strong>civil liability<\/strong> and <strong>additional living expenses<\/strong> if you have to temporarily leave your home after a disaster.<\/p>\n  <p>Contrary to what many people think, the building owner&#8217;s insurance does <strong>not<\/strong> protect your personal belongings. The lease of a rental unit covers the structure of the building, but it is up to you to protect what belongs to you. Depending on the industry, <strong>30-50% of renters underestimate the total value of their belongings<\/strong> \u2014 a full inventory often reveals an amount between $25,000 and $75,000.  <\/p>\n  <p>In Quebec, home insurance is governed by the <strong>Insurance Act<\/strong> (R.S.Q., c. A-32) and supervised by the AMF. To learn more about the differences between the types of home coverage, visit our <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> page. <\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Did you know?<\/strong>  One in three tenants in Quebec does not have home insurance. Yet, $2,000,000 in basic liability coverage often costs less than $15 per month. At Assur360, our brokers compare offers from several insurers to find you the best price, without compromising on protection. \n  <\/div>\n<\/div>\n\n<!-- GARANTIES ESSENTIELLES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Essential-guarantees-of-home-insurance\"><\/span>Essential guarantees of home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>A good home insurance policy includes several types of coverage. Here are the guarantees that our brokers systematically recommend to their Quebec clients. <\/p>\n\n  <div class=\"cards-grid\">\n    <div class=\"card\">\n      <h4>Third Party Liability \u2014 $2,000,000<\/h4>\n      <p>Protects you if you accidentally cause damage to others or the owner&#8217;s property. Water damage in your home that affects the neighbor downstairs? Your RC covers the costs. A minimum of $2 million is recommended in Quebec.   <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Water damage<\/h4>\n      <p>Water-related claims are the number one cause of claims in Quebec. The water damage endorsement protects against sewer backup, roof infiltration and broken pipes. Check to see if your policy includes <strong>surface water<\/strong> coverage.  <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Theft and vandalism<\/h4>\n      <p>Your insurance covers the replacement of your stolen or damaged belongings during a burglary, whether at home or outside (bike, laptop, etc.). Keep your invoices and photos to make your claims easier. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Replacement cost<\/h4>\n      <p>With the replacement cost endorsement, your insurer replaces your damaged property with comparable new items, without depreciation. Without this endorsement, your 3-year-old TV will be reimbursed at its depreciated value \u2014 a fraction of the replacement cost. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Loss of use and living expenses<\/h4>\n      <p>If your home becomes uninhabitable after a covered loss (fire, major water damage), your insurer will reimburse the costs of temporary accommodation, meals and travel. This guarantee can represent up to 20% of the amount of coverage for your property. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Equipment breakdown<\/h4>\n      <p>Protects your electronics and appliances from electrical surges, short circuits, and accidental mechanical breakdowns. Especially useful if you have a work computer, game console, or valuable connected devices. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- TYPES DE LOGEMENTS COUVERTS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Types-of-housing-covered\"><\/span>Types of housing covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Home insurance is suitable for all types of housing in Quebec. Whatever your situation, a broker can find you tailored protection. <\/p>\n\n  <div class=\"dark-cards\">\n    <div class=\"dark-card\">\n      <h4>Apartment<\/h4>\n      <p>Classic rental accommodation in an apartment building. The most common coverage in Quebec. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Condo<\/h4>\n      <p>Divided co-ownership. Your policy complements the syndicate&#8217;s policy for your improvements and property. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Townhouse<\/h4>\n      <p>Townhouse with party walls. Tenant or homeowner coverage depending on your situation. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Plex (duplex, triplex)<\/h4>\n      <p>Income properties with 2 to 5 units. Tenants must insure themselves individually. <\/p>\n    <\/div>\n  <\/div>\n  <div class=\"dark-cards\">\n    <div class=\"dark-card\">\n      <h4>Basement \/ semi-basement<\/h4>\n      <p>Basement housing more exposed to water damage. The flood endorsement is strongly recommended. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Flatshare<\/h4>\n      <p>Each roommate benefits from having their own policy. A single policy does not automatically cover all occupants. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Student residence<\/h4>\n      <p>Students away from home need their own coverage. Low-cost policies exist for this clientele. <\/p>\n    <\/div>\n    <div class=\"dark-card\">\n      <h4>Furnished room<\/h4>\n      <p>Renting a room in a residence. Civil liability is essential to cover potential damage to the homeowner. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- COMBIEN CA COUTE -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-much-does-home-insurance-cost-in-Quebec\"><\/span>How much does home insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The cost of home insurance varies depending on the city, the value of your belongings and the coverage chosen. Here are <strong>the monthly price ranges<\/strong> observed in Quebec in 2026 for a tenant with no claim history. <\/p>\n\n  <table>\n    <thead>\n      <tr>\n        <th>City<\/th>\n        <th>$15,000 property<\/th>\n        <th>$25,000 property<\/th>\n        <th>$35,000 property<\/th>\n        <th>$50,000 property<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td style=\"font-weight:600\">Montreal<\/td><td>$15 \u2013 $22<\/td>$<td>19 \u2013 $27<\/td><td>$23 \u2013 $32<\/td>$<td>28 \u2013 $38<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Quebec<\/td><td>$12 \u2013 $18<\/td>$<td>16 \u2013 $23<\/td>$<td>20 \u2013 $28<\/td>$<td>24 \u2013 $33<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Laval<\/td><td>$14 \u2013 $20<\/td><td>$18 \u2013 $25<\/td>$<td>22 \u2013 $30<\/td>$<td>26 \u2013 $35<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Sherbrooke<\/td><td>$11 \u2013 $17<\/td>$<td>15 \u2013 $22<\/td>$<td>19 \u2013 $27<\/td>$<td>23 \u2013 $32<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Gatineau<\/td><td>$13 \u2013 $19<\/td><td>$17 \u2013 $24<\/td>$<td>21 \u2013 $29<\/td>$<td>25 \u2013 $34<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Saguenay<\/td><td>$10 \u2013 $16<\/td>$<td>14 \u2013 $21<\/td>$<td>18 \u2013 $26<\/td>$<td>22 \u2013 $31<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Trois-Rivi\u00e8res<\/td><td>$11 \u2013 $16<\/td>$<td>14 \u2013 $21<\/td>$<td>18 \u2013 $26<\/td>$<td>22 \u2013 $30<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n  <p style=\"font-size:14px;color:#64748b\">* Indicative rates for a tenant with a $2 million RC, $500 deductible and no claim history. Prices vary depending on the insurer, the floor, the age of the building and the optional coverage. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Get your personalized quote<\/a> for an exact price. <\/p>\n<\/div>\n\n<!-- FACTEURS QUI INFLUENCENT LE PRIX -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Factors-that-influence-the-price-of-your-home-insurance\"><\/span>Factors that influence the price of your home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>There are several factors that determine the premium you will pay. Understanding these factors helps you negotiate better and get the best price possible. <\/p>\n  <ul>\n    <li><strong>Value of the insured property<\/strong> \u2014 The higher the amount of coverage, the higher the premium. Make a realistic inventory. <\/li>\n    <li><strong>Geographic location<\/strong> \u2014 Large cities like Montreal have higher premiums due to crime rates and density.<\/li>\n    <li><strong>Floor of the dwelling<\/strong> \u2014 A ground floor or basement is more expensive to insure due to the increased risk of water damage and theft.<\/li>\n    <li><strong>Age and condition of the building<\/strong> \u2014 Older buildings with outdated plumbing or electrical conditions are at increased risk.<\/li>\n    <li><strong>Claims history<\/strong> \u2014 Previous claims in the last 5 years can increase your premium.<\/li>\n    <li><strong>Deductible amount<\/strong> \u2014 A higher deductible ($1,000 instead of $500) reduces your monthly premium.<\/li>\n    <li><strong>Security systems<\/strong> \u2014 Alarms, reinforced locks and connected smoke detectors can be eligible for discounts.<\/li>\n    <li><strong>Proximity to a fire station<\/strong> \u2014 Being located less than 8 km from a fire station can have a positive impact on your rate.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- ASTUCES POUR ECONOMISER -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Tips-for-saving-on-your-home-insurance\"><\/span>Tips for saving on your home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>There are several concrete strategies to reduce your premium without sacrificing your coverage. Our brokers recommend these proven approaches. <\/p>\n\n  <div class=\"cards-grid\">\n    <div class=\"card\">\n      <h4>Install an alarm system<\/h4>\n      <p>A certified alarm system connected to a central station can save you 5% to 15% on your annual premium. Mention this to your broker. