{"id":58245,"date":"2026-04-20T22:20:24","date_gmt":"2026-04-21T02:20:24","guid":{"rendered":"https:\/\/www.assur360.ca\/tools\/free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360\/"},"modified":"2026-04-23T18:16:58","modified_gmt":"2026-04-23T22:16:58","slug":"free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360\/","title":{"rendered":"Free Insurance Quiz 2026 \u2014 What Insurance Do You Need in Quebec? | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.page-primary-header{display:none!important}\n*{box-sizing:border-box}\n.qa-quiz-wrap{border:2px solid #e2e8f0;border-radius:16px;overflow:hidden;margin:20px 0 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a:hover{background:#475569}\n.qa-profil-box{background:#f8fafc;border-radius:12px;padding:24px;margin-bottom:30px}\n.qa-profil-box h3{margin:0 0 12px;color:#0d1f2d;font-size:1.05rem}\n.qa-profil-tags{display:flex;flex-wrap:wrap;gap:8px}\n.qa-profil-tag{background:#fff;border:1px solid #e2e8f0;border-radius:20px;padding:6px 14px;font-size:.85rem;color:#475569}\n@media(max-width:768px){\n.qa-header{flex-direction:column;text-align:center}\n.qa-options{grid-template-columns:1fr}\n.qa-result-grid{grid-template-columns:1fr}\n.qa-body{padding:25px 18px}\n}\n<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 20px;text-align:center;border-radius:0 0 20px 20px;margin-bottom:40px\">\n<p style=\"color:#fff;font-size:2.2rem;margin:0 0 15px;line-height:1.2;font-weight:800\">What insurance do you need?<\/p>\n<p style=\"color:#b0c4d8;font-size:1.1rem;max-width:720px;margin:0 auto 25px;line-height:1.6\">Answer 8 simple questions and get your personalized recommendations in 2 minutes. 100% free, no registration required. <\/p>\n<div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap\">\n<a href=\"#quiz-section\" style=\"display:inline-block;background:#0da8ab;color:#fff;padding:16px 36px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem\">\ud83c\udfaf Start Quiz<\/a>\n<a href=\"\/soumission-gratuite\/\" style=\"display:inline-block;background:transparent;color:#fff;padding:16px 36px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem;border:2px solid #fff\">\ud83d\udccb Direct Submission<\/a>\n<\/div>\n<p style=\"color:#64748b;font-size:.85rem;margin-top:12px\">8 questions \u2022 2 minutes \u2022 Instant results<\/p>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:900px;margin:0 auto 50px;padding:0 20px\">\n<div style=\"text-align:center;padding:20px 10px\">\n<div style=\"font-size:2rem;font-weight:800;color:#0da8ab\">8<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Simple questions<\/div>\n<\/div>\n<div style=\"text-align:center;padding:20px 10px\">\n<div style=\"font-size:2rem;font-weight:800;color:#0da8ab\">15+<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Products Analyzed<\/div>\n<\/div>\n<div style=\"text-align:center;padding:20px 10px\">\n<div style=\"font-size:2rem;font-weight:800;color:#0da8ab\">2 min<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">For your results<\/div>\n<\/div>\n<div style=\"text-align:center;padding:20px 10px\">\n<div style=\"font-size:2rem;font-weight:800;color:#0da8ab\">100%<\/div>\n<div style=\"color:#64748b;font-size:.9rem;margin-top:4px\">Free<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-do-the-quiz\"><\/span>Why do the quiz?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, <strong>more than 40% of households are underinsured<\/strong> without knowing it. Between mandatory car insurance, essential home, and often-forgotten coverage (life, recreational vehicles, business), it&#8217;s easy to miss out on important coverage. This quiz analyzes your situation in 8 questions and recommends <strong>exactly the insurance you need<\/strong> \u2014 no more, no less.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"quiz-section\"><span class=\"ez-toc-section\" id=\"Start-your-custom-analysis\"><\/span>Start your custom analysis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"qa-quiz-wrap\" id=\"qaQuizWrap\">\n<div class=\"qa-header\">\n<div class=\"qa-header-left\">\n<h3>Analysis of your insurance needs<\/h3>\n<p>Question <span id=\"qaCurrentQ\">1<\/span> of 8<\/p>\n<\/div>\n<div class=\"qa-step-pills\" id=\"qaStepPills\">\n<div class=\"qa-pill active\">1<\/div>\n<div class=\"qa-pill\">2<\/div>\n<div class=\"qa-pill\">3<\/div>\n<div class=\"qa-pill\">4<\/div>\n<div class=\"qa-pill\">5<\/div>\n<div class=\"qa-pill\">6<\/div>\n<div class=\"qa-pill\">7<\/div>\n<div class=\"qa-pill\">8<\/div>\n<\/div>\n<\/div>\n<div class=\"qa-body\">\n<div class=\"qa-progress\"><div class=\"qa-progress-fill\" id=\"qaProgress\" style=\"width:12.5%\"><\/div><\/div>\n\n<!-- Question 1 -->\n<div class=\"qa-question active\" data-q=\"1\">\n<h3>What is your type of residence?<\/h3>\n<p class=\"qa-subtitle\">Your home determines the type of home coverage you need.