{"id":16144,"date":"2024-12-10T14:02:12","date_gmt":"2024-12-10T19:02:12","guid":{"rendered":"https:\/\/www.assur360.ca\/home-and-auto-insurance-broker-2\/"},"modified":"2026-09-02T12:39:38","modified_gmt":"2026-09-02T16:39:38","slug":"home-and-auto-insurance-broker-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/home-and-auto-insurance-broker-2\/","title":{"rendered":"Home and Auto Insurance Broker"},"content":{"rendered":"<style>#ez-toc-container{display:none!important}<\/style>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"@id\":\"https:\/\/www.assur360.ca\/#organization\",\"name\":\"Assur360\",\"alternateName\":\"Assur360 tek inc.\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"description\":\"Comparateur d'assurance op\u00e9r\u00e9 par le cabinet Assur360 tek inc. certifi\u00e9 AMF. Mise en relation avec des cabinets et courtiers partenaires en assurance auto et habitation au Qu\u00e9bec.\"}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Courtier d'assurance auto et habitation\",\"item\":\"https:\/\/www.assur360.ca\/courtier-dassurance-auto-et-habitation\/\"}]}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'un courtier d'assurance auto et habitation au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier d'assurance de dommages est un professionnel ind\u00e9pendant certifi\u00e9 par l'Autorit\u00e9 des march\u00e9s financiers (AMF) qui compare les offres de plusieurs assureurs pour vous trouver la meilleure protection auto et habitation. Contrairement \u00e0 un agent li\u00e9 \u00e0 un seul assureur, il magasine pour vous et d\u00e9fend vos int\u00e9r\u00eats.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte de faire appel \u00e0 un courtier d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les services d'un courtier d'assurance sont enti\u00e8rement gratuits pour le consommateur au Qu\u00e9bec. Le courtier est r\u00e9mun\u00e9r\u00e9 par les assureurs via des commissions pay\u00e9es lorsque vous souscrivez une police. Vous n'avez aucun frais suppl\u00e9mentaire pour obtenir des conseils personnalis\u00e9s et plusieurs soumissions compar\u00e9es.\"}},{\"@type\":\"Question\",\"name\":\"Quel est l'avantage de combiner assurance auto et habitation chez le m\u00eame courtier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regrouper auto et habitation chez le m\u00eame assureur donne g\u00e9n\u00e9ralement un rabais multiproduit de 10 \u00e0 20 % sur la prime totale. Vous n'avez qu'un seul interlocuteur, un seul dossier, une gestion simplifi\u00e9e en cas de sinistre et souvent une franchise unique si les deux polices sont impact\u00e9es (ex. : incendie de garage qui endommage la voiture).\"}},{\"@type\":\"Question\",\"name\":\"Est-ce que Assur360 est un courtier ou un comparateur d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assur360 est un comparateur d'assurance : nous mettons en relation les Qu\u00e9b\u00e9cois avec des cabinets et courtiers partenaires certifi\u00e9s AMF. Le mandat de courtage et les conseils personnalis\u00e9s sont r\u00e9alis\u00e9s par ces cabinets partenaires, pas par Assur360. Notre r\u00f4le est d'organiser la comparaison rapide de plusieurs offres.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps faut-il pour obtenir une soumission auto et habitation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le formulaire prend moins de 3 minutes \u00e0 remplir. Un courtier d'un cabinet partenaire vous rappelle habituellement dans les 24 heures ouvrables avec plusieurs propositions compar\u00e9es. Pour un besoin urgent (achat de v\u00e9hicule, prise de possession d'une maison), pr\u00e9cisez-le dans les notes du formulaire.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je changer d'assureur en cours de contrat ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Vous pouvez r\u00e9silier votre police auto ou habitation en tout temps par avis \u00e9crit. L'assureur vous remet la prime non gagn\u00e9e au prorata (moins des frais d'annulation g\u00e9n\u00e9ralement modestes). Un courtier compare et pr\u00e9pare la transition pour \u00e9viter tout trou de couverture.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre un courtier et un agent d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'agent d'assurance est employ\u00e9 ou repr\u00e9sentant d'un seul assureur (ex. : Desjardins, Belair). Il vend uniquement les produits de cette compagnie. Le courtier est ind\u00e9pendant et travaille avec plusieurs assureurs simultan\u00e9ment (typiquement 5 \u00e0 15). R\u00e9sultat : le courtier peut r\u00e9ellement magasiner votre prime, l'agent non.\"}},{\"@type\":\"Question\",\"name\":\"Un courtier peut-il m'aider en cas de sinistre auto ou habitation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Le courtier est votre repr\u00e9sentant aupr\u00e8s de l'assureur pendant tout le cycle de la police, incluant les r\u00e9clamations. Il vous accompagne dans l'ouverture de dossier, explique la couverture applicable, coordonne les sp\u00e9cialistes en r\u00e8glement de sinistres au besoin et d\u00e9fend l'interpr\u00e9tation la plus favorable de votre contrat.\"}},{\"@type\":\"Question\",\"name\":\"Quels assureurs auto et habitation les cabinets partenaires d'Assur360 comparent-ils ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les cabinets partenaires d'Assur360 comparent la majorit\u00e9 des grands assureurs actifs au Qu\u00e9bec : Intact, Aviva, La Capitale (Beneva), Promutuel, L'Unique, \u00c9conomical, Wawanesa, SSQ et d'autres selon les r\u00e9gions. L'objectif est d'obtenir la meilleure combinaison prix-couverture pour votre profil.