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Increase your deductible<\/h4>\n      <p>Going from a $500 deductible to $1,000 can reduce your premium by 10% to 20%. Make sure you have this amount in reserve in case of a claim. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Smoke and water detectors<\/h4>\n      <p>Functional smoke detectors and a water leak detector reduce the risk of a major disaster. Some insurers offer discounts for this equipment. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Preventive measures<\/h4>\n      <p>Maintain the plumbing, turn off the water before the holidays and clear the snow from the accesses. A good prevention record inspires confidence in insurers. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Discounts 55 years and over<\/h4>\n      <p>Several Quebec insurers offer discounts to policyholders aged 55 and over, recognizing their favourable risk profile and residential stability.<\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Group your fonts<\/h4>\n      <p>Combining your home insurance with your car insurance with the same insurer can generate a multi-policy discount of 5% to 15% on each premium.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- LOCATAIRE, PROPRIETAIRE OU COPROPRIETAIRE -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Tenant-owner-or-co-owner-what-coverage\"><\/span>Tenant, owner or co-owner: what coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The type of coverage you need depends directly on your occupancy status. Here are the main differences. <\/p>\n\n  <div class=\"cards-grid\">\n    <div class=\"card\">\n      <h4>Tenant<\/h4>\n      <p>Your policy covers your <strong>personal property<\/strong>, <strong>liability<\/strong> and <strong>living expenses<\/strong>. The building is insured by the owner. This is the most affordable coverage, often starting at $9 to $15 per month for basic protection.  <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Owner-occupier<\/h4>\n      <p>You must insure both the <strong>building<\/strong> (structure, roof, foundation) and your <strong>personal belongings<\/strong>. The premium is higher, but the coverage is comprehensive. See our <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> page for more details.  <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Co-owner (condo)<\/h4>\n      <p>Your policy complements the <strong>syndicate of co-ownership&#8217;s<\/strong> insurance. It covers your leasehold improvements (countertops, floors), your belongings and your share of the syndicate&#8217;s deductible. See our <a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">condo insurance<\/a> page.  <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- 1ER JUILLET -->\n<div class=\"section\">\n  <div class=\"highlight-box\">\n    <strong>July 1st in Quebec: Don&#8217;t forget your home insurance<\/strong><br \/><br \/>  July 1 is National Moving Day in Quebec. Every year, hundreds of thousands of households change homes. This is also the time when the risk of loss increases considerably \u2014 broken objects, water damage related to the connection of appliances, theft during transport. <br \/><br \/>  Here&#8217;s what you need to do to protect your assets during this transition:<br \/><br \/>  \u2022 <strong>Notify your insurer<\/strong> at least 30 days before the move to transfer your coverage to the new address<br \/> \u2022 <strong>Check coverage during transit<\/strong> \u2014 your belongings are usually protected between the two addresses on moving day<br \/> \u2022 <strong>Update the value of your belongings<\/strong> if you have acquired furniture or appliances since your last appraisal<br \/> \u2022 <strong>Photograph your belongings<\/strong> before packing as proof in case of a claim<br \/> \u2022 <strong>Never go without coverage<\/strong> \u2014 even a day without insurance can be catastrophic in the event of fire or theft\n  <\/div>\n<\/div>\n\n<!-- EXCLUSIONS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"What-home-insurance-doesnt-cover\"><\/span>What home insurance doesn&#8217;t cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>No insurance policy covers absolutely everything. Here are the <strong>common exclusions<\/strong> to be aware of to avoid unpleasant surprises during a claim. <\/p>\n\n  <table>\n    <thead>\n      <tr>\n        <th>Exclusion<\/th>\n        <th>Details<\/th>\n        <th>Possible solution<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr><td style=\"font-weight:600\">Earthquake<\/td><td>Basic Excluded on all residential policies in Quebec<\/td><td>Earthquake Rider available with select insurers<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Spring<\/td><td>flooding and overflowing of watercourses are not covered<\/td> Government <td>financial assistance