{"id":35461,"date":"2026-03-19T17:19:52","date_gmt":"2026-03-19T21:19:52","guid":{"rendered":"https:\/\/www.assur360.ca\/2026-home-insurance-guide-in-quebec\/"},"modified":"2026-04-19T17:34:52","modified_gmt":"2026-04-19T21:34:52","slug":"2026-home-insurance-guide-in-quebec","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/","title":{"rendered":"2026 Home Insurance Guide in Quebec"},"content":{"rendered":"<p style=\"font-size: 17px; line-height: 1.8; color: #334155;\">In 2026, the <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance market in Quebec<\/a> is undergoing a major transformation. Between the increase in climatic events, the increase in the cost of construction materials and the new requirements of insurers in terms of prevention, your premium has never varied so much from one insurer to another. This guide takes stock of <strong>what really changes in 2026<\/strong> and how to protect your home at the best price.  <\/p>\n<p><!-- CTA #1 --><\/p>\n<div style=\"background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); border-radius: 16px; padding: 40px; text-align: center; margin: 32px 0;\">\n<p style=\"color: #10c4c7; font-weight: bold; font-size: 14px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px;\">2026 edition<\/p>\n<h3 style=\"color: white; font-size: 22px; margin-bottom: 8px;\">Has your home premium kept up with the trend?<\/h3>\n<p style=\"color: #94a3b8; margin-bottom: 24px;\">Compare your current price with quotes from 9 Quebec insurers. Result in 2 minutes. <\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 16px 48px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 18px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Check My Price 2026<\/a><\/p>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Whats-changing-in-2026-for-Quebec-homeowners\" >What&#8217;s changing in 2026 for Quebec homeowners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#How-much-do-you-really-pay-in-2026-Figures-by-type-of-property\" >How much do you really pay in 2026? Figures by type of property<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#The-premium-map-the-most-and-cheapest-regions-in-2026\" >The premium map: the most and cheapest regions in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Water-damage-the-1-disaster-in-Quebec-and-the-most-misunderstood\" >Water damage: the #1 disaster in Quebec (and the most misunderstood)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#The-5-mistakes-that-cost-homeowners-the-most-in-2026\" >The 5 mistakes that cost homeowners the most in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#2026-calendar-of-the-Quebec-owner\" >2026 calendar of the Quebec owner<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Home-insurance-packages-explained-simply\" >Home insurance packages explained simply<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Old-house-vs-recent-construction-the-impact-on-your-premium\" >Old house vs recent construction: the impact on your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Checklist-Are-you-properly-insured-in-2026\" >Checklist: Are you properly insured in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#The-role-of-the-broker-vs-direct-insurance-what-to-choose-in-2026\" >The role of the broker vs. direct insurance: what to choose in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#7-concrete-strategies-to-reduce-your-home-premium-in-2026\" >7 concrete strategies to reduce your home premium in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#What-to-do-in-the-event-of-a-claim-a-step-by-step-guide\" >What to do in the event of a claim: a step-by-step guide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#FAQs-%E2%80%94-2026-specific-questions\" >FAQs \u2014 2026-specific questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/#Explore-our-guides-and-resources\" >Explore our guides and resources<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Whats-changing-in-2026-for-Quebec-homeowners\"><\/span>What&#8217;s changing in 2026 for Quebec homeowners<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The home insurance market changes every year. In 2026, three major trends are redefining premiums and coverage. <\/p>\n<h3>Climate disasters are redrawing the risk map<\/h3>\n<p>Quebec has experienced a series of extreme weather events in recent years: record floods in Beauce and Saguenay, devastating ice storms in Mont\u00e9r\u00e9gie, tornadoes in the Outaouais. The <a href=\"https:\/\/www.bac-quebec.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Insurance Bureau of Canada (IBC)<\/a> reports that weather-related claims have jumped by <strong>40% in 5 years<\/strong> in Quebec. As a direct consequence, insurers are tightening their criteria in risk areas and adjusting premiums upwards, particularly for water damage. If your property is located in a flood zone mapped by the <a href=\"https:\/\/www.cehq.gouv.qc.ca\/zones-inond\/\" target=\"_blank\" rel=\"noopener\">CEHQ<\/a>, you may have difficulty finding affordable coverage.   <\/p>\n<h3>The cost of reconstruction is exploding (+18% since 2023)<\/h3>\n<p>Building materials \u2014 lumber, roofing, windows, skilled labour \u2014 have been subject to sustained inflation. The <a href=\"https:\/\/www.apchq.com\/\" target=\"_blank\" rel=\"noopener\">Association des professionnels de la construction et de l&#8217;habitation du Qu\u00e9bec (APCHQ)<\/a> estimates a cumulative increase of <strong>18% since 2023<\/strong>. As a result, if your building coverage amount has not been revised recently, you may be <strong>underinsured<\/strong> without knowing it. In the event of a major loss, the proration rule could reduce your compensation by thousands of dollars.   <\/p>\n<h3>Insurers focus on prevention<\/h3>\n<p>In 2026, several Quebec insurers are offering <strong>discounts of 5% to 15%<\/strong> for the installation of prevention devices: connected water leak detectors (such as Moen Flo or Phyn), centralized alarm systems, check valves on the drain. Intact Insurance and Promutuel are among the most generous in prevention discounts. These investments of $200 to $1,500 often pay for themselves in 2 to 3 years. <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-do-you-really-pay-in-2026-Figures-by-type-of-property\"><\/span>How much do you really pay in 2026? Figures by type of property <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Overall averages don&#8217;t mean much \u2014 your premium depends on <em>your<\/em> property. Here are realistic ranges based on quotes processed by our broker partners in Q1 2026. <\/p>\n<table style=\"width: 100%; border-collapse: collapse; font-size: 14px; margin: 24px 0;\">\n<thead>\n<tr style=\"background: #0d1f2d; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Property Type<\/th>\n<th style=\"padding: 12px; text-align: center; border: 1px solid #1e3a4f;\">Annual premium 2026<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">What causes the price to vary<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Single-family home (average value)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #f59e0b;\">$1,200 \u2014 $<\/td>\n<p>2,500<\/p>\n<td style=\"padding: 12px;\">Year of construction, roof, heating, proximity to barracks<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">High-end home ($500,000+)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">$2,500 \u2014 $5,000+<\/td>\n<td style=\"padding: 12px;\">Rebuild value, pool, spa, high-end finishes<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\"><a style=\"color: inherit; text-decoration: underline;\" href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">Condo \/ condominium<\/a><\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #10b981;\">$400 \u2014 $<\/td>\n<p>900<\/p>\n<td style=\"padding: 12px;\">Syndicate&#8217;s share, leasehold improvements, floor<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Tenant<\/td>\n<p> housing<\/p>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #10b981;\">$300 \u2014 $<\/td>\n<p>700<\/p>\n<td style=\"padding: 12px;\">Value of content, liability, neighborhood<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Cottage \/ second<\/td>\n<p> home<\/p>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #f59e0b;\">$800 \u2014 $<\/td>\n<p>2,200<\/p>\n<td style=\"padding: 12px;\">Seasonal occupancy, remoteness, winter heating<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Old house (before 1960)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">$1,800 \u2014 $<\/td>\n<p>4,000<\/p>\n<td style=\"padding: 12px;\">Plumbing, electrical, foundation, lead water inlet<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Notable fact:<\/strong> The difference between the best and worst price for the same property can be as high as <strong>50% to 70%.<\/strong> This is even more pronounced than in car insurance. The <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-habitation\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> recommends comparing at least 3 quotes before choosing.  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-premium-map-the-most-and-cheapest-regions-in-2026\"><\/span>The premium map: the most and cheapest regions in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your address is the #1 factor that determines your home premium. Insurers use your local claims statistics, proximity to a fire station, and the history of weather events in your area. <\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; margin: 24px 0;\">\n<div style=\"background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px;\">\n<div style=\"font-size: 14px; font-weight: bold; color: #991b1b; margin-bottom: 4px;\">Most expensive<\/div>\n<ul style=\"margin: 8px 0 0 16px; font-size: 14px; color: #334155; line-height: 1.8;\">\n<li><strong>Montreal (Plateau, Rosemont)<\/strong> \u2014 century-old buildings, dilapidated plumbing, density<\/li>\n<li><strong>Gatineau \/ Outaouais<\/strong> \u2014 recent tornadoes, flood zone<\/li>\n<li><strong>Beauce \/ Chaudi\u00e8re-Appalaches<\/strong> \u2014 recurrent flooding of the Chaudi\u00e8re River<\/li>\n<li><strong>Laval (some areas)<\/strong> \u2014 frequent sewer backups<\/li>\n<\/ul>\n<\/div>\n<div style=\"background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px;\">\n<div style=\"font-size: 14px; font-weight: bold; color: #166534; margin-bottom: 4px;\">The cheapest<\/div>\n<ul style=\"margin: 8px 0 0 16px; font-size: 14px; color: #334155; line-height: 1.8;\">\n<li><strong>Quebec City (suburbs)<\/strong> \u2014 recent construction, good emergency services<\/li>\n<li><strong>South Shore of Montreal (high areas)<\/strong> \u2014 excluding flood zone<\/li>\n<li><strong>Estrie (rural areas)<\/strong> \u2014 low density, few claims<\/li>\n<li><strong>Saguenay (new neighbourhoods)<\/strong> \u2014 modern buildings to standards<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>A homeowner who moves from a flood-prone area of Gatineau to the suburbs of Quebec City can see their premium drop by <strong>35% to 50%,<\/strong> even for an equivalent house. If <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">you&#8217;re<\/a> buying a home, ask for an insurance quote <em>before<\/em> you sign \u2014 the premium can influence your decision. <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Water-damage-the-1-disaster-in-Quebec-and-the-most-misunderstood\"><\/span>Water damage: the #1 disaster in Quebec (and the most misunderstood)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Water damage now accounts for <strong>more than 50% of all<\/strong> home insurance claims in Quebec, ahead of fire and theft combined. However, it is the risk most misunderstood by owners. <\/p>\n<h3>The 4 Types of Water Damage (and What&#8217;s Covered)<\/h3>\n<table style=\"width: 100%; border-collapse: collapse; font-size: 14px; margin: 24px 0;\">\n<thead>\n<tr style=\"background: #0d1f2d; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Type of damage<\/th>\n<th style=\"padding: 12px; text-align: center; border: 1px solid #1e3a4f;\">Basic cutlery?