{"id":74432,"date":"2026-06-08T12:37:28","date_gmt":"2026-06-08T16:37:28","guid":{"rendered":"https:\/\/www.assur360.ca\/tenant-insurance-montreal-2026-prices-by-borough\/"},"modified":"2026-06-08T12:38:03","modified_gmt":"2026-06-08T16:38:03","slug":"tenant-insurance-montreal-2026-prices-by-borough","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/tenant-insurance-montreal-2026-prices-by-borough\/","title":{"rendered":"Tenant Insurance Montreal 2026 \u2014 Prices by Borough"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you renting a studio in the <strong>Plateau-Mont-Royal<\/strong>, a 41\/2 in <strong>Verdun<\/strong>, a 51\/2 in <strong>Rosemont<\/strong> or a large triplex in <strong>Ahuntsic<\/strong> ? Your <strong>tenant insurance in Montreal<\/strong> does not cost the same depending on your borough, the age of the building and the risk of water damage. In 2026, the average indicative premium is around <strong>$17\/month<\/strong>, but can vary from $12 to more than $28 depending on your profile and address. <strong>Assur360<\/strong>, an independent comparison site, helps you shop around for your premium with AMF-certified partner firms \u2014 in minutes, anywhere on the island of Montreal.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;line-height:1;margin-bottom:8px;\">~$17<\/div>\n    <div style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Average price \/ month<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;line-height:1;margin-bottom:8px;\">19<\/div>\n    <div style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Boroughs<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;line-height:1;margin-bottom:8px;\">60 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Plex \/ duplex \/ triplex<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;line-height:1;margin-bottom:8px;\">$1M<\/div>\n    <div style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Minimum RC required<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;font-weight:700;\">MONTREAL \u00b7 2026<\/p>\n  <h3 style=\"color:#ffffff;font-size:30px;margin:0 0 16px;line-height:1.2;\">Tenant insurance in Montreal: prices by borough<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;font-size:16px;line-height:1.6;\">Compare the best 2026 prices in a few minutes from AMF-certified partner firms \u2014 Plateau, Verdun, Rosemont, NDG, Ahuntsic, Mercier and all the boroughs of the island.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Montreal Quote in 3 minutes \u2192<\/a>\n<\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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\/tenant-insurance-montreal-2026-prices-by-borough\/#How-much-does-tenant-insurance-cost-in-Montreal-in-2026\" >How much does tenant insurance cost in Montreal in 2026?<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Indicative-price-by-borough-of-Montreal\" >Indicative price by borough of Montreal<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Why-water-damage-is-expensive-in-Montreal\" >Why water damage is expensive in Montreal<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Coverages-specific-to-Montreal\" >Coverages specific to Montreal<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#How-to-Apply-in-Montreal-5-Simple-Steps\" >How to Apply in Montreal: 5 Simple Steps<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Frequently-Asked-Questions-%E2%80%94-Tenant-Insurance-Montreal-2026\" >Frequently Asked Questions \u2014 Tenant Insurance Montreal 2026<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Why-use-Assur360-in-Montreal\" >Why use Assur360 in Montreal<\/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\/tenant-insurance-montreal-2026-prices-by-borough\/#Other-Cities-and-Resources\" >Other Cities and Resources<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-tenant-insurance-cost-in-Montreal-in-2026\"><\/span>How much does tenant insurance cost in Montreal in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The price of tenant insurance in Montreal depends on four main factors: the <strong>size of the unit<\/strong>, the <strong>borough<\/strong>, the <strong>age of the building<\/strong> (plumbing, electricity) and the <strong>value of your belongings to be insured<\/strong>. Here are three indicative ranges representative of what we observe on the island in 2026. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd9\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">Studio \/ 31\/2 Plateau-Mont-Royal<\/h3>\n    <p style=\"color:#10c4c7;font-size:22px;font-weight:800;margin:0 0 12px;\">~$14 to $18\/month<\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Small tenant, old building, property $20,000 to $30,000. The risk of water damage in the century-old triplexes of the Plateau weighs on the premium. Standard $1 million RCA included.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">41\/2 \/ 51\/2 Rosemont, Verdun, NDG<\/h3>\n    <p style=\"color:#10c4c7;font-size:22px;font-weight:800;margin:0 0 12px;\">~$16 to $22\/month<\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Couple or shared apartment, property $35,000 to $50,000. Verdun remains competitive, Rosemont-La-Petite-Patrie and NDG\/C\u00f4te-des-Neiges climb a little with the plexes over 80 years old. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd8\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">61\/2 \/ triplex Ahuntsic, Mercier, Saint-L\u00e9onard<\/h3>\n    <p style=\"color:#10c4c7;font-size:22px;font-weight:800;margin:0 0 12px;\">~$22 to $30\/month<\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Family, properties $60,000 and more, often with finished basement. The risk of flooding and sewer backup in the Saint-L\u00e9onard \/ Ahuntsic sectors justifies the $2 million RC. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-price-by-borough-of-Montreal\"><\/span>Indicative price by borough of Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Here is an indicative comparison of the 2026 monthly premiums for a tenant with $30,000 to $50,000 of property to insure and a liability of $1 million. The amounts vary according to your exact profile (history, animals, main occupation) \u2014 the final premium is always determined after analysis by the broker. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Rounding<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">31\/2 \/ 41\/2<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">51\/2 and +<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Dominant risk factor<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Plateau-Mont-Royal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1818<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $24Century-old<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">plumbing, water damage<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Rosemont-La-Petite-Patrie<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1918<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $25Old<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Plex, Winter Frost<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Verdun<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">13 &#8211; $1717<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $22Near<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">the river, mixed buildings<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">C\u00f4te-des-Neiges &#8211; NDG<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1918<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $25Bike<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">flight, student density<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Ahuntsic-Cartierville<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15 &#8211; $2020<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $28Basements<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">, Sewer Backup<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Villeray-Saint-Michel-Parc-Extension<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1918<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $24Density<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">, Plex Townhouse<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Mercier-Hochelaga-Maisonneuve<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1818<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $24Theft<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">and vandalism located<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Le Sud-Ouest<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14 &#8211; $1918<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $26Century-old<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">worker building, water<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Saint-L\u00e9onard<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15 &#8211; $2020<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $28Flood<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Resistant Basements<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Saint-Laurent<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">13 &#8211; $1818<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $24Newer<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">building<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Anjou<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">13 &#8211; $1817<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">&#8211; $23Backup<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">, Accessory Buildings<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;\">Outremont<\/td><td style=\"padding:12px 16px;color:#334155;\">15 &#8211; $2121<\/td> <td style=\"padding:12px 16px;color:#334155;\">&#8211; $30Higher<\/td> <td style=\"padding:12px 16px;color:#ef4444;\">property value<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;font-style:italic;font-size:14px;\">2026 indicative rates for a standard tenant, RC $1 million, $30,000 to $50,000 of property. Your exact premium depends on your profile and will be confirmed by the broker after analysis. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-water-damage-is-expensive-in-Montreal\"><\/span>Why water damage is expensive in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\"><strong>Water damage<\/strong> is the number 1 loss on the Island of Montreal \u2014 it accounts for the majority of home and tenant insurance claims each year. Three characteristics specific to Montreal explain why your premium takes this risk into account more than in most other cities in Quebec. <\/p>\n\n<h3 class=\"wp-block-heading\">Plexes, duplexes and triplexes: vertical runoff<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Nearly 60% of Montreal&#8217;s residential rental stock is made up of <strong>stacked plexes<\/strong>. When water damage occurs on the 2nd or 3rd floor (dishwasher, washing machine, water heater), the water goes down to the apartments below. Are you a tenant on the ground floor of a triplex on the Plateau, in Rosemont or in Hochelaga? The upstairs neighbor can literally ruin your mattress, computer, and furniture. Without tenant insurance, you pay for everything \u2014 and you&#8217;re left with the neighbour and their insurer.    <\/p>\n\n<h3 class=\"wp-block-heading\">Old buildings in the Plateau, Sud-Ouest and Rosemont: period plumbing<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">A large part of the housing in <strong>the Plateau-Mont-Royal<\/strong>, the <strong>Sud-Ouest<\/strong> (Pointe-Saint-Charles, Saint-Henri) and <strong>Rosemont<\/strong> was built between 1900 and 1940. Lead or galvanized iron plumbing, saturated storm drains, flat roofs that accumulate snow: the frequency of leaks and infiltrations is higher. Partner firms take this into account in pricing \u2014 a 41\/2 centennial costs a little more to insure than a recent 41\/2 in Saint-Laurent.  <\/p>\n\n<h3 class=\"wp-block-heading\">Flooded basements: Ahuntsic, Saint-L\u00e9onard, Anjou<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Summer storms and torrential rains regularly saturate the sanitary sewer system in the <strong>Ahuntsic-Cartierville<\/strong>, <strong>Saint-L\u00e9onard<\/strong>, <strong>Anjou<\/strong> and parts of Montreal North. <strong>Sewer backup<\/strong> is not covered by default\u2014it&#8217;s an <strong>endorsement to add<\/strong> to your policy. If you rent a semi-basement or finished basement in these areas, this addition (about $30 to $80\/year) is usually very profitable.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Pro tip: $2 million in RC if you live in a plex in Montreal<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">The <strong style=\"color:#ffffff;\">minimum civil liability of $1 million<\/strong> is the norm, but it may be insufficient in plexes in Montreal. Picture this: your dishwasher floods the 2nd and 3rd floors, one of which is a renovated $350,000 rental condo. The bill quickly climbs to more than $1 million between neighbours&#8217; belongings, relocation costs and loss of use. <strong style=\"color:#ffffff;\">Upgrading to $2 million typically costs only $2 to $5 more per month<\/strong> \u2014 one of the best protection-to-price ratios available.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverages-specific-to-Montreal\"><\/span>Coverages specific to Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Beyond the common core (fire, water damage, theft, RC), some endorsements are particularly relevant for a Montreal tenant. Here are the ones to validate with your broker. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udeb2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Bike theft (Plateau, Mile-End, Rosemont)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">One of the most frequent thefts in Montreal. Check the <strong>limit per property<\/strong> (often capped at $2,000 or $3,000) and explicitly declare your e-bike of $4,000 or more. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udef4<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Electric Bike  Electric Scooter<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you use it for work (Uber Eats delivery, DoorDash), commercial use may <strong>exclude<\/strong> theft coverage. Announce it honestly to the broker. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\u2744\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Water damage from winter frost<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Frozen pipe cuts in January-February: coverage may be <strong>refused<\/strong> if you go on a trip without leaving the heating at 15\u00b0C or asking for a daily check.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83c\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Sewer backup (basements)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">This is <strong>an essential<\/strong> endorsement if you rent a semi-basement in Saint-L\u00e9onard, Ahuntsic, Anjou, Montreal North or certain areas of the Southwest. ~$30 to $80\/year. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udeb4<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">BIXI and shared bikes<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you run over a pedestrian with a BIXI, your <strong>tenant insurance liability<\/strong> can be triggered. One more reason to keep $2 million in RCA. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Temporary relocation costs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your home becomes uninhabitable (fire, major water damage), the insurance covers <strong>temporary accommodation<\/strong>. Montreal is tense, so check the monthly limit. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-Apply-in-Montreal-5-Simple-Steps\"><\/span>How to Apply in Montreal: 5 Simple Steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">With <strong>Assur360<\/strong>, an independent comparison site, taking out tenant insurance in Montreal is done entirely online \u2014 and a broker from partner firms will accompany you at no additional cost.<\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Estimate the value of your assets<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Take a tour of your home, room by room. Furniture, personal appliances, clothing, electronics, bicycles: most Montreal tenants underestimate the real value of their belongings by between 30% and 50%. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Complete the online application (3 minutes)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Montreal address, type of housing (studio, 31\/2, 41\/2, 51\/2, etc.), floor, value of the property, desired RC ($1 million or $2 million). All districts are covered. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Receive competitive pricing from partner firms<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A broker from AMF-certified partner firms compares several insurers (Intact, Beneva, Promutuel, Desjardins, Wawanesa, etc.) for you according to your profile and your borough.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Choose your coverage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The broker explains each option (liability, backup, bicycle, replacement cost), makes sure that you are neither over-insured nor under-protected, and adapts the policy to the particularities of your Montreal home.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Subscribe and get your certificate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Monthly or annual payment depending on your preference. Certificate sent immediately by email \u2014 handy if your landlord requires it before taking possession. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Before signing a lease in Montreal: $2 million RC is often required<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">More and more Montreal landlords \u2014 especially for divided condominiums (rental condos) and recent buildings \u2014 <strong>require tenant insurance with liability of at least $2 million<\/strong> in the lease and a certificate to be provided before handing over the keys. Read your lease carefully. If the clause is present, bid before signing: this will avoid a delay in taking possession or a refusal to lease.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Tenant-Insurance-Montreal-2026\"><\/span>Frequently Asked Questions \u2014 Tenant Insurance Montreal 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does tenant insurance cost in Plateau-Mont-Royal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a studio or a standard 31\/2 on the Plateau, count as an indication <strong>$14 to 18\/month<\/strong> in 2026, and 18 to 24\/month for a 41\/2 or 51\/2. The century-old triplexes of the Plateau can increase the premium a little because of the increased risk of water damage. The exact premium will be confirmed by the broker after analyzing your profile.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my landlord in Montreal require $2 million in RC in the lease?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. The R\u00e9gie du logement does not prohibit a landlord from requiring tenant insurance with a minimum amount of civil liability. However, this clause must be included in the lease. If it is, you must provide the certificate, otherwise the owner can refuse to take possession. Going from $1 million to $2 million usually costs only a few dollars more per month.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">I&#8217;m in a triplex, is it more expensive to insure?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Slightly, yes. In a plex, the risk of water damage going up or down between dwellings weighs on the pricing. The difference with a recent rental property can be $1 to $4\/month for the same size of unit. That&#8217;s also why we recommend the $2 million RC in plexes.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my stolen bike near the Mile End covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, your bike is generally covered <strong>even outside your home<\/strong> (theft outside), as long as you can prove the theft (police report mandatory). Pay attention to the limit per property (often $2,000 to $3,000). For an electric bike of $4,000 or more, explicitly declare it to the broker to add a suitable endorsement.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is it cheaper in Verdun than downtown?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">On average, yes \u2014 slightly. Verdun has slightly lower indicative premiums than the Plateau, Ville-Marie or the Sud-Ouest, mainly because of a more mixed building and slightly more favourable loss profiles. The difference is generally $1 to $3\/month for comparable housing.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Basement in Saint-L\u00e9onard: what does flood insurance cover?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If the flood is from a <strong>sewer backup<\/strong> (storm, municipal system saturation), it is only covered if you have added the <strong>sewer backup endorsement<\/strong> to your policy \u2014 it is not included by default. This endorsement typically costs between $30 and $80\/year. If the flood comes from an interior leak (pipe, water heater), it is covered by the basic water damage coverage.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to insure my furnished accommodation in the Plateau (sublet, Airbnb)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you rent a furnished apartment that is already covered by the landlord, the insurance for the building and its basic contents is his. But <strong>your personal assets and your liability insurance remain your responsibility<\/strong>. And beware: <strong>Airbnb subletting is excluded<\/strong> from most standard policies. If you Airbnb your accommodation even a few days a year, you must declare it to the broker \u2014 otherwise, in the event of a claim, the claim may be denied.