<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(1,this,'proprio_maison')\"><span class=\"qa-icon\">\ud83c\udfe0<\/span><div><strong>Homeowner<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Single-family, semi-detached or townhouse<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(1,this,'proprio_condo')\"><span class=\"qa-icon\">\ud83c\udfe2<\/span><div><strong>Owner of a condo<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Divided co-ownership<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(1,this,'locataire')\"><span class=\"qa-icon\">\ud83d\udd11<\/span><div><strong>Tenant<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Apartment or house for rent<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(1,this,'aucun')\"><span class=\"qa-icon\">\ud83d\udc64<\/span><div><strong>I don&#8217;t have a residence to insure<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Staying with a relative<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><div><\/div><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(2)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 2 -->\n<div class=\"qa-question\" data-q=\"2\">\n<h3>How many vehicles do you own?<\/h3>\n<p class=\"qa-subtitle\">Include all registered vehicles (car, truck, SUV).<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(2,this,'0')\"><span class=\"qa-icon\">\ud83d\udeb6<\/span><div><strong>No vehicles<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Public transit or carpooling<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(2,this,'1')\"><span class=\"qa-icon\">\ud83d\ude97<\/span><div><strong>1 vehicle<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(2,this,'2')\"><span class=\"qa-icon\">\ud83d\ude97\ud83d\ude97<\/span><div><strong>2 vehicles<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(2,this,'3+')\"><span class=\"qa-icon\">\ud83c\udd7f\ufe0f<\/span><div><strong>3 or more vehicles<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Fleet insurance option<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(1)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(3)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 3 -->\n<div class=\"qa-question\" data-q=\"3\">\n<h3>Do you own recreational vehicles?<\/h3>\n<p class=\"qa-subtitle\">Select all that apply.<\/p>\n<p class=\"qa-multi-hint\">Multiple choices \u2014 click to select\/deselect<\/p>\n<div class=\"qa-options\" style=\"grid-template-columns:1fr 1fr\">\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'moto')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83c\udfcd\ufe0f<\/span><span>Motorcycle<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'motoneige')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\u2744\ufe0f<\/span><span>Snowmobile<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'quad')\"><span class=\"qa-checkbox\">\u2713<\/span> <span class=\"qa-icon\">\ud83c\udfd4\ufe0f<\/span><span>Mountain biking \/ Quad<\/span> biking<\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'bateau')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\u26f5<\/span><span>Boat \/ Personal Watercraft<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'vr')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83d\ude90<\/span><span>RV \/ Motorhome \/ Trailer<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(3,this,'antique')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83c\udfce\ufe0f<\/span><span>Antique \/ Classic Vehicle<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(2)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(4)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 4 -->\n<div class=\"qa-question\" data-q=\"4\">\n<h3>What is your professional situation?<\/h3>\n<p class=\"qa-subtitle\">Some professional activities require specific coverage.<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(4,this,'salarie')\"><span class=\"qa-icon\">\ud83d\udcbc<\/span><div><strong>Employee<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Employee of a company<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(4,this,'autonome')\"><span class=\"qa-icon\">\ud83c\udfe1<\/span><div><strong>Self-employed at home<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Freelance, consultant, freelancer<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(4,this,'pme')\"><span class=\"qa-icon\">\ud83c\udfea<\/span><div><strong>Small Business Owner<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Retail, restaurant, professional office<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(4,this,'entrepreneur')\"><span class=\"qa-icon\">\ud83c\udfd7\ufe0f<\/span><div><strong>Contractor \/ Construction<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">General or specialized contractor<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(4,this,'retraite')\"><span class=\"qa-icon\">\ud83c\udf34<\/span><div><strong>Retired<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(3)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(5)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 5 -->\n<div class=\"qa-question\" data-q=\"5\">\n<h3>What is your family situation?