<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">How to protect yourself<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Pipe breakage \/ internal damage<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #10b981;\">\u2705 Yes<\/td>\n<td style=\"padding: 12px;\">Covered by the basic formula. Maintain your plumbing. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Sewer<\/td>\n<p> backup<\/p>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">\u274c Endorsement required<\/td>\n<td style=\"padding: 12px;\">Backflow endorsement + check valve (required by some insurers).<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 12px; font-weight: 600;\">Infiltration through the roof \/ foundations<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #f59e0b;\">\u26a0\ufe0f It depends<\/td>\n<td style=\"padding: 12px;\">Overcast so sudden and accidental. Not covered if gradual (deficient maintenance). <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 12px; font-weight: 600;\">Flooding (flooding, heavy rain)<\/td>\n<td style=\"padding: 12px; text-align: center; font-weight: bold; color: #ef4444;\">\u274c Endorsement required<\/td>\n<td style=\"padding: 12px;\">Overland flood endorsement. Not available in high-risk areas. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Common pitfalls:<\/strong> Many homeowners think they are covered for water damage &#8220;because they have good insurance&#8221;. In reality, without the <strong>specific endorsements<\/strong> (sewer backup + overland flooding), you are only protected against internal pipe breaks. Check your policy \u2014 1 in 3 homeowners do not have these endorsements according to the <a href=\"https:\/\/www.chad.ca\/fr\/consommateurs\" target=\"_blank\" rel=\"noopener\">Chambre de l&#8217;assurance de dommages (CHAD).<\/a>  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-5-mistakes-that-cost-homeowners-the-most-in-2026\"><\/span>The 5 mistakes that cost homeowners the most in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>After analyzing thousands of policies, our brokers see the same mistakes come back over and over again. Here are the ones that burn the most money \u2014 or leave homeowners without coverage at the worst time. <\/p>\n<h3>1. Underestimating the reconstruction value of the building<\/h3>\n<p>If your home is insured for $250,000 but it would cost $350,000 to rebuild it today (material inflation), you&#8217;re underinsured. In the event of a total loss, you will receive a maximum of $250,000. Worse: the <strong>proportional rule<\/strong> can apply even for a partial claim. If you are insured at 71% of the actual value, your benefit will be reduced proportionally. Have your building reassessed every 3 to 5 years by a <a href=\"https:\/\/www.oeaq.qc.ca\/\" target=\"_blank\" rel=\"noopener\">certified appraiser<\/a>.    <\/p>\n<h3>2. Forget about water endorsements<\/h3>\n<p>As explained above, water damage is the #1 disaster in Quebec. Sewer backup and overland flood endorsements cost between <strong>$50 and $200 per year<\/strong> each. Without them, a sewer backup that causes $40,000 in basement damage is entirely out of your pocket. This is the best protection\/price ratio of your entire policy.   <\/p>\n<h3>3. Renew without comparing<\/h3>\n<p>Same mistake as in car insurance, but with an even greater impact. The differences between home insurers are <strong>greater<\/strong> than for cars. From one year to the next, an insurer may reassess the risk in your industry and increase your premium by 15 to 25%, while a competitor keeps the rate stable. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Compare in 2 minutes here<\/a>.  <\/p>\n<h3>4. Not reporting renovations<\/h3>\n<p>Did you redo the kitchen for $35,000? No more basement? Added an in-ground pool? If you don&#8217;t report these improvements, your coverage doesn&#8217;t reflect the true value and you may be undercompensated. Conversely, some renovations (new roof, modernized electrical panel) can give you a <strong>discount<\/strong>. Call your broker after each major renovation.     <\/p>\n<h3>5. Skip Self-Housing Consolidation<\/h3>\n<p>Combining your <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car and<\/a> <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> with the same insurer gives a discount of <strong>5% to 15%<\/strong> on each policy. For a household with a house and two vehicles, that&#8217;s <strong>$250 to $600<\/strong> in savings per year. However, 1 in 3 Quebecers still have their insurance with different insurers.  <\/p>\n<p><!-- CTA #2 --><\/p>\n<div style=\"background: #f0fdfa; border: 2px solid #10c4c7; border-radius: 16px; padding: 32px; text-align: center; margin: 32px 0;\">\n<h3 style=\"color: #0d1f2d; font-size: 22px; margin-bottom: 8px;\">Do you make any of these 5 mistakes?