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Student at McGill, UdeM, Concordia or UQAM: Am I covered by my parents?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Sometimes yes, sometimes no. Some parents&#8217; home insurance policies cover the property of a full-time student child living in a residence or apartment, up to a maximum (often 10% of the contents, sometimes capped at $5,000 or $10,000). The RC, on the other hand, may not follow. Check your parents&#8217; policy: If you have more than $5,000 worth of property (bike, computer, instruments), a renter&#8217;s policy in your name (~$14-$18\/month) is usually best.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What to do in the event of a disaster at night in Montreal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Secure the premises, turn off the water or electricity if necessary, photograph everything, and call your insurer via its 24\/7 line. See our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">Disaster Emergency<\/a> page for detailed instructions. Your broker from the Assur360 partner firms will take over the file the next morning and accompany you until the settlement.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-Assur360-in-Montreal\"><\/span>Why use Assur360 in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:16px;padding:32px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:22px;margin:0 0 20px;\">100% Quebec independent comparator<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;\">\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\"><strong>AMF-certified<\/strong> partner firms registered with the Chambre de l&#8217;assurance<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\"><strong>100,000+ Quebecers<\/strong> have shopped via Assur360<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\"><strong>Complete coverage<\/strong> of Montreal&#8217;s 19 boroughs and related cities<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\"><strong>Free service<\/strong> \u2014 no intermediation fees<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\">Support <strong>in the event of a claim<\/strong> by your broker<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;font-weight:800;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:15px;\">Comparison of multiple insurers in <strong>a single claim<\/strong><\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE \u00b7 3 MINUTES<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Compare your tenant insurance in Montreal<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Shop around for your premium in minutes from AMF-certified partner firms. Plateau, Verdun, Rosemont, NDG, Ahuntsic, Saint-L\u00e9onard, Mercier \u2014 all the boroughs of the island covered. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18887271111\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-888-727-1111<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other-Cities-and-Resources\"><\/span>Other Cities and Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/how-much-does-tenant-insurance-cost-in-quebec-in-2026\/\" style=\"text-decoration:none;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:10px;padding:22px;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Tenant insurance: price and cost in Quebec<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.5;margin:0;\">Comparison of premiums by profile and region \u2013 detailed calculation.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"text-decoration:none;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:10px;padding:22px;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Tenant Insurance Quote<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.5;margin:0;\">Get your quote in 3 minutes, anywhere in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/\" style=\"text-decoration:none;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:10px;padding:22px;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Tenant&#8217;s insurance in a shared apartment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.5;margin:0;\">Covering a roommate in Montreal \u2014 individual or shared policy?<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"text-decoration:none;background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:10px;padding:22px;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Home Insurance Quebec<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.5;margin:0;\">Overview of owners, tenants, condos \u2014 everything you need to know.<\/p>\n  <\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"LocalBusiness\",\n  \"name\": \"Assur360 \u2014 Comparateur d'assurance locataire Montr\u00e9al\",\n  \"description\": \"Comparateur ind\u00e9pendant d'assurance locataire \u00e0 Montr\u00e9al. Cabinets partenaires certifi\u00e9s AMF, couverture des 19 arrondissements.