<\/h3>\n<p class=\"qa-subtitle\">Your family influences your life insurance and protection needs.<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(5,this,'seul')\"><span class=\"qa-icon\">\ud83d\udc64<\/span><div><strong>Single without children<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(5,this,'couple')\"><span class=\"qa-icon\">\ud83d\udc6b<\/span><div><strong>As a couple without children<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Married or common-law partner<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(5,this,'famille_jeune')\"><span class=\"qa-icon\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/span><div><strong>Family with minor children<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Dependent children under 18 years of age<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(5,this,'famille_adulte')\"><span class=\"qa-icon\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66<\/span><div><strong>Family with adult children<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(4)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(6)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 6 -->\n<div class=\"qa-question\" data-q=\"6\">\n<h3>Do you own a cottage or a second home?<\/h3>\n<p class=\"qa-subtitle\">Include cottages, vacation homes, or land with buildings.<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(6,this,'oui')\"><span class=\"qa-icon\">\ud83c\udfd5\ufe0f<\/span><div><strong>Yes, a cottage or second home<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(6,this,'locatif')\"><span class=\"qa-icon\">\ud83c\udfd8\ufe0f<\/span><div><strong>Yes, a rental property (income)<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Duplex, triplex, income property<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(6,this,'non')\"><span class=\"qa-icon\">\u274c<\/span><div><strong>No<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(5)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(7)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 7 -->\n<div class=\"qa-question\" data-q=\"7\">\n<h3>Are you travelling outside of Canada?<\/h3>\n<p class=\"qa-subtitle\">Travel insurance covers emergency medical expenses abroad.<\/p>\n<div class=\"qa-options\">\n<div class=\"qa-option\" onclick=\"qaSelect(7,this,'jamais')\"><span class=\"qa-icon\">\ud83c\udfe0<\/span><div><strong>Never, or almost never<\/strong><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(7,this,'occasionnel')\"><span class=\"qa-icon\">\u2708\ufe0f<\/span><div><strong>1 to 2 trips per year<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">Annual vacation abroad<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<div class=\"qa-option\" onclick=\"qaSelect(7,this,'frequent')\"><span class=\"qa-icon\">\ud83c\udf0d<\/span><div><strong>Frequent flyer<\/strong><br \/><span style=\"color:#64748b;font-size:.85rem\">3+ trips per year or snowbird<\/span><\/div><span class=\"qa-check\">\u2713<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(6)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaGoTo(8)\">Next \u2192<\/button><\/div>\n<\/div>\n\n<!-- Question 8 -->\n<div class=\"qa-question\" data-q=\"8\">\n<h3>Do you have any particular concerns?<\/h3>\n<p class=\"qa-subtitle\">Select all that apply.<\/p>\n<p class=\"qa-multi-hint\">Multiple choices \u2014 click to select\/deselect<\/p>\n<div class=\"qa-options\" style=\"grid-template-columns:1fr 1fr\">\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'dossier')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\u26a0\ufe0f<\/span><span>Challenging driving record<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'credit')\"><span class=\"qa-icon\">\ud83d\udcb3<\/span> <span class=\"qa-checkbox\">\u2713<\/span><span>Poor credit history<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'sinistre')\"><span class=\"qa-checkbox\">\u2713<\/span> <span class=\"qa-icon\">\ud83d\udd25<\/span><span>Claims history<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'refus')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83d\udeab<\/span><span>Refused by an insurer<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'hypotheque')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83c\udfe6<\/span><span>Mortgage to protect<\/span><\/div>\n<div class=\"qa-option-multi\" onclick=\"qaToggleMulti(8,this,'succession')\"><span class=\"qa-checkbox\">\u2713<\/span><span class=\"qa-icon\">\ud83d\udcdc<\/span><span>Estate planning<\/span><\/div>\n<\/div>\n<div class=\"qa-nav\"><button class=\"qa-btn qa-btn-outline\" onclick=\"qaGoTo(7)\">\u2190 Previous<\/button><button class=\"qa-btn qa-btn-primary\" onclick=\"qaShowResults()\" style=\"font-size:1.05rem;padding:14px 32px\">\ud83c\udfaf See my results<\/button><\/div>\n<\/div>\n\n<!