<\/h3>\n<p style=\"color: #334155; margin-bottom: 24px;\">An Assur360 broker can analyze your current policy and identify your potential savings. Free, no obligation. <\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 14px 40px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 16px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Have my policy analyzed<\/a><\/p>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2026-calendar-of-the-Quebec-owner\"><\/span>2026 calendar of the Quebec owner<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certain times of the year have a direct influence on your home insurance. Put them in your diary. <\/p>\n<table style=\"width: 100%; border-collapse: collapse; font-size: 14px; margin: 24px 0;\">\n<thead>\n<tr style=\"background: #0d1f2d; color: white;\">\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Period<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Event<\/th>\n<th style=\"padding: 12px; text-align: left; border: 1px solid #1e3a4f;\">Impact on your insurance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">January\u2013February<\/td>\n<td style=\"padding: 10px;\">Extreme cold, frozen pipes<\/td>\n<td style=\"padding: 10px;\">Keep the heating at 15\u00b0C+ even if absent. Frozen pipe break = covered. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">March\u2013April<\/td>\n<td style=\"padding: 10px;\">Snowmelt, spring freshets<\/td>\n<td style=\"padding: 10px;\">Flood risk \u2014 endorsement required. Check your sump pump. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">May<\/td>\n<td style=\"padding: 10px;\">Opening of the chalets<\/td>\n<td style=\"padding: 10px;\">Check that your cottage insurance is active. Inspect the plumbing. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">June\u2013August<\/td>\n<td style=\"padding: 10px;\">Severe thunderstorms, hail, tornadoes<\/td>\n<td style=\"padding: 10px;\">Wind\/hail damage covered by the extended or all-risk formula.<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">July<\/td>\n<td style=\"padding: 10px;\">Moving (July 1st)<\/td>\n<td style=\"padding: 10px;\">Transfer your policy at least 30 days before. New address = new price. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">September\u2013October<\/td>\n<td style=\"padding: 10px;\">Gutter cleaning, roof<\/td>\n<p> inspection<\/p>\n<td style=\"padding: 10px;\">Preventive maintenance = avoid denials of negligence claims.<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">November<\/td>\n<td style=\"padding: 10px;\">Closure of chalets<\/td>\n<td style=\"padding: 10px;\">Turn off the water, drain the pipes. Notify your insurer of the vacancy. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0; background: #f8fafc;\">\n<td style=\"padding: 10px; font-weight: 600;\">December<\/td>\n<td style=\"padding: 10px;\">Christmas tree, decorations, absence of the holidays<\/td>\n<td style=\"padding: 10px;\">Increased risk of fire. Notify a neighbour if you are away for a long time. <\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e2e8f0;\">\n<td style=\"padding: 10px; font-weight: 600;\">30-60 days before your renewal<\/td>\n<td style=\"padding: 10px;\">Ideal window for shopping<\/td>\n<td style=\"padding: 10px;\">Ask for comparative quotes \u2014 you have time to decide.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Home-insurance-packages-explained-simply\"><\/span>Home insurance packages explained simply<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In Quebec, there are three main formulas. The choice directly influences your coverage <em>and<\/em> your premium. <\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; margin: 24px 0;\">\n<div style=\"background: white; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Basic Formula (Named Risks)<\/div>\n<div style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-bottom: 12px;\">Cheapest<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>Covers <strong>only<\/strong> listed claims: fire, theft, vandalism, storm<\/li>\n<li>If the loss is not named = not covered<\/li>\n<li>Building AND Contents: Named Risks Only<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #64748b; font-weight: 600; margin-top: 12px;\">For: tenants with few properties, tight budget<\/p>\n<\/div>\n<div style=\"background: white; border: 2px solid #10c4c7; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Extended formula<\/div>\n<div style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-bottom: 12px;\">The best value for money \u2b50<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>Building: covered against <strong>all risks<\/strong> (except exclusions)<\/li>\n<li>Content: Covered against <strong>named perils<\/strong><\/li>\n<li>Good compromise between protection and cost<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-top: 12px;\">Pros: Majority of owners<\/p>\n<\/div>\n<div style=\"background: white; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">All-risk formula<\/div>\n<div style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-bottom: 12px;\">The most complete<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>Building AND contents: covered against <strong>all risks<\/strong><\/li>\n<li>Only explicit exclusions are not covered<\/li>\n<li>Higher premium, but maximum peace of mind<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #64748b; font-weight: 600; margin-top: 12px;\">For: Owners with valuable properties, new construction<\/p>\n<\/div>\n<\/div>\n<p><strong>Expert tip:<\/strong> The premium difference between the basic plan and the extended plan is often only <strong>$100 to $200 per year<\/strong>. For this amount, you get comprehensive building cover \u2014 a very profitable investment. The all-risk plan typically costs 15-25% more than the extended.  