\"}},{\"@type\":\"Question\",\"name\":\"Faut-il payer avant de recevoir les soumissions ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La demande de soumission est enti\u00e8rement gratuite et sans engagement. Vous n'\u00eates tenu \u00e0 rien tant que vous n'avez pas accept\u00e9 une police et sign\u00e9 le contrat. Vous pouvez recevoir 3 \u00e0 5 propositions compar\u00e9es et d\u00e9cider librement \u2014 ou ne rien retenir.\"}}\n]}\n<\/script><\/p>\n<p><!-- HERO --><\/p>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 36px;margin:24px auto 40px;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n<div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n<div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n<p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">COMPARATOR ASSUR360 \u00b7 QC PLATFORM<\/p>\n<h1 style=\"color:#ffffff;font-size:clamp(28px,4vw,38px);font-weight:800;margin:0 0 14px;line-height:1.2;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Home-and-Auto-Insurance-Broker-in-Quebec\"><\/span>Home and Auto Insurance Broker in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#cbd5e1;font-size:17px;line-height:1.6;margin:0 0 24px;\">Compare car + home with several insurers in a single quote. 10-20% bundle discount, a single point of contact, free and non-binding service. Assur360 puts you in touch with <strong style=\"color:#10c4c7;\">AMF-certified partner firms and brokers<\/strong>.  <\/p>\n<div style=\"display:flex;gap:12px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Car + Home<\/a><br \/>\n Quote <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;border:2px solid #ffffff;display:inline-block;\">1-866-357-4451<\/a>\n      <\/div>\n<\/div>\n<div style=\"flex:0 1 300px;min-width:240px;text-align:center;\">\n<div style=\"background:rgba(16,196,199,0.1);border:2px solid rgba(16,196,199,0.3);border-radius:16px;padding:24px;\">\n<p style=\"color:#10c4c7;font-size:44px;font-weight:800;margin:0;line-height:1;\">10-20 %<\/p>\n<p style=\"color:#ffffff;font-size:14px;margin:8px 0 0;\">Bundle discount by combining car + home<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- STATS BAR --><\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:20px;margin:32px 0;padding:28px 20px;background:#ffffff;border-radius:16px;border:1px solid #e2e8f0;\">\n<div style=\"text-align:center;\">\n<p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;line-height:1;\">9+<\/p>\n<p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Insurers Compared<\/p>\n<\/div>\n<div style=\"text-align:center;\">\n<p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;line-height:1;\">&lt; 24 hours<\/p>\n<p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Usual return period<\/p>\n<\/div>\n<div style=\"text-align:center;\">\n<p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;line-height:1;\">3 min<\/p>\n<p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">To fill out the form<\/p>\n<\/div>\n<div style=\"text-align:center;\">\n<p style=\"color:#10c4c7;font-size:32px;font-weight:800;margin:0;line-height:1;\">100 %<\/p>\n<p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Free &#038; non-binding service<\/p>\n<\/div>\n<\/div>\n<p><!-- SECTION 1 : R\u00f4le du courtier --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"The-role-of-a-home-and-auto-insurance-broker\"><\/span>The role of a home and auto insurance broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 16px;\">The <strong>damage insurance broker<\/strong> is an independent professional, certified by the Autorit\u00e9 des march\u00e9s financiers (AMF) and a member of the <strong>Chambre de l&#8217;assurance<\/strong>. Unlike a captive agent attached to a single insurer, he works with several companies simultaneously. In concrete terms, he plays three roles for you:  <\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 32px;\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Analyst<\/p>\n<p style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;line-height:1.3;\">It assesses your needs<\/p>\n<p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Type of vehicle, value of the home, loss history, valuable property, outbuildings (garage, pool, shed). The broker determines the coverage needed \u2014 not too much, not too little. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Negotiator<\/p>\n<p style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;line-height:1.3;\">It Shops Your Premium<\/p>\n<p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">He submits your profile to several insurers (Intact, Aviva, Beneva, Promutuel, Economical, L&#8217;Unique, etc.) and compares the proposals. The right premium in the right place can vary by several hundred dollars per year. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Representative<\/p>\n<p style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;line-height:1.3;\">He defends your interests<\/p>\n<p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">In the event of a claim, the broker is your ally. He opens the claim, explains the applicable coverage, coordinates the adjuster and defends the most favourable interpretation of your contract. <\/p>\n<\/div>\n<\/div>\n<p><!-- SECTION 2 : Pourquoi combiner auto + habitation --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Combining-car-and-home-insurance-the-4-advantages\"><\/span>Combining car and home insurance: the 4 advantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 20px;\">Bundling your car and home insurance with the same insurer (through the same broker) is almost always more advantageous \u2014 it&#8217;s called a <strong>multi-product program<\/strong>.