-- Results -->\n<div class=\"qa-result-wrap\" id=\"qaResults\">\n<div class=\"qa-result-score\">\n<div class=\"qa-big-number\" id=\"qaResultCount\">0<\/div>\n<p>Recommended insurance for your profile<\/p>\n<\/div>\n<div class=\"qa-profil-box\">\n<h3>\ud83d\udccb Your profile<\/h3>\n<div class=\"qa-profil-tags\" id=\"qaProfilTags\"><\/div>\n<\/div>\n<h3 style=\"color:#0d1f2d;margin:0 0 5px;font-size:1.15rem\">\u2705 Essential insurance for you<\/h3>\n<p style=\"color:#64748b;margin:0 0 18px;font-size:.9rem\">These coverages are highly recommended according to your profile.<\/p>\n<div class=\"qa-result-grid\" id=\"qaEssentialGrid\"><\/div>\n<div id=\"qaOptionalSection\" style=\"display:none\">\n<h3 style=\"color:#0d1f2d;margin:30px 0 5px;font-size:1.15rem\">\ud83d\udca1 Insurance to consider<\/h3>\n<p style=\"color:#64748b;margin:0 0 18px;font-size:.9rem\">These protections could be useful depending on your situation.<\/p>\n<div class=\"qa-result-grid\" id=\"qaOptionalGrid\"><\/div>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:35px 25px;text-align:center;margin:35px 0 10px\">\n<h3 style=\"color:#fff;margin:0 0 10px;font-size:1.2rem\">Ready to get your prizes?<\/h3>\n<p style=\"color:#b0c4d8;margin:0 0 20px;font-size:.95rem\">An Assur360 broker compares offers from 20+ insurers for you.<\/p>\n<div style=\"display:flex;gap:12px;justify-content:center;flex-wrap:wrap\">\n<a href=\"\/soumission-gratuite\/\" style=\"display:inline-block;background:#0da8ab;color:#fff;padding:14px 28px;border-radius:8px;text-decoration:none;font-weight:700;font-size:.95rem\">\ud83d\udccb Free<\/a>\n quote<button class=\"qa-btn qa-btn-outline\" onclick=\"qaRestart()\" style=\"color:#fff;border-color:rgba(255,255,255,.4)\">\u21bb Retake the quiz<\/button>\n<\/div>\n<p style=\"color:#64748b;font-size:.85rem;margin-top:12px\">\ud83d\udcde 1-866-357-4451 \u2014 Free consultation<\/p>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-insurance-in-Quebec\"><\/span>Essential insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, some insurance is <strong>mandatory<\/strong>, others are strongly recommended. Here is an overview of the most common coverages: <\/p>\n\n<div style=\"overflow-x:auto;margin:30px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:8px;overflow:hidden\">\n<thead><tr style=\"background:#0d1f2d\">\n<th style=\"padding:14px 18px;text-align:left;color:#fff;font-weight:600\">Insurance<\/th>\n<th style=\"padding:14px 18px;text-align:left;color:#fff;font-weight:600\">Mandatory?<\/th>\n<th style=\"padding:14px 18px;text-align:left;color:#fff;font-weight:600\">For whom?<\/th>\n<th style=\"padding:14px 18px;text-align:left;color:#fff;font-weight:600\">Average price<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Auto<\/strong><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Yes (Third Party Liability)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">All vehicle owners<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$800 \u2013 $2,000\/year<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Housing<\/strong><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">No (but required by lenders)<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Homeowners and renters<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$500 \u2013 $1,500\/year<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Families<\/strong><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">with children, mortgage<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$25 \u2013 $100\/month<\/td><\/tr>\n<tr><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Business<\/strong><\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">By sector<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Any entrepreneur or SME<\/td><td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$500 \u2013 $5,000\/year<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 18px\">Non-Travelling<\/td> <td style=\"padding:12px 18px\"><strong>Trips<\/strong><\/td><td style=\"padding:12px 18px\">Outside Canada<\/td><td style=\"padding:12px 18px\">$30 \u2013 $200\/trip<\/td><\/tr>\n<\/tbody><\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #0da8ab;border-radius:14px;padding:28px 32px;margin:30px 0 40px\">\n<p style=\"color:#0da8ab;font-weight:700;font-size:16px;margin:0 0 8px;\">\ud83d\udca1 Did you know?<\/p>\n<p style=\"color:rgba(255,255,255,.9);font-size:15px;line-height:1.7;margin:0;\">An <strong>independent insurance broker<\/strong> compares offers from several insurers to find you the best value for your money. Unlike an agent who represents a single insurer, the broker works for <strong>you<\/strong>. On average, our clients save between <strong>$200 and $600<\/strong> per year by using an Assur360 broker.