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Old-house-vs-recent-construction-the-impact-on-your-premium\"><\/span>Old house vs recent construction: the impact on your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The age of your building is one of the most important factors in your premium. Here&#8217;s why, and how to optimize. <\/p>\n<h3>Houses built before 1960<\/h3>\n<div style=\"background: #fef2f2; border-radius: 12px; padding: 20px; margin: 16px 0;\">\n<ul style=\"margin: 0; font-size: 14px; line-height: 2;\">\n<li><strong>Cast iron or lead plumbing<\/strong> \u2014 high risk of leakage, some insurers refuse<\/li>\n<li><strong>Fused electricity or aluminum wiring<\/strong> \u2014 fire hazard, premium increased from 15% to 30%<\/li>\n<li><strong>Rubble stone foundation<\/strong> \u2014 water infiltration, less stability<\/li>\n<li><strong>Oil heating<\/strong> \u2014 risk of spillage, endorsement required, premium + 10 to 20%<\/li>\n<li><strong>Aging roofing<\/strong> \u2014 if more than 20 years old, some insurers charge a higher deductible<\/li>\n<\/ul>\n<\/div>\n<h3>Recent construction (after 2010)<\/h3>\n<div style=\"background: #f0fdf4; border-radius: 12px; padding: 20px; margin: 16px 0;\">\n<ul style=\"margin: 0; font-size: 14px; line-height: 2;\">\n<li><strong>PEX\/copper plumbing<\/strong> \u2014 reliable, no overload<\/li>\n<li><strong>CSA electricity \u2014<\/strong> circuit breakers, dedicated circuit, discount possible<\/li>\n<li><strong>Poured concrete foundation<\/strong> \u2014 excellent strength, low risk of infiltration<\/li>\n<li><strong>Electric heating or heat pump<\/strong> \u2014 lower premium<\/li>\n<li><strong>30-year architectural roofing<\/strong> \u2014 no overload, sometimes a discount<\/li>\n<\/ul>\n<\/div>\n<p><strong>Tip:<\/strong> If you own an older home, every <em>major<\/em> renovation can reduce your premium. Redoing the electrical panel ($2,000 to $4,000) can lower your premium by <strong>$200 to $400 per year<\/strong> \u2014 the panel pays for itself in 5 to 10 years. The same logic applies to plumbing and roofing.  <\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Checklist-Are-you-properly-insured-in-2026\"><\/span>Checklist: Are you properly insured in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Take 5 minutes to check these points. If you answer &#8220;no&#8221; or &#8220;don&#8217;t know&#8221; to more than two questions, it&#8217;s time to review your coverage. <\/p>\n<div style=\"background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px; margin: 24px 0;\">\n<ul style=\"list-style: none; margin: 0; padding: 0; font-size: 15px; line-height: 2.2;\">\n<li>\u2610 My building coverage amount reflects the <strong>reconstruction cost 2026<\/strong> (not the purchase price)<\/li>\n<li>\u2610 I have a <strong>sewer backup<\/strong> endorsement<\/li>\n<li>\u2610 I have a <strong>land flood<\/strong> endorsement (especially if a finished basement)<\/li>\n<li>\u2610 I have a <strong>replacement cost<\/strong> endorsement for my belongings<\/li>\n<li>\u2610 My liability is at least <strong>$1,000,000<\/strong> ($2,000,000 if pool\/trampoline\/dog)<\/li>\n<li>\u2610 I have declared all <strong>the renovations<\/strong> of the last 5 years to my insurer<\/li>\n<li>\u2610 My inventory of goods is <strong>up to date<\/strong> (photos + invoices kept)<\/li>\n<li>\u2610 My deductible is at a level that I can <strong>pay tomorrow morning<\/strong><\/li>\n<li>\u2610 My car and home insurance are with the same insurer (or I checked that it&#8217;s cheaper separately)<\/li>\n<li>\u2610 I <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">have compared at least 3 submissions in the<\/a> last 12 months<\/li>\n<li>\u2610 I know the <strong>exact date<\/strong> of my renewal (and I shop 30-60 days before)<\/li>\n<li>\u2610 My basement has a <strong>check valve<\/strong> and a working <strong>sump pump<\/strong><\/li>\n<\/ul>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-role-of-the-broker-vs-direct-insurance-what-to-choose-in-2026\"><\/span>The role of the broker vs. direct insurance: what to choose in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In 2026, you have two ways to buy your home insurance in Quebec. Both are legitimate, but they are not equal for everyone. <\/p>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; margin: 24px 0;\">\n<div style=\"background: white; border: 2px solid #10c4c7; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 12px;\">Property and Casualty Insurance Broker<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>Compare prices from <strong>multiple insurers<\/strong> for you<\/li>\n<li>Represents <em>you<\/em>, not the insurer<\/li>\n<li>Expertise for complex properties (old houses, cottages, previous claims)<\/li>\n<li>Claims assistance \u2014 advocates for you<\/li>\n<li>Free for the consumer<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #10c4c7; font-weight: 600; margin-top: 12px;\">Ideal if: you want the best price without doing the work yourself<\/p>\n<\/div>\n<div style=\"background: white; border: 1px solid #e2e8f0; border-radius: 12px; padding: 24px;\">\n<div style=\"font-size: 16px; font-weight: bold; color: #0d1f2d; margin-bottom: 12px;\">Direct insurer (Belair, The Personal, etc.)<\/div>\n<ul style=\"font-size: 14px; line-height: 1.9; color: #334155; margin: 0; padding-left: 20px;\">\n<li>One insurer \u2014 one price<\/li>\n<li>Represents the insurer, not you<\/li>\n<li>Processes that are often 100% online<\/li>\n<li>Can be competitive for simple profiles (recent construction, no claims)<\/li>\n<li>No automatic comparison<\/li>\n<\/ul>\n<p style=\"font-size: 13px; color: #64748b; font-weight: 600; margin-top: 12px;\">Ideal if: recent property, simple profile, 100% online<\/p>\n<\/div>\n<\/div>\n<p>Our recommendation: <strong>start with a broker<\/strong>. Get the best price on the market, then check to see if your direct insurer can beat that price.  