program<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Normal wear and tear<\/td><td>Gradual deterioration, mold due to lack of maintenance<\/td><td>Regular preventive maintenance<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Intentional damage<\/td><td>Damage that you intentionally cause to your own home<\/td><td>None \u2014 absolute exclusion<\/td><\/tr>\n      <tr>Motor <td style=\"font-weight:600\">vehicles<\/td><td>Auto, motorcycle, ATV parked in the dwelling are not covered<\/td><td>Separate car or recreational vehicle insurance policy<\/td><\/tr>\n      <tr><td style=\"font-weight:600\">Some<\/td><td>unusual pets may be excluded from the RC<\/td><td>Check with your broker depending on the breed or species<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n  <p>For homes in special situations (loss history, old building, flood zone), see our page on <a href=\"https:\/\/www.assur360.ca\/assurance-habitation-sous-standard\/\">substandard home insurance<\/a>.<\/p>\n<\/div>\n\n<!-- DROITS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Your-home-insurance-rights-in-Quebec\"><\/span>Your home insurance rights in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>In Quebec, the insurance industry is rigorously regulated to protect consumers. Here are your main rights: <\/p>\n  <p>The <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong> supervises all insurers and brokers operating in Qu\u00e9bec. Each broker must hold a valid licence and comply with the <strong>Code of Ethics of Damage Insurance Representatives<\/strong>. The <strong>Chambre de l&#8217;assurance de dommages (ChAD)<\/strong> ensures the continuing education and ethics of professionals.  <\/p>\n  <p>In the event of a dispute with your insurer, you have free recourse: the <strong>AMF Information Centre<\/strong> (1-877-525-0337), the complaint process with the insurer, and mediation or arbitration. You also have the right to cancel your contract at any time upon written notice, and the insurer must refund you the unused portion of your premium. <\/p>\n<\/div>\n\n<!-- COMMENT FAIRE UNE RECLAMATION -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-do-I-make-a-complaint\"><\/span>How do I make a complaint?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Follow these steps to maximize your chances of getting a quick and fair settlement.<\/p>\n  <ol>\n    <li><strong>Stay safe<\/strong> \u2014 In the event of a fire or major disaster, leave the area and contact emergency services (911) before taking any further action.<\/li>\n    <li><strong>Contact your insurer quickly<\/strong> \u2014 Call your broker or your insurer&#8217;s claim line within 24 hours of the loss. Most offer 24\/7 service. <\/li>\n    <li><strong>Document the damage<\/strong> \u2014 Take photos and videos of the damage before cleaning up or throwing anything away. Keep damaged items for the adjuster. <\/li>\n    <li><strong>Protect your property<\/strong> \u2014 Take reasonable steps to limit further damage (tarp on the roof, water closure). These emergency costs are usually reimbursed. <\/li>\n    <li><strong>Work with the adjuster<\/strong> \u2014 A claims adjuster will assess the damage and determine the amount of the settlement. You have the right to hire your own public expert if you are not satisfied with the assessment. <\/li>\n  <\/ol>\n<\/div>\n\n<!-- POURQUOI UN COMPARATEUR -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Why-use-a-home-insurance-comparator\"><\/span>Why use a home insurance comparator?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Prices vary considerably from one insurer to another for equivalent coverage. An insurance broker acts in <strong>your best interest<\/strong>, not the insurer&#8217;s. By using Assur360, you can access rates from several companies such as Intact, Aviva, L&#8217;Unique, Economical and Promutuel \u2014 all with a single form. Our brokers are certified by the AMF and members of the ChAD.   <\/p>\n  <p>The advantage of a comparison tool is simple: you save time, you get quotes tailored to your profile and you can easily identify the best offer without spending hours on the phone with each insurer individually.<\/p>\n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <h3>Why trust Assur360?<\/h3>\n  <ul>\n    <li>Brokers certified by the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/li>\n    <li>Members of the Chambre de l&#8217;assurance de dommages (ChAD)<\/li>\n    <li>100% independent \u2014 we work for you, not for an insurer<\/li>\n    <li>Access to the rates of several major insurers in Quebec<\/li>\n    <li>Free, non-binding and confidential service<\/li>\n    <li>More than 100,000 submissions compared<\/li>\n  <\/ul>\n<\/div>\n\n<!