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-free-tools-to-protect-you\"><\/span>Our free tools to protect you<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:15px;margin:20px 0 40px\">\n<a href=\"https:\/\/www.assur360.ca\/en\/tools\/free-will-in-quebec-2026-word-template-guide-assur360\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none\">\n<strong style=\"color:#0d1f2d\">\ud83d\udcdd Free Will<\/strong><p style=\"color:#64748b;margin:8px 0 0;font-size:.9rem\">Fill in online or download the Word<\/p><\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/free-protection-mandate-quebec-2026-template-word\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none\">\n<strong style=\"color:#0d1f2d\">\ud83d\udccb Protection mandate<\/strong><p style=\"color:#64748b;margin:8px 0 0;font-size:.9rem\">Free model in case of incapacity<\/p><\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/tools\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none\">\n<strong style=\"color:#0d1f2d\">\ud83c\udfe6 All our tools<\/strong><p style=\"color:#64748b;margin:8px 0 0;font-size:.9rem\">Calculators, Guides  Resources<\/p><\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none\">\n<strong style=\"color:#0d1f2d\">\ud83c\udfaf Free quote<\/strong><p style=\"color:#64748b;margin:8px 0 0;font-size:.9rem\">Compare 9+ insurers in one application<\/p><\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cities-served-in-Quebec\"><\/span>Cities served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Our brokers certified by the <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong> serve all of Quebec. Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> or <strong>Saguenay<\/strong>, get quotes tailored to your region. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Insurance-quiz\"><\/span>Frequently asked questions \u2014 Insurance quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What insurance is mandatory in Quebec?<\/summary>\n\n<p><strong>Automobile insurance (civil liability)<\/strong> is the only legally mandatory insurance in Quebec. However, home insurance is required by virtually all mortgage lenders. Business insurance is mandatory in certain regulated sectors (construction, professional services).  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How many different insurances does the average household need?<\/summary>\n\n<p>A typical Quebec household (homeowner couple with 2 vehicles and children) usually needs <strong>3 to 5 insurances<\/strong> : auto (mandatory), home, life, and potentially RV or travel insurance.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can you bundle your insurance to save money?<\/summary>\n\n<p><strong>Yes!<\/strong>  Bundling (multi-product) is one of the best ways to save. By combining car + home with the same insurer, you can get a discount of <strong>5% to 15%.<\/strong> A broker can identify the best combinations. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Why go through a broker rather than a direct insurer?<\/summary>\n\n<p>An <strong>independent broker<\/strong> compares the offers of several insurers (9+ at Assur360) to find the best value for money. A direct insurer only offers its own products. The broker&#8217;s service is <strong>free<\/strong> \u2014 his commission is paid by the insurer.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How do I know if I am underinsured?<\/summary>\n\n<p>You&#8217;re underinsured if: your home coverage doesn&#8217;t reflect the <strong>rebuilding value<\/strong> of your property, your auto liability is at a legal minimum of $50,000, or you don&#8217;t have life insurance even though you have a mortgage or dependents.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is liability insurance?<\/summary>\n\n<p><strong>Third-party liability<\/strong> insurance protects you if you cause damage to others (injuries or property damage). It is included in your car insurance (mandatory, minimum $50,000, recommended $2 million) and in your home insurance. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is home insurance mandatory for tenants?<\/summary>\n\n<p>It is <strong>not legally mandatory<\/strong>, but it is strongly recommended and often required by the owner. It covers your personal belongings, liability and living expenses in the event of a claim. Its cost is usually between <strong>$200 and $500<\/strong> per year.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Do I need life insurance if I&#8217;m single?<\/summary>\n\n<p>If you are single <strong>with no dependents and no debt<\/strong>, life insurance is not a priority. On the other hand, if you have a mortgage, a co-signed car loan, or if you want to cover your funeral expenses, a small policy may make sense. Premiums are very low when you&#8217;re young.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Are the quiz results reliable?<\/summary>\n\n<p>This quiz provides <strong>general recommendations<\/strong> based on your profile. It is not a substitute for a full analysis by a broker. For personalized recommendations and exact pricing, request a <strong>free quote<\/strong> \u2014 an Assur360 broker will analyze your situation in detail.