<\/p>\n<div style=\"background:#f0fdfa;border-radius:12px;padding:28px;margin:24px 0 32px;border-left:4px solid #10c4c7;\">\n<ol style=\"margin:0;padding:0 0 0 24px;color:#0d1f2d;font-size:16px;line-height:1.9;\">\n<li><strong>Bundle discount 10-20%<\/strong> off the total premium. This is the standard incentive for insurers to build customer loyalty on both products. <\/li>\n<li><strong>A single interlocutor, a single file.<\/strong>  A renewal, an address to be updated, a contract modification: everything goes through the same broker.<\/li>\n<li><strong>Mixed loss simplified.<\/strong>  Garage fire that damages the car, theft of the vehicle parked in the driveway, water damage that damages the car in the basement: a single file, often a single deductible.<\/li>\n<li><strong>Global vision of risk.<\/strong>  The broker sees your entire insurance program and can detect coverage gaps (e.g., incorrectly declared valuable property, missing resort rider).<\/li>\n<\/ol>\n<\/div>\n<p><!-- SECTION 3 : Comment \u00e7a marche --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"How-it-works-with-Assur360-in-4-steps\"><\/span>How it works with Assur360 in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:24px 0 32px;\">\n<div style=\"display:flex;gap:16px;align-items:flex-start;padding:20px;background:#f8fafc;border-radius:12px;\">\n<div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#ffffff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">1<\/div>\n<div>\n<p style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 4px;\">You fill out a single car + home form<\/p>\n<p style=\"color:#475569;font-size:15px;margin:0;line-height:1.6;\">Less than 3 minutes. Vehicle, ownership, driver profile, history. 100% online, no obligation.  <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:16px;align-items:flex-start;padding:20px;background:#f8fafc;border-radius:12px;\">\n<div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#ffffff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">2<\/div>\n<div>\n<p style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 4px;\">Assur360 matches you with a broker from an AMF-certified partner firm<\/p>\n<p style=\"color:#475569;font-size:15px;margin:0;line-height:1.6;\">Depending on your region, your profile and the type of vehicle\/property. The broker usually gets back in touch within 24 business hours. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:16px;align-items:flex-start;padding:20px;background:#f8fafc;border-radius:12px;\">\n<div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#ffffff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">3<\/div>\n<div>\n<p style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 4px;\">He compares several insurers and presents you with 3 to 5 proposals<\/p>\n<p style=\"color:#475569;font-size:15px;margin:0;line-height:1.6;\">Prices, coverage, deductibles, endorsements: everything is put side by side so that you understand what you are paying for and what you are covered to receive.<\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:16px;align-items:flex-start;padding:20px;background:#f8fafc;border-radius:12px;\">\n<div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#ffffff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">4<\/div>\n<div>\n<p style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 4px;\">You choose, it manages the purchase and cancellation of your current policies<\/p>\n<p style=\"color:#475569;font-size:15px;margin:0;line-height:1.6;\">The broker prepares for the transition without a coverage hole and accompanies you at the renewal the following year.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- SECTION 4 : Ce que fait un courtier vs assureur direct --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Broker-vs-Direct-Insurer-The-Difference-in-30-Seconds\"><\/span>Broker vs. Direct Insurer: The Difference in 30 Seconds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"overflow-x:auto;margin:24px 0 32px;\">\n<table style=\"width:100%;border-collapse:collapse;background:#ffffff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,0.05);\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Criteria<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Independent<\/th>\n<p> broker <\/p>\n<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Direct insurer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Number of insurers<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">5 to 15 companies compared<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Only 1 (its own)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Neutrality<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Independent, defends your interests<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Represents his employer<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Claims<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Personalized<\/td>\n<p> support <\/p>\n<td style=\"padding:12px 16px;color:#334155;\">Generic 1-800 line<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Cost of service<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Free (commissions paid by the insurer)<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Free<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Reunification of car + home<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Optimized between insurers<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Only with your insurer<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><!-- CONSEIL PRO --><\/p>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:16px;padding:32px;margin:32px 0;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">\ud83d\udca1 Advice from a broker<\/p>\n<p style=\"color:#ffffff;font-size:18px;font-weight:700;margin:0 0 10px;line-height:1.3;\">Shop for your car+home every 3 years<\/p>\n<p style=\"color:#cbd5e1;font-size:15px;line-height:1.7;margin:0;\">Insurers recalibrate their rates by region, driver age and type of residence every year. What was the best deal in 2023 is no longer the best in 2026. Regular broker shopping helps keep your premium aligned with the market \u2014 without you having to make the calls yourself.  <\/p>\n<\/div>\n<p><!-- SECTION 5 : Villes desservies (GEO) --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Home-and-auto-insurance-broker-throughout-Quebec\"><\/span>Home and auto insurance broker throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 20px;\">Assur360&#8217;s network of partner firms covers all of Quebec, including <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, the South Shore, the North Shore and rural areas. A local broker knows the regional particularities (hail risks in the Eastern Townships, flooding in Mont\u00e9r\u00e9gie, theft rates by borough in Montreal) that influence the premium. <\/p>\n<p><!-- EEAT --><\/p>\n<div style=\"background:#f0fdfa;border-radius:16px;padding:32px;margin:32px 0;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 14px;\">WHY ASSUR360<\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:24px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"A-comparator-backed-by-an-AMF-certified-firm\"><\/span>A comparator backed by an AMF-certified firm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"list-style:none;padding:0;margin:0;color:#0d1f2d;font-size:15px;line-height:1.9;\">\n<li>\u2713 <strong>Assur360 tek inc.<\/strong> \u2014 firm certified by the <strong>Autorit\u00e9 des march\u00e9s financiers<\/strong><\/li>\n<li>\u2713 Partner firms and brokers <strong>who are members of the Chambre de l&#8217;assurance<\/strong><\/li>\n<li>\u2713 Over <strong>100,000<\/strong> bid comparisons curated to date<\/li>\n<li>\u2713 Network of partners active throughout Quebec for more than <strong>10 years<\/strong><\/li>\n<li>\u2713 <strong>100% free<\/strong> and <strong>non-binding<\/strong> quote<\/li>\n<\/ul>\n<\/div>\n<p><!-- FAQ --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;margin:40px 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-home-and-auto-broker\"><\/span>Frequently asked questions \u2014 home and auto broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">What is a home and auto insurance broker in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">A damage insurance broker is an independent professional certified by the Autorit\u00e9 des march\u00e9s financiers (AMF) who compares the offers of several insurers to find you the best home and auto protection. Unlike an agent tied to a single insurer, he or she shops for you and defends your interests. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">How much does it cost to use an insurance broker?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">The services of an insurance broker are completely free for the consumer in Quebec. The broker is compensated by the insurers via commissions paid when you take out a policy. You don&#8217;t have any additional fees to get personalized advice and several quotes compared.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">What is the advantage of combining car and home insurance with the same broker?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Combining car and home with the same insurer generally gives a multi-product discount of 10 to 20% on the total premium. You have only one point of contact, a single file, simplified management in the event of a claim and often a single deductible if both policies are impacted (e.g., garage fire that damages the car). <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">Is Assur360 an insurance broker or comparator?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Assur360 is an insurance comparison site: we connect Quebecers with AMF-certified partner firms and brokers. The brokerage mandate and personalized advice are carried out by these partner firms, not by Assur360. Our role is to organize the quick comparison of several offers.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">How long does it take to get a home and auto quote?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">The form takes less than 3 minutes to complete. A broker from a partner firm usually calls you back within 24 business hours with several proposals compared. For an urgent need (purchase of a vehicle, taking possession of a house), specify it in the notes on the form.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">Can I change insurer during the course of my contract?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes. You can cancel your home or auto policy at any time by written notice. The insurer gives you the unearned premium on a pro-rata basis (minus a generally modest cancellation fee). A broker compares and prepares for the transition to avoid any gaps in coverage.   <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">What is the difference between an insurance broker and an insurance agent?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">The insurance agent is an employee or representative of a single insurer (e.g., Desjardins, Belair). He sells only the products of that company. The broker is independent and works with several insurers simultaneously (typically 5 to 15). As a result, the broker can actually shop around for your premium, the agent cannot.   <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">Can a broker help me in the event of a car or home claim?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes. The broker is your representative to the insurer throughout the policy cycle, including claims. He or she will assist you in opening a file, explain the applicable coverage, coordinate claims specialists as needed and defend the most favourable interpretation of your contract.