You can check that your broker is in good standing on <a href=\"https:\/\/www.chad.ca\/fr\/consommateurs\/registre-des-representants\" target=\"_blank\" rel=\"noopener\">the CHAD register<\/a>.<\/p>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"7-concrete-strategies-to-reduce-your-home-premium-in-2026\"><\/span>7 concrete strategies to reduce your home premium in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"margin: 24px 0;\">\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>1. Increase your deductible<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">Going from $500 to $1,000 or $2,000 can reduce your premium by <strong>10% to 25%.<\/strong> Just make sure you can pay this amount in the event of a claim. <\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>2. Combine car + home<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">5% to 15% discount on each policy. It&#8217;s the easiest discount to get \u2014 just ask. <\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>3. Install prevention devices<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">Connected water leak detector, centralized alarm, cameras, check valve. Discount of 5% to 15% depending on the insurer. <\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>4. Renovate at-risk systems<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">Electrical, plumbing, roofing, heating \u2014 each upgrade reduces your premium and improves your comfort.<\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>5. Maintain a good claim record<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">Each claim remains on file for 5 to 7 years. Think before you claim for a small amount \u2014 sometimes paying out of pocket preserves your discount in the long run. <\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>6. Don&#8217;t overinsure<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">Your land and foundation survive most disasters. Insure the <strong>reconstruction<\/strong> value, not the market value (which includes the land). Rebuilding often costs 30% less than market value.  <\/p>\n<\/div>\n<div style=\"background: white; border-left: 4px solid #10c4c7; padding: 16px 20px; margin-bottom: 12px; border-radius: 0 8px 8px 0;\"><strong>7. Compare each year<\/strong>\n<p style=\"margin: 8px 0 0; font-size: 14px; color: #334155;\">The fee schedules change every year. The cheapest insurer last year may no longer be the cheapest this year. <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">2 minutes of comparison<\/a> can save you $400 per year. <\/p>\n<\/div>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-claim-a-step-by-step-guide\"><\/span>What to do in the event of a claim: a step-by-step guide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A disaster is stressful. Follow these 6 steps to maximize your compensation and speed up the process. <\/p>\n<div style=\"margin: 24px 0;\">\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">1<\/div>\n<div><strong style=\"font-size: 15px;\">Ensure occupant safety<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">Call 911 if necessary (fire, major damage). Evacuate if the building is unsafe. <\/p>\n<\/div>\n<\/div>\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">2<\/div>\n<div><strong style=\"font-size: 15px;\">Limit the damage<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">Turn off the main water, cover a broken window, place buckets. It&#8217;s your legal obligation \u2014 but don&#8217;t take any chances. <\/p>\n<\/div>\n<\/div>\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">3<\/div>\n<div><strong style=\"font-size: 15px;\">Document everything<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">Photos, videos, notes. Document every part touched, every item damaged. The more evidence you have, the faster and more complete compensation will be.  <\/p>\n<\/div>\n<\/div>\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">4<\/div>\n<div><strong style=\"font-size: 15px;\">Contact your insurer within 24 hours<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">Most insurers have a 24\/7 claims line. The sooner you report, the more effective the treatment. <\/p>\n<\/div>\n<\/div>\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">5<\/div>\n<div><strong style=\"font-size: 15px;\">Don&#8217;t throw anything away before the expert&#8217;s visit<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">The claims adjuster must note the damage. If you have ever cleaned or disposed of property, the compensation may be reduced. <\/p>\n<\/div>\n<\/div>\n<div style=\"display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px;\">\n<div style=\"background: #10c4c7; color: white; min-width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 16px;\">6<\/div>\n<div><strong style=\"font-size: 15px;\">Keep all your receipts<\/strong>\n<p style=\"font-size: 14px; color: #334155; margin: 4px 0 0;\">Temporary accommodation, meals, emergency cleaning \u2014 it&#8217;s all refundable if your policy includes additional living expenses.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- ============================================================ --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-2026-specific-questions\"><\/span>FAQs \u2014 2026-specific questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Will home insurance premiums increase in 2026 in Quebec?