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does a consultation with an Assur360 broker cost?<\/summary>\n\n<p><strong>It&#8217;s 100% free.<\/strong>  Consultation, comparison and quotes are free of charge and without obligation. The broker is paid by the insurer of your choice \u2014 you pay nothing more than by going directly to the insurer.<\/p>\n\n<\/details>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:30px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 15px;font-size:1.1rem\">\ud83c\udfc6 Why trust Assur360?<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:15px\">\n<div style=\"display:flex;align-items:center;gap:10px\"><span style=\"color:#0da8ab;font-size:1.3rem\">\u2713<\/span><span style=\"color:#475569\">AMF certified brokers<\/span><\/div>\n<div style=\"display:flex;align-items:center;gap:10px\"><span style=\"color:#0da8ab;font-size:1.3rem\">\u2713<\/span><span style=\"color:#475569\">9+ insurers compared<\/span><\/div>\n<div style=\"display:flex;align-items:center;gap:10px\"><span style=\"color:#0da8ab;font-size:1.3rem\">\u2713<\/span><span style=\"color:#475569\">100% free service<\/span><\/div>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:50px 30px;text-align:center;margin:40px 0\">\n<h2 style=\"color:#fff;margin:0 0 15px;font-size:1.6rem\"><span class=\"ez-toc-section\" id=\"Find-the-best-coverage-at-the-best-price\"><\/span>Find the best coverage at the best price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#b0c4d8;margin:0 0 25px;font-size:1.05rem;max-width:600px;display:inline-block;line-height:1.6\">An Assur360 broker compares more than 9 insurers for you. Free quote, no obligation. <\/p>\n<div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"display:inline-block;background:#0da8ab;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1rem\">\ud83d\udccb Free<\/a>\n quote<a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1rem;border:2px solid #fff\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Quelles sont les assurances obligatoires au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance automobile (responsabilit\u00e9 civile) est la seule assurance l\u00e9galement obligatoire au Qu\u00e9bec. L'assurance habitation est exig\u00e9e par les pr\u00eateurs hypoth\u00e9caires. L'assurance entreprise est obligatoire dans certains secteurs r\u00e9glement\u00e9s.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien d'assurances un m\u00e9nage moyen a-t-il besoin?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un m\u00e9nage qu\u00e9b\u00e9cois typique a g\u00e9n\u00e9ralement besoin de 3 \u00e0 5 assurances : auto, habitation, vie, et potentiellement des assurances pour v\u00e9hicules r\u00e9cr\u00e9atifs ou voyage.\"}},\n{\"@type\":\"Question\",\"name\":\"Peut-on regrouper ses assurances pour \u00e9conomiser?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui! En combinant auto et habitation chez le m\u00eame assureur, vous pouvez obtenir un rabais de 5% \u00e0 15%. 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Le service est gratuit \u2014 sa commission est pay\u00e9e par l'assureur.\"}},\n{\"@type\":\"Question\",\"name\":\"Comment savoir si je suis sous-assur\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous \u00eates sous-assur\u00e9 si votre couverture habitation ne refl\u00e8te pas la valeur de reconstruction, votre responsabilit\u00e9 civile auto est au minimum de 50 000 $, ou vous n'avez pas d'assurance vie avec une hypoth\u00e8que.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance habitation est-elle obligatoire pour les locataires?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Elle n'est pas l\u00e9galement obligatoire, mais elle est fortement recommand\u00e9e et souvent exig\u00e9e par le propri\u00e9taire. Son co\u00fbt est g\u00e9n\u00e9ralement entre 200 $ et 500 $ par ann\u00e9e.\"}},\n{\"@type\":\"Question\",\"name\":\"Ai-je besoin d'une assurance vie si je suis c\u00e9libataire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Si vous \u00eates c\u00e9libataire sans personne \u00e0 charge et sans dette, l'assurance vie n'est pas prioritaire. En revanche, si vous avez une hypoth\u00e8que ou un pr\u00eat cosign\u00e9, une petite police peut \u00eatre judicieuse.\"}},\n{\"@type\":\"Question\",\"name\":\"Les r\u00e9sultats du quiz sont-ils fiables?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ce quiz fournit des recommandations g\u00e9n\u00e9rales. Pour des recommandations personnalis\u00e9es et des prix exacts, demandez une soumission gratuite \u00e0 un courtier Assur360.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une consultation avec un courtier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C'est 100% gratuit. 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