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">Which home and auto insurers are Assur360&#8217;s partner firms comparing?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Assur360&#8217;s partner firms compare the majority of the major insurers active in Quebec: Intact, Aviva, La Capitale (Beneva), Promutuel, L&#8217;Unique, Economical, Wawanesa, SSQ and others depending on the region. The goal is to obtain the best price-coverage combination for your profile. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 12px;overflow:hidden;\">\n<summary style=\"background:#f8fafc;padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;\">Do I have to pay before receiving the quotes?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">No. The quote request is completely free and without obligation. You are not obliged to do anything until you have accepted a policy and signed the contract. You can receive 3 to 5 compared proposals and decide freely \u2014 or retain nothing.   <\/div>\n<\/details>\n<p><!-- CTA FINAL --><\/p>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 32px;margin:40px 0 24px;text-align:center;\">\n<p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">READY TO COMPARE<\/p>\n<h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 14px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Get-your-home-auto-quotes-now\"><\/span>Get your home + auto quotes now<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;font-size:16px;line-height:1.6;margin:0 0 28px;max-width:640px;margin-left:auto;margin-right:auto;\">3 minutes to fill out, 24 hours to receive several proposals compared by a broker from an AMF-certified partner firm.<\/p>\n<div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">My Free<\/a><br \/>\n Quote <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;border:2px solid #ffffff;display:inline-block;\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n<p><!-- LIENS INTERNES --><\/p>\n<h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:22px;font-weight:800;margin:32px 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Go-further\"><\/span>Go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:0 0 24px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;transition:border-color 0.2s;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;text-transform:uppercase;margin:0 0 6px;\">Car insurance<\/p>\n<p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;\">Compare car insurers in Quebec<\/p>\n<\/a><br \/>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;transition:border-color 0.2s;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;text-transform:uppercase;margin:0 0 6px;\">Home insurance<\/p>\n<p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;\">Home Coverage and Prices in Quebec<\/p>\n<\/a><br \/>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cheap-car-insurance-quick-quote\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;transition:border-color 0.2s;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;text-transform:uppercase;margin:0 0 6px;\">Save money<\/p>\n<p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;\">Cheap car insurance<\/p>\n<\/a><br \/>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/online-car-insurance\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;transition:border-color 0.2s;\">\n<p style=\"color:#10c4c7;font-size:12px;font-weight:700;text-transform:uppercase;margin:0 0 6px;\">Guide<\/p>\n<p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;\">Online car insurance: fast price 2026<\/p>\n<\/a>\n<\/div>\n\n<div style=\"max-width:1100px;margin:48px auto;padding:32px;background:#ffffff;border-radius:16px;box-shadow:0 1px 3px rgba(13,31,45,.06);\">\n  <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;margin:0 0 6px;\">To consult<\/p>\n  <h3 style=\"color:#0d1f2d;font-size:22px;font-weight:800;font-family:'Sora',sans-serif;margin:0 0 20px;\">Pages linked to it<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px;margin:0 0 20px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/vehicle-insurance-quick-quote-in-3-minutes\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Motor vehicle insurance, quote in 3 minutes, is it possible?<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-3\/\" style=\"display:block;padding:14px 18px;background:#f8fafc;border-left:3px solid #10c4c7;border-radius:6px;text-decoration:none;color:#0d1f2d;transition:all .2s;font-size:14px;font-weight:600;line-height:1.4;\">Is it really reliable to compare your car insurance online?<\/a>\n\n  <\/div>\n  <div style=\"display:flex;gap:12px;flex-wrap:wrap;margin-top:8px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/\" style=\"display:inline-block;background:transparent;color:#0d1f2d;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;border:2px solid #0d1f2d;font-size:13px;\">See Category \u2192<\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/soumission-rapide-3\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:10px 22px;border-radius:6px;text-decoration:none;font-weight:700;font-size:13px;\">Get a free quote<\/a>\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>COMPARATOR ASSUR360 \u00b7 QC PLATFORM Home and Auto Insurance Broker in Quebec Compare car + home with several insurers in a single [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Home and Auto Insurance Broker Quebec 2026 | Assur360","_seopress_titles_desc":"Car + home broker in QC: 10-20% bundle discount, 9+ insurers compared, 24-hour response. 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