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Yes, the general trend is upward from 5% to 12% in 2026, mainly due to climatic events and the increase in the cost of reconstruction materials. Homeowners in flood zones or with a history of claims could see increases of 15% or more. Comparing multiple insurers remains the best way to counter the trend \u2014 differences between insurers can be as high as 50 to 70 per cent.  <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">My home is in a flood zone \u2014 can I get insured?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Yes, but with limitations. Building and contents insurance remains available for most properties in flood zones. On the other hand, the overland flood endorsement can be refused or very expensive. Since 2024, some insurers have been using the CEHQ&#8217;s precise mapping to assess the risk address by address. A broker can help you find insurers that still accept properties in risk areas.    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Do connected leak detectors really give a discount?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Yes, in 2026, at least 5 Quebec insurers are offering a 5% to 10% discount for the installation of a water leak detection system with automatic shut-off (such as Moen Flo, Phyn or WALLY). The cost of the device ($400 to $1,200 installed) is recouped in 3 to 5 years thanks to the rebate \u2014 and above all, it can prevent damage of $30,000 to $100,000. Ask your broker which systems are recognized by your insurer.  <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">How does proportional rule work?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>If your building would cost $400,000 to rebuild but you&#8217;re insured for only $300,000 (75%), the proportional rule reduces your benefit for a partial loss by the same amount. A $20,000 damage would only earn you $15,000 (75%). To avoid this penalty, insure your building to at least 80% of its reconstruction value \u2014 ideally 100%. Have it reassessed every 3 to 5 years.   <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Does insurance cover earthquakes in Quebec?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>No, not by default. You need a specific endorsement that costs between $100 and $400 per year depending on your zone. Quebec is in an active seismic zone \u2014 the St. Lawrence Valley, Charlevoix and the Outaouais are the regions most at risk. The endorsement is recommended if your property is in these areas. In 2024-2025, the small earthquakes felt in Montreal have pushed more homeowners to add this protection.    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Do I need special insurance for a cottage?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Yes. A cottage is a second home with specific risks: prolonged vacancy (frozen pipes in winter), distance from emergency services, limited access in winter. Insurers often require: draining the plumbing in winter OR keeping the heating at 10\u00b0C+, periodic visits by a third party, and monitoring systems. The premium is usually 20 to 40% higher than an equivalent primary residence.  <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Does my home insurance cover telecommuting?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>A basic home office (computer, monitor, chair) is usually covered under your standard content. On the other hand, if you receive clients at home, store commercial inventory or have expensive business equipment (over $5,000), a home office endorsement or supplemental business insurance is required. Always inform your insurer of your telework situation \u2013 a false statement could jeopardize a claim.  <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Which liability coverage should I choose?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>Recommended minimum: $1,000,000. If you have a pool, trampoline, large breed dog, or rent out part of your property (Airbnb), consider $2,000,000. The difference in premium between $1 million and $2 million is often as little as $30 to $60 per year \u2014 minimal protection against a potentially devastating risk. A neighbour&#8217;s child is injured in your swimming pool? Medical and legal costs can easily exceed $500,000.    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">Can I rent out my property on Airbnb with my standard insurance?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>No, in most cases. Short-term rentals (Airbnb, VRBO) change the risk profile of your property and are usually not covered by standard home insurance. You need either a tourist accommodation endorsement or commercial insurance. If you do not declare the rental and a claim occurs during a guest&#8217;s stay, your claim may be denied. Some insurers now offer specific endorsements for occasional rentals (less than 30 days per year).    <\/p>\n<\/div>\n<\/details>\n<details style=\"border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px; margin-bottom: 8px;\">\n<summary style=\"font-weight: bold; cursor: pointer; font-size: 15px;\">How long after a loss can I receive my compensation?<\/summary>\n<div style=\"margin-top: 12px; color: #334155; font-size: 14px; line-height: 1.7;\">\n<p>The time varies depending on the complexity of the claim. A minor pipe break: 2 to 4 weeks. A partial fire: 1 to 3 months. A major loss (total loss): 3 to 6 months. Most insurers offer advances for urgent living expenses within 48 to 72 hours. To speed up the process: document everything with photos\/videos, provide your inventory of assets quickly, and respond to the expert&#8217;s requests without delay.     <\/p>\n<\/div>\n<\/details>\n<\/div>\n<p><!