{"id":23241,"date":"2025-10-22T16:56:29","date_gmt":"2025-10-22T20:56:29","guid":{"rendered":"https:\/\/www.assur360.ca\/earthquake-insurance-complete-guide-price-and-deductible\/"},"modified":"2026-04-20T15:14:47","modified_gmt":"2026-04-20T19:14:47","slug":"earthquake-insurance-complete-guide-price-and-deductible","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/earthquake-insurance-complete-guide-price-and-deductible\/","title":{"rendered":"Earthquake insurance Quebec 2026: home endorsement"},"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 tremblement de terre 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\/assurance-tremblement-de-terre\/\"}<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Assur360<\/strong>, an <strong>AMF-certified<\/strong> firm, helps you protect your Quebec home against earthquakes. Our <strong>independent brokers<\/strong> compare 9+ insurers for the perfect earthquake endorsement, adapted to your seismic zone (Charlevoix, Outaouais, Montreal, Bas-Saint-Laurent). 100% free quote in 3 minutes.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:32px;margin:32px 0;padding:32px;background:#ffffff;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\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\/tremblement-de-terre-quebec.jpg\" alt=\"Home after earthquake \u2014 Assur360 earthquake insurance\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Quebec-Earthquake-Endorsement\"><\/span>Quebec Earthquake Endorsement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0;\">Standard home insurance <strong>does not include<\/strong> earthquakes. The earthquake endorsement costs $60\u2013250\/year and covers Charlevoix, Outaouais, Bas-Saint-Laurent \u2014 moderate risk areas in Quebec. <\/p>\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;\">EARTHQUAKE ENDORSEMENT<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-home-from-earthquakes-in-Quebec\"><\/span>Protect your home from earthquakes in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Charlevoix, Outaouais, St. Lawrence Valley: moderate-risk areas. Get the earthquake endorsement at the best price. <\/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;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/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;\">$60\u2013250<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average annual price<\/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;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and without obligation<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-add-the-earthquake-endorsement-to-your-home-policy\"><\/span>Why add the earthquake endorsement to your home policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">In Quebec, more than <strong>450 earthquakes per year<\/strong> are recorded by Natural Resources Canada. While the majority are imperceptible, active areas such as <strong>Charlevoix\u2013Kamouraska<\/strong> (historical magnitude 7+ earthquakes) and <strong>the Ottawa Valley<\/strong> (2010 earthquake, magnitude 5.0) remind us of the importance of appropriate protection. <\/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;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Building protection<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers the house, attached garage and sometimes outbuildings in case of shaking or collapse.<\/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;\">\ud83d\udce6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Insured content<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Furniture, appliances, personal effects replaced according to the limit of your policy and deductible chosen.<\/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;\">Relocation costs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your home becomes uninhabitable, the endorsement covers the additional costs of accommodation and meals.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-seismic-zones-and-risk-levels\"><\/span>Quebec seismic zones and risk levels<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Quebec has several active areas recognized by the Geological Survey of Canada. Here are the key regions to watch: <\/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;\">\ud83c\udfd4\ufe0f Charlevoix\u2013Kamouraska<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Most active area historically. Major earthquakes in 1663 (magnitude 7), 1791, 1860, 1870 and 1925. <\/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\udf32 Western Quebec (Outaouais, Montreal, Laurentians)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Moderate seismicity. 2010 Val-des-Bois earthquake (magnitude 5.0) felt as far away as Toronto. <\/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\udf0a Bas-Saint-Laurent and Gasp\u00e9sie<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Regular seismic activity along the river. Old houses more vulnerable. <\/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;\">\u26f0\ufe0f Saguenay\u2013Lac-Saint-Jean<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Major earthquake in 1988 (magnitude 5.9). Area to watch for owners. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-earthquake-endorsement-in-4-steps\"><\/span>How to get your earthquake endorsement 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;\">Fill out the home form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our online form takes 3 minutes. Mention your interest in the earthquake endorsement in the options. <\/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;\">Comparison 9+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our AMF brokers analyze the best offers available for your seismic zone and building type.<\/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;\">Choice of Franchise<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Choose between 2%, 3% or 5% depending on your budget and risk tolerance.