{"id":81812,"date":"2026-07-02T22:15:47","date_gmt":"2026-07-03T02:15:47","guid":{"rendered":"https:\/\/www.assur360.ca\/title-insurance-in-quebec-2026-complete-guide\/"},"modified":"2026-07-02T22:16:10","modified_gmt":"2026-07-03T02:16:10","slug":"title-insurance-in-quebec-2026-complete-guide","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/title-insurance-in-quebec-2026-complete-guide\/","title":{"rendered":"Title Insurance in Quebec 2026 \u2014 Complete Guide"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<p><!-- HERO informatif (pas de CTA) --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:20px;padding:56px 40px;margin:24px 0 32px;box-shadow:0 20px 50px rgba(13,31,45,0.22);text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:3px;margin:0 0 14px;\">Informative guide \u00b7 Quebec 2026<\/p>\n  <h1 style=\"color:#ffffff;font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,40px);font-weight:800;margin:0 0 18px;line-height:1.2;max-width:820px;margin-left:auto;margin-right:auto;\"><span class=\"ez-toc-section\" id=\"Title-Insurance%E2%80%94Complete-Guide-to-Quebec\"><\/span>Title Insurance\u2014Complete Guide to Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#cbd5e1;font-size:17px;line-height:1.65;margin:0 auto;max-width:720px;\">What is title insurance? How does it protect a buyer of a house or condo in Quebec? This guide explains everything you need to know before signing at the notary&#8217;s office, without jargon.  <\/p>\n<\/div>\n<p><!-- INTRO FLEX --><\/p>\n\n<div style=\"display:flex;align-items:center;gap:44px;margin:32px 0 44px;flex-wrap:wrap;\">\n  <div style=\"flex:1 1 42%;min-width:280px;\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/001-assurance-titre-propriete-quebec-2026-assur360.jpg\" alt=\"Young Quebec couple in front of their new property \u2014 an informative guide to title insurance\" style=\"width:100%;height:auto;border-radius:14px;box-shadow:0 12px 32px rgba(13,31,45,0.14);display:block;\" loading=\"eager\"\/>\n  <\/div>\n  <div style=\"flex:1 1 52%;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 10px;\">Real estate protection<\/p>\n    <h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;line-height:1.25;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"What-is-title-insurance\"><\/span>What is title insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0 0 12px;\"><strong>Title insurance<\/strong> \u2014 often referred to simply as title insurance \u2014 is an <strong>indemnity<\/strong> insurance policy that protects the owner (or their mortgage lender) against <strong>defects or defects affecting the title<\/strong> of a building: unpaid charges, encroachments, fraud, false documents, cadastral errors, undeclared easements, etc.<\/p>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0;\">In Quebec, it is regularly taken out when buying a house or condo, often offered by the notary or mortgage lender, and <strong>sometimes used as a replacement for a recent certificate of location<\/strong>.<\/p>\n  <\/div>\n<\/div>\n<p><!-- STATS --><\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;margin:32px 0 48px;\">\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcb0<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">$200\u2013500<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Typical single premium<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83c\udfe0<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">For life<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">As long as you own<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcdd<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">1 time<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Premium paid at signing<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\u2696\ufe0f<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">Legal fees included<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Legal defence included<\/p>\n  <\/div>\n<\/div>\n<p><!-- 2 TYPES DE POLICE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Two-Types-of-Title-Insurance-Policies\"><\/span>The Two Types of Title Insurance Policies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">There are two separate policies, often purchased together at the time of real estate purchase.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin:32px 0 48px;\">\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">For the buyer<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:20px;font-weight:800;margin:0 0 12px;\">Owner&#8217;s policy<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0 0 12px;\">Protects <strong>your investment in the building<\/strong> \u2014 the amount insured is usually the purchase value. Remains in force <strong>for as long as you are the owner<\/strong>, with no additional premium to pay. <\/p>\n    <p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0;\">Typical single premium: $200\u2013350<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">For the mortgage lender<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:20px;font-weight:800;margin:0 0 12px;\">Lender&#8217;s policy<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0 0 12px;\">Protects <strong>the bank or lender<\/strong> up to the mortgage balance. Often <strong>required by the lender<\/strong> as a condition of loan approval. You pay the premium, but the lender is the beneficiary.  <\/p>\n    <p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0;\">Typical single premium: $150\u2013300<\/p>\n  <\/div>\n<\/div>\n<p><!-- CE QUI EST COUVERT --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-does-title-insurance-protect-against\"><\/span>What does title insurance protect against?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:32px 0 48px;\">\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\ud83d\udd13<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Fraud and falsification<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Fraudulent sale by a person pretending to be the owner, falsification of the seller&#8217;s signature, false deed of sale.