\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-locataire-montreal\/\",\n  \"telephone\": \"+1-888-727-1111\",\n  \"priceRange\": \"$$\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"addressLocality\": \"Montr\u00e9al\",\n    \"addressRegion\": \"QC\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": [\n    {\"@type\": \"City\", \"name\": \"Montr\u00e9al\", \"addressRegion\": \"QC\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Plateau-Mont-Royal\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Rosemont-La-Petite-Patrie\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Verdun\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"C\u00f4te-des-Neiges-Notre-Dame-de-Gr\u00e2ce\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Ahuntsic-Cartierville\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Villeray-Saint-Michel-Parc-Extension\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Mercier-Hochelaga-Maisonneuve\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Le Sud-Ouest\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Saint-L\u00e9onard\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Saint-Laurent\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Anjou\"},\n    {\"@type\": \"AdministrativeArea\", \"name\": \"Outremont\"}\n  ]\n}\n<\/script><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 locataire au Plateau-Mont-Royal ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pour un studio ou un 3\u00bd standard sur le Plateau, comptez \u00e0 titre indicatif 14 \u00e0 18 $\/mois en 2026, et 18 \u00e0 24 $\/mois pour un 4\u00bd ou 5\u00bd. Les triplex centenaires du Plateau peuvent faire grimper la prime \u00e0 cause du risque de d\u00e9g\u00e2t d'eau accru. La prime exacte sera confirm\u00e9e par le courtier apr\u00e8s analyse.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon proprio \u00e0 Montr\u00e9al peut-il exiger 2 M$ de RC dans le bail ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. La R\u00e9gie du logement n'interdit pas qu'un propri\u00e9taire exige une assurance locataire avec un montant minimum de responsabilit\u00e9 civile. Cette clause doit \u00eatre inscrite dans le bail. Si elle l'est, vous devez fournir l'attestation, sinon le proprio peut refuser la prise de possession.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Je suis dans un triplex, est-ce plus cher \u00e0 assurer ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L\u00e9g\u00e8rement, oui. Dans un plex, le risque de d\u00e9g\u00e2t d'eau remontant ou descendant entre logements p\u00e8se sur la tarification. La diff\u00e9rence avec un immeuble locatif r\u00e9cent peut \u00eatre de 1 \u00e0 4 $\/mois pour la m\u00eame taille de logement.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon v\u00e9lo vol\u00e9 pr\u00e8s du Mile-End est-il couvert ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, votre v\u00e9lo est g\u00e9n\u00e9ralement couvert m\u00eame hors de chez vous, tant que vous pouvez prouver le vol (rapport de police obligatoire). Attention au plafond par bien (souvent 2 000 \u00e0 3 000 $). Pour un v\u00e9lo \u00e9lectrique de 4 000 $ et plus, d\u00e9clarez-le explicitement au courtier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce moins cher \u00e0 Verdun qu'au centre-ville de Montr\u00e9al ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"En moyenne, oui \u2014 l\u00e9g\u00e8rement. Verdun affiche des primes indicatives un peu inf\u00e9rieures au Plateau, \u00e0 Ville-Marie ou au Sud-Ouest. L'\u00e9cart est g\u00e9n\u00e9ralement de 1 \u00e0 3 $\/mois pour un logement comparable.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Sous-sol \u00e0 Saint-L\u00e9onard : que couvre l'assurance en cas d'inondation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Si l'inondation provient d'un refoulement d'\u00e9gout, elle n'est couverte que si vous avez ajout\u00e9 l'avenant refoulement d'\u00e9gout \u00e0 votre police \u2014 il n'est pas inclus par d\u00e9faut. Cet avenant co\u00fbte g\u00e9n\u00e9ralement entre 30 et 80 $\/an. Si l'inondation provient d'une fuite int\u00e9rieure, c'est couvert par la garantie d\u00e9g\u00e2t d'eau de base.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Dois-je assurer mon meubl\u00e9 au Plateau (Airbnb, sous-location) ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Vos biens personnels et votre RC restent \u00e0 votre charge. La sous-location Airbnb est exclue de la plupart des polices standard. Si vous Airbnb votre logement, d\u00e9clarez-le au courtier \u2014 sinon, en cas de sinistre, la r\u00e9clamation peut \u00eatre refus\u00e9e.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c9tudiant \u00e0 McGill, UdeM, Concordia ou UQAM : suis-je couvert par mes parents ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Parfois oui, parfois non. Certaines polices d'habitation des parents couvrent un enfant \u00e9tudiant \u00e0 temps plein jusqu'\u00e0 un plafond. La RC peut ne pas suivre. Si vous avez plus de 5 000 $ de biens, une police locataire \u00e0 votre nom (~14 \u00e0 18 $\/mois) est g\u00e9n\u00e9ralement pr\u00e9f\u00e9rable.\"\n      }\n    }\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Accueil\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Assurance habitation\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-habitation\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Assurance locataire Montr\u00e9al\",\n      \"item\": \"https:\/\/www.assur360.ca\/assurance-locataire-montreal\/\"\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Are you renting a studio in the Plateau-Mont-Royal, a 41\/2 in Verdun, a 51\/2 in Rosemont or a large triplex in Ahuntsic [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Tenant Insurance Montreal 2026 \u2014 Prices by Borough | Assur360","_seopress_titles_desc":"Tenant insurance in Montreal: indicative prices by borough (Plateau, Verdun, NDG, Ahuntsic). 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