<\/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;\">Issuance of the police<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, secure payment and immediate attestation. Active protection in minutes. <\/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;\">Reduce your earthquake premium<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Install <strong style=\"color:#ffffff;\">anti-tip anchors<\/strong> on your water heater, reinforce brick chimneys, and make sure your foundation is securely attached to the structure. Some insurers offer discounts of <strong style=\"color:#ffffff;\">5 to 10%<\/strong> for these preventive measures. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-rates-for-the-Quebec-earthquake-endorsement\"><\/span>2026 rates for the Quebec earthquake endorsement<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;\">Zone\/Type of Home<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Insured Value<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Deductible<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Indicative Annual 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;\">Montreal \/ recent house<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$400,0003<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$65 \u2013 $110<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Laval \/ bungalow<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$350,0003<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$55 \u2013 $95<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Quebec \/ ancestral home<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$450,0005<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$110 \u2013 $180<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Charlevoix \/ cottage<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$300,0005<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$140 \u2013 $240<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Gatineau \/ new semi-detached<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$425,0003<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$75 \u2013 $130<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Sherbrooke \/ 2-storey house<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$500,0002<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$95 \u2013 $165<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Saguenay \/ mobile home<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$220,0005<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$85 \u2013 $160<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Get your exact price 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;\">EARTHQUAKE PROTECTION<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">No earthquake endorsement yet?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Don&#8217;t let an earthquake destroy years of savings. Compare 9+ insurers for free. <\/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 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;\">Beware of replies and deadlines<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Damage caused by <strong>shaking and aftershocks<\/strong> is generally considered a single loss if it occurs within <strong>72 hours<\/strong>. Beyond that, they are separate events (and separate franchises). Declare quickly, document everything (photos, videos) and keep your evidence.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"We-protect-homeowners-throughout-Quebec\"><\/span>We protect homeowners throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 covers all regions of Quebec. Our brokers are familiar with the specific seismic conditions of <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>La Malbaie<\/strong>, <strong>Rimouski<\/strong> and <strong>Thetford Mines<\/strong>. Whether you are in an active or moderate seismic zone, we will find the right earthquake endorsement for your situation.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-on-home-insurance\"><\/span>Related articles on home insurance<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;\">Home Insurance Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete owner guide, prices and coverage.<\/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;\">Protect your second home in Quebec.<\/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;\">Condo insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specific coverage for condominiums.<\/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 for difficult cases.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-earthquake-endorsement\"><\/span>Frequently asked questions about the earthquake endorsement<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 earthquake covered by default in my home insurance policy in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p><strong>No.<\/strong> The vast majority of home insurance policies in Quebec <strong>exclude<\/strong> damage caused by an earthquake. You must add an <strong>earthquake endorsement<\/strong> (paid option) to be protected. Check your current contract or request an <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Assur360 quote<\/a>.  <\/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;\">Which regions of Quebec are most at risk of earthquakes?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>According to Natural Resources Canada, areas of moderate seismicity in Quebec include <strong>Charlevoix\u2013Kamouraska<\/strong>, <strong>western Quebec (Ottawa Valley, Montreal, Laurentians),<\/strong> <strong>Bas-Saint-Laurent<\/strong> and <strong>Saguenay<\/strong>. Charlevoix is the most active region historically. <\/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 is a percentage deductible (2-5%)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Unlike a fixed deductible, the earthquake deductible is expressed as a <strong>percentage of the reconstruction amount<\/strong>. Example: For a home insured for $400,000, a 3% deductible = $12,000 at your expense before repayment. <\/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 the Quebec earthquake endorsement cost?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>In 2026, you can generally expect to pay between <strong>$60 and $250 per year<\/strong> depending on the region, the type of building, the deductible chosen and the insured value. Homes in Charlevoix or near active faults cost more to cover. <\/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 the earthquake endorsement cover post-earthquake water damage?