-- SECTION GEO -->\n<div class=\"geo-section\">\n  <h3>Home insurance throughout Quebec<\/h3>\n  <p>Our brokers serve tenants and roomers in all regions of Quebec, including <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Saguenay<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Longueuil<\/strong>. Whether you live in the city centre or in the region, we find the best home insurance adapted to your situation and your budget. <\/p>\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\"><\/span>Frequently asked questions \u2014 Home insurance<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. However, more and more landlords are requiring it in the lease. Even without contractual obligations, it is highly recommended: a fire or major water damage can result in losses of tens of thousands of dollars. <strong>Liability<\/strong> alone justifies the cost of a policy, often starting at as little as $9 per month.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>How much does home insurance cost per month?<\/summary>\n    <p>Home insurance costs between <strong>$9 and $35 per month<\/strong> in Quebec, depending on the city, the value of the insured property, the coverage chosen and your profile. A tenant in Saguenay with $15,000 in property will pay around $10 to $16 per month, while a tenant in Montreal with $50,000 in property will pay $28 to $38 per month. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Get your personalized quote<\/a> for an exact price. <\/p>\n  <\/details>\n\n  <details>\n    <summary>What is the difference between home insurance and home insurance?<\/summary>\n    <p>Home insurance generally refers to coverage for a <strong>tenant<\/strong> (personal property and liability), while <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> is a broader term that also includes building coverage for homeowners. A tenant needs home insurance; A homeowner needs comprehensive home insurance that covers the structure in addition to their personal belongings. <\/p>\n  <\/details>\n\n  <details>\n    <summary>Is water damage covered by home insurance?<\/summary>\n    <p>Water damage caused by a <strong>burst pipe<\/strong> or <strong>sewer backup<\/strong> is usually covered if you have the appropriate endorsement. However, flooding caused by overflowing watercourses or spring flooding is typically excluded. Check with your broker to make sure your policy includes coverage for overland water and sewer backup \u2014 these endorsements are essential in Quebec.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>What should I do with my home insurance when I move on 1 July?<\/summary>\n    <p>Contact your insurer <strong>at least 30 days before<\/strong> your move to transfer your coverage to the new address. Your belongings are usually protected during transport on moving day. Never cancel your policy until you have a new one in force \u2014 even a day without coverage can be catastrophic.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How does shared housing insurance work?<\/summary>\n    <p>In a shared apartment, each roommate should ideally have <strong>their own<\/strong> home insurance policy. A single policy in the name of a roommate does not automatically protect the belongings of other occupants. Some insurers offer joint policies for roommates, but the recommended practice is to have individual policies to avoid complications when making a claim.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Can my landlord require housing insurance in the lease?<\/summary>\n    <p>Yes, a landlord can include a clause in the lease requiring the tenant to have <strong>liability insurance<\/strong>. This practice is becoming more and more common in Quebec and is perfectly legal. Even if your lease does not require it, <strong>$2,000,000<\/strong> home insurance with liability insurance is highly recommended.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How to compare home insurance in Quebec?<\/summary>\n    <p>The best way to compare is to go through an <strong>AMF-certified insurance broker<\/strong> who has access to several insurers. With <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Assur360<\/a>, you can receive multiple personalized quotes on a single form. Compare premiums, but also the deductibles, exclusions, coverage limits and endorsements included.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does home insurance cover the theft of my bike or objects left outside?<\/summary>\n    <p>Yes, most policies cover theft of property outside the unit, including a bike locked on the balcony or in the parking lot. However, <strong>limits often apply<\/strong> \u2014for example, a maximum of $1,000 to $2,000 for outdoor property. Keep the purchase invoice and a photo of your bike.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my home insurance protect me in the event of a fire?<\/summary>\n    <p>Yes, fire is one <strong>of the basic risks<\/strong> covered by any home insurance policy in Quebec. Your insurer will reimburse the value of your destroyed belongings (new if you have the replacement cost endorsement) and cover your temporary living expenses if the unit becomes uninhabitable. Make sure you have <strong>working smoke alarms<\/strong> \u2014 it&#8217;s required by law.  <\/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>Our AMF-certified brokers compare several insurers to find you the best home coverage. Comprehensive protection starting at $9\/month. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-log -->\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance habitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance logement\",\"item\":\"https:\/\/www.assur360.ca\/assurance-logement\/\"}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Quebec, Canada\"},\n  \"description\": \"Comparateur d'assurance logement au Quebec. Comparez plusieurs assureurs avec des courtiers certifies AMF.\",\n  \"priceRange\": \"$\",\n  \"address\": {\"@type\":\"PostalAddress\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"}\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"L'assurance logement est-elle obligatoire au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance logement n'est pas legalement obligatoire au Quebec. Toutefois, de plus en plus de proprietaires l'exigent dans le bail. Meme sans obligation contractuelle, elle est fortement recommandee : un incendie ou un degat d'eau majeur peut entrainer des pertes de dizaines de milliers de dollars.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien coute l'assurance logement par mois ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance logement coute entre 9 $ et 35 $ par mois au Quebec, selon la ville, la valeur des biens assures, les garanties choisies et votre profil. Un locataire a Saguenay avec 15 000 $ de biens paiera environ 10 $ a 16 $ par mois, tandis qu'un locataire a Montreal avec 50 000 $ de biens paiera plutot 28 $ a 38 $ par mois.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle est la difference entre assurance logement et assurance habitation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance logement designe generalement la couverture pour un locataire (biens meubles et RC), tandis que l'assurance habitation est un terme plus large qui inclut aussi la couverture du batiment pour les proprietaires.\"}},\n    {\"@type\":\"Question\",\"name\":\"Les degats d'eau sont-ils couverts par l'assurance logement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les degats d'eau causes par un bris de tuyau ou un refoulement d'egout sont generalement couverts si vous avez l'avenant approprie. Cependant, les inondations causees par le debordement d'un cours d'eau ou les crues printanieres sont typiquement exclues.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que faire avec mon assurance logement lors d'un demenagement le 1er juillet ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contactez votre assureur au moins 30 jours avant votre demenagement pour transferer votre couverture a la nouvelle adresse. Vos biens sont generalement proteges pendant le transport le jour du demenagement. Ne resiliez jamais votre police avant d'en avoir une nouvelle en vigueur.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment fonctionne l'assurance logement en colocation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En colocation, chaque colocataire devrait idealement avoir sa propre police d'assurance logement. Une seule police au nom d'un colocataire ne protege pas automatiquement les biens des autres occupants.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon proprietaire peut-il exiger une assurance logement dans le bail ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, un proprietaire peut inclure une clause dans le bail exigeant que le locataire detienne une assurance responsabilite civile. Cette pratique est de plus en plus courante au Quebec et est parfaitement legale.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment comparer les assurances logement au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La meilleure facon de comparer est de passer par un courtier d'assurance certifie AMF qui a acces a plusieurs assureurs. Avec Assur360, un seul formulaire vous permet de recevoir plusieurs soumissions personnalisees.\"}},\n    {\"@type\":\"Question\",\"name\":\"L'assurance logement couvre-t-elle le vol de mon velo ou d'objets laisses a l'exterieur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des polices couvrent le vol de biens a l'exterieur du logement, incluant un velo verrouille sur le balcon ou dans le stationnement. Cependant, des limites s'appliquent souvent, par exemple un maximum de 1 000 $ a 2 000 $ pour les biens a l'exterieur.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon assurance logement me protege-t-elle en cas d'incendie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, l'incendie est l'un des risques de base couverts par toute police d'assurance logement au Quebec. 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