-- CTA FINAL --><\/p>\n<div style=\"background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); border-radius: 16px; padding: 48px 32px; text-align: center; margin: 40px 0;\">\n<h3 style=\"color: white; font-size: 26px; margin-bottom: 12px;\">Your guide is read. Take action. <\/h3>\n<p style=\"color: #94a3b8; margin-bottom: 8px; font-size: 16px;\">Compare prices from 9 AMF-certified Quebec home insurers. In 2 minutes, you&#8217;ll know how much you can save. <\/p>\n<p style=\"color: #10c4c7; margin-bottom: 24px; font-size: 14px; font-weight: 600;\">Average savings from our clients: $400 per year<\/p>\n<p><a style=\"background: #10c4c7; color: white; padding: 18px 56px; border-radius: 30px; text-decoration: none; font-weight: bold; font-size: 20px; display: inline-block;\" href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\">Compare my prices 2026<\/a><\/p>\n<\/div>\n<p><!-- Liens internes --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Explore-our-guides-and-resources\"><\/span>Explore our guides and resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin: 24px 0;\">\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Home Insurance \u2014 Coverages<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Formulas, endorsements and protections explained in detail.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Condo insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Specific coverage for co-owners.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Car insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Bundle home + car for a 5-15% discount.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">2026 Car Guide<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Rates, trends and tips for motorists.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Business Insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Protect your business and your employees.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Boat insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Coverage for your boat in Quebec.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">Motorcycle insurance<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">Coverage for your motorcycle in Quebec.<\/div>\n<div style=\"font-size: 15px; font-weight: bold; color: #0d1f2d; margin-bottom: 4px;\">General FAQ<\/div>\n<div style=\"font-size: 13px; color: #64748b;\">All your questions about insurance in Quebec.<\/div>\n<\/div>\n<p><!-- Ressources externes de confiance --><\/p>\n<h3>Useful official resources<\/h3>\n<ul style=\"font-size: 14px; line-height: 2; color: #334155;\">\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-habitation\" target=\"_blank\" rel=\"noopener\">AMF \u2014 Home Insurance<\/a> \u2014 Your Rights, Register of Authorized Insurers<\/li>\n<li><a href=\"https:\/\/www.chad.ca\/fr\/consommateurs\" target=\"_blank\" rel=\"noopener\">CHAD \u2014 Chambre de l&#8217;assurance de dommages<\/a> \u2014 Check your broker&#8217;s certifications<\/li>\n<li><a href=\"https:\/\/educaloi.qc.ca\/capsules\/lassurance-habitation\/\" target=\"_blank\" rel=\"noopener\">\u00c9ducaloi \u2014 Home insurance<\/a> \u2014 Your legal obligations explained simply<\/li>\n<li><a href=\"https:\/\/www.bac-quebec.qc.ca\/\" target=\"_blank\" rel=\"noopener\">IBC Insurance Bureau of Canada<\/a> Claims Data and Prevention<\/li>\n<li><a href=\"https:\/\/www.apchq.com\/\" target=\"_blank\" rel=\"noopener\">APCHQ \u2014 Construction and Housing<\/a> \u2014 Construction and Renovation Costs in Quebec<\/li>\n<li><a href=\"https:\/\/www.protegez-vous.ca\/argent\/assurance-habitation\" target=\"_blank\" rel=\"noopener\">Protect Yourself \u2014 Home Insurance<\/a> \u2014 Independent Comparisons and Consumer Advice<\/li>\n<li><a href=\"https:\/\/www.cehq.gouv.qc.ca\/zones-inond\/\" target=\"_blank\" rel=\"noopener\">CEHQ \u2014 Flood zones<\/a> \u2014 Check if your property is in a risk zone<\/li>\n<\/ul>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance habitation au Qu\u00e9bec en 2026 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le prix moyen d'une assurance habitation au Qu\u00e9bec se situe entre 800 $ et 2 000 $ par ann\u00e9e, selon la valeur de la propri\u00e9t\u00e9, l'emplacement, la franchise et les protections choisies. Obtenez une soumission gratuite pour conna\u00eetre votre prix exact.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les protections incluses dans une assurance habitation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une assurance habitation standard couvre g\u00e9n\u00e9ralement l'incendie, le vol, le vandalisme, les d\u00e9g\u00e2ts d'eau (sauf refoulement d'\u00e9gout, en option), la responsabilit\u00e9 civile et les frais de subsistance si votre domicile est inhabitable. V\u00e9rifiez les exclusions avec votre courtier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-il obligatoire d'avoir une assurance habitation au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance habitation n'est pas l\u00e9galement obligatoire au Qu\u00e9bec, mais elle est exig\u00e9e par la quasi-totalit\u00e9 des pr\u00eateurs hypoth\u00e9caires. Pour les locataires, elle est fortement recommand\u00e9e pour prot\u00e9ger vos biens et votre responsabilit\u00e9 civile.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>In 2026, the home insurance market in Quebec is undergoing a major transformation. Between the increase in climatic events, the increase in [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":45583,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Find out how to protect your home from climate change and rising material costs in 2026. Compare premiums quickly. 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