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Partially. The endorsement generally covers <strong>direct damage<\/strong> caused by shaking (structural cracks, collapse, etc.) as well as certain <strong>consequential<\/strong> water damage (pipe breaks caused by the earthquake). Surface flooding remains excluded without a separate amendment.  <\/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 long after an earthquake can I claim?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Damage caused by <strong>shaking and aftershocks<\/strong> is generally considered a <strong>single event<\/strong> during a defined period of time (often 72 hours). Report the claim to your insurer <strong>as soon as possible<\/strong> , ideally within 48 hours. <\/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;\">Can I get a discount on my earthquake bonus?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Yes. <strong>Preventative measures<\/strong> such as anchoring the water heater, reinforcing chimneys, installing anti-tip fasteners and a reinforced foundation can reduce the premium with some insurers. Mention them when you submit. <\/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 quote for an earthquake endorsement 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\/\">home form in 3 minutes<\/a> or call an AMF-certified Assur360 broker at <strong>1-866-357-4451<\/strong>. We compare 9+ insurers and show you the best options with or without an earthquake endorsement. <\/p><\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Le tremblement de terre est-il couvert par d\u00e9faut dans ma police d'assurance habitation au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p><strong>Non. La tr\u00e8s grande majorit\u00e9 des polices d'assurance habitation au Qu\u00e9bec <\/strong><strong>excluent les dommages caus\u00e9s par un tremblement de terre. Il faut ajouter un <\/strong><strong>avenant s\u00e9isme (option payante) pour \u00eatre prot\u00e9g\u00e9. V\u00e9rifiez votre contrat actuel ou demandez une <a href=\\\"\/soumission-habitation-rapide\/\\\">soumission Assur360.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles r\u00e9gions du Qu\u00e9bec sont les plus \u00e0 risque sismique ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Selon Ressources naturelles Canada, les zones de sismicit\u00e9 mod\u00e9r\u00e9e au Qu\u00e9bec incluent <strong>Charlevoix\u2013Kamouraska, <\/strong><strong>l'Ouest du Qu\u00e9bec (vall\u00e9e de l'Outaouais, Montr\u00e9al, Laurentides), <\/strong><strong>le Bas-Saint-Laurent et le <\/strong><strong>Saguenay. Charlevoix est la r\u00e9gion la plus active historiquement.\"}}, {\"@type\": \"Question\", \"name\": \"C'est quoi une franchise en pourcentage (2-5 %) ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Contrairement \u00e0 une franchise fixe, la franchise s\u00e9isme est exprim\u00e9e en <strong>pourcentage du montant de reconstruction. Exemple : pour une maison assur\u00e9e 400 000 $, une franchise de 3 % = 12 000 $ \u00e0 votre charge avant le remboursement.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'avenant tremblement de terre au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>En 2026, comptez g\u00e9n\u00e9ralement entre <strong>60 $ et 250 $ par ann\u00e9e selon la r\u00e9gion, le type de b\u00e2timent, la franchise choisie et la valeur assur\u00e9e. Les maisons dans Charlevoix ou pr\u00e8s de failles actives co\u00fbtent plus cher \u00e0 couvrir.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant s\u00e9isme couvre-t-il les d\u00e9g\u00e2ts d'eau post-tremblement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Partiellement. L'avenant couvre g\u00e9n\u00e9ralement les <strong>dommages directs caus\u00e9s par les secousses (fissures structurelles, effondrement, etc.) ainsi que certains d\u00e9g\u00e2ts d'eau <\/strong><strong>cons\u00e9cutifs (bris de tuyauterie caus\u00e9 par le s\u00e9isme). Les inondations de surface restent exclues sans avenant s\u00e9par\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Combien de temps apr\u00e8s un s\u00e9isme puis-je r\u00e9clamer ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Les dommages caus\u00e9s par les <strong>secousses et r\u00e9pliques sont g\u00e9n\u00e9ralement consid\u00e9r\u00e9s comme un <\/strong><strong>seul \u00e9v\u00e9nement pendant une p\u00e9riode d\u00e9finie (souvent 72 heures). D\u00e9clarez le sinistre <\/strong><strong>le plus rapidement possible \u00e0 votre assureur, id\u00e9alement dans les 48 heures.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je obtenir une r\u00e9duction sur ma prime s\u00e9isme ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Oui. Les <strong>mesures pr\u00e9ventives comme l'ancrage du chauffe-eau, le renforcement des chemin\u00e9es, l'installation d'attaches antibasculement et la fondation renforc\u00e9e peuvent r\u00e9duire la prime chez certains assureurs. Mentionnez-les lors de votre soumission.\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission avenant s\u00e9isme rapidement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Remplissez notre <a href=\\\"\/soumission-habitation-rapide\/\\\">formulaire habitation en 3 minutes ou appelez un courtier Assur360 certifi\u00e9 AMF au <strong>1-866-357-4451. Nous comparons 9+ assureurs et vous pr\u00e9sentons les meilleures options avec ou sans avenant s\u00e9isme.\"}}]}<!-- wpml:html_fragment <\/strong><\/a><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/a><\/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;\">Protect your home from earthquakes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 quote in 3 minutes. Compare 9+ insurers in Quebec for free. <\/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<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 tremblement de terre Qu\u00e9bec\", \"item\": \"https:\/\/www.assur360.ca\/assurance-tremblement-de-terre\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Quebec 2026 Home Earthquake Endorsement starting at $60\/year. 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