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\ud83d\udcc4<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Unpaid charges and liens<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Legal hypothecs, unpaid municipal and school taxes, contractor&#8217;s bills, judgments registered on the immovable before the sale.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\ud83d\udcd0<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Encroachment and cadastre<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Construction of the neighbour that overflows onto your land, your own building that encroaches on the neighbour&#8217;s property, measurement error in the old certificate of location.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\ud83d\udee3\ufe0f<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Undeclared easements<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Easements of way, view, or public utility (Hydro-Qu\u00e9bec, aqueduct) affecting your land and that did not appear at the time of purchase.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\ud83d\udd28<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Work without a permit<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Renovations or additions made by the previous owner without a municipal permit, discovered after the purchase and required to be regularized.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:24px;\">\n    <p style=\"color:#10c4c7;font-size:26px;margin:0 0 8px;\">\u2696\ufe0f<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Legal Defense<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The insurer pays the lawyer&#8217;s fees to defend the title in the event of a dispute in court, even if the dispute ends in your favour.<\/p>\n  <\/div>\n<\/div>\n<p><!-- CE QUI N'EST PAS COUVERT --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-title-insurance-does-NOT-cover\"><\/span>What title insurance does NOT cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Title insurance is powerful but is not a blank cheque. It does not cover: <\/p>\n\n<ul style=\"color:#334155;font-size:15.5px;line-height:1.9;margin:16px 0 40px;padding-left:22px;\">\n  <li><strong>Defects known and disclosed<\/strong> at the time of subscription<\/li>\n  <li><strong>Latent material defects<\/strong> (foundations, roofing, plumbing \u2014 this is the role of the building inspection and the recourse for latent defects)<\/li>\n  <li><strong>Environmental issues<\/strong> (soil contamination, mould, radon, buried tank) \u2014 separate specialty insurance<\/li>\n  <li><strong>Post-purchase municipal zoning changes<\/strong> <em><\/em><\/li>\n  <li><strong>Family disputes<\/strong> (division of assets, disputed inheritance) that arose after the subscription<\/li>\n  <li><strong>Events insured by the home insurance policy<\/strong> (fire, theft, water damage)<\/li>\n<\/ul>\n<p><!-- COMPARAISON AVEC CERTIFICAT DE LOCALISATION --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Title-insurance-vs-certificate-of-location-vs-notarial-opinion\"><\/span>Title insurance vs. certificate of location vs. notarial opinion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">These three instruments are often confused. Here are their complementary roles: <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0 40px;border-radius:14px;box-shadow:0 4px 16px rgba(13,31,45,0.06);\">\n<table style=\"width:100%;border-collapse:collapse;background:#ffffff;font-size:14.5px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;font-weight:700;text-transform:uppercase;font-size:12px;letter-spacing:.5px;\">Instrument<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;text-transform:uppercase;font-size:12px;letter-spacing:.5px;\">Role<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;text-transform:uppercase;font-size:12px;letter-spacing:.5px;\">Typical<\/th>\n Cost<th style=\"padding:14px 16px;text-align:left;font-weight:700;text-transform:uppercase;font-size:12px;letter-spacing:.5px;\">Nature<\/th>                  \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Certificate of location<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Land surveyor&#8217;s report describing the current condition of the building and its boundaries, encroachments, and<\/td>\n visible easements$\n<td style=\"padding:12px 16px;color:#334155;font-weight:700;\">1,000\u2013$2,500<\/td><td style=\"padding:12px 16px;color:#64748b;\">Professional observation<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Notary&#8217;s<\/td>\n opinion<td style=\"padding:12px 16px;color:#334155;\">Analysis of previous titles over 30 years (chain of title), reporting of known charges, preparation of the deed of sale<\/td>\n<td style=\"padding:12px 16px;color:#334155;font-weight:700;\">$1,500\u2013$2,500 (aggregate)<\/td>\n<td style=\"padding:12px 16px;color:#64748b;\">Legal Diligence<\/td>                  \n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:12px 16px;font-weight:700;color:#0d1f2d;\">Title<\/td>\n Insurance<td style=\"padding:12px 16px;color:#334155;\">Financial compensation and coverage of legal costs if a defect appears after the purchase<\/td>\n<td style=\"padding:12px 16px;color:#334155;font-weight:700;\">$200\u2013500 (one-time premium)<\/td>\n<td style=\"padding:12px 16px;color:#64748b;\">Insurance contract<\/td>                  \n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px;\">The three are complementary. None completely replaces the others \u2014 but title insurance can allow the notary to agree to complete the transaction with an old certificate of location, if it is dated less than 10-15 years, which speeds up the closing. <\/p>\n<p><!-- QUAND OPTER POUR ASSURANCE TITRE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-is-title-insurance-particularly-useful\"><\/span>When is title insurance particularly useful?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Buying an older home<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">The older the property, the more opportunities the chain of title has to contain historical defects (improperly regulated estates, unclear subdivisions, uncorrected encroachments).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Old certificate of location<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">When the seller does not provide a recent certificate (less than 5-10 years old), title insurance can avoid ordering a new one at ~$1,500 to complete the sale.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Purchase with recent renovations<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">If the previous owner has done major work (extension, major renovation), there is a greater risk that a permit will be missing or that the structure will encroach.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Purchase in inheritance or divorce<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">Transactions resulting from an inheritance or a division of family wealth can leave ambiguities in the chain of title that resurface later.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Real Estate Fraud (Current Context)<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">Cases of identity theft fraud (the sale of a home by an impostor) are on the rise in North America. Title insurance is the only concrete protection against this risk. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 8px;\">Buying a divided condo<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.65;margin:0;\">Divided co-ownerships can have issues related to common elements, unpaid royalties or unauthorized modifications \u2014 title insurance covers many of these areas.<\/p>\n  <\/div>\n<\/div>\n<p><!-- ASSUREURS TITRE AU QU\u00c9BEC --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-main-title-insurers-present-in-Quebec\"><\/span>The main title insurers present in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Few players share the title insurance market in Canada. The main ones available in Quebec (tentative list): <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:20px 0 40px;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">FCT (First Canadian Title)<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Chicago Title<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Stewart Title<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">TitlePLUS (LSO\/Bar)<\/div>\n<\/div>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px;\">The title insurance policy is usually taken out via the notary at the time of signing the deed of sale. The notary will present you with the options. <\/p>\n<p><!-- FAQ --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0 48px;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Is title insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Not for the buyer, but it may be <strong>required by the mortgage lender<\/strong> (lender&#8217;s policy) as a condition of approval of the loan. The owner&#8217;s policy is optional but highly recommended. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Does title insurance replace certificate of location?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Not completely. The certificate of location remains the reference to describe the current physical and cadastral condition of the property. However, title insurance may allow the notary to agree to finalize the sale with an older certificate (usually less than 10-15 years old), which avoids ordering a new one at around $1,500.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">How much does title insurance cost in Quebec?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">The premium is <strong>paid only once<\/strong> at the time of signing the deed of sale. For a typical residential property in Quebec, expect to pay between <strong>$200 and $500<\/strong> depending on the value of the building and the type of policy. The owner&#8217;s policy then remains in effect for as long as you are the owner, with no recurring premiums.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Does title insurance cover hidden defects (foundations, roof)?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">No. Latent material defects (structure, roof, plumbing, electricity) fall under the <strong>recourse for latent defects<\/strong> provided for in the Civil Code of Quebec, against the seller. The purpose of a building inspection is to detect them before purchase. Title insurance only covers <strong>legal<\/strong> defects affecting the title.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Can I take out title insurance after purchase?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes, some <strong>retroactive<\/strong> policies exist for current owners who did not purchase them. The terms and exclusions are different (defects known to date can no longer be covered). This should be discussed with a notary or a specialized broker.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Is title insurance transferable?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">No. The policy is specific to the insured (you). When you sell the property, the buyer will have to take out their own policy if they wish. The policy remains in force for your benefit as long as you own it \u2014 even 30 years after purchase.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Is there a deductible in title insurance?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Generally not. Most title insurance policies indemnify without deductible, up to the amount insured (often the purchase value for the owner&#8217;s policy). Some specific coverages may have a separate limit.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Does title insurance cover a divided or undivided condo?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes for both types of co-ownership, but the terms and conditions differ. For a divided condo (the most common), the policy covers your private unit and your share of the common elements. For an undivided owner, it covers your undivided percentage in the building.  <\/div>\n  <\/details>\n<\/div>\n<p><!-- SOURCES --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources-and-references\"><\/span>Sources and references<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"color:#334155;font-size:14.5px;line-height:1.85;margin:16px 0 32px;padding-left:22px;\">\n  <li>Chambre des notaires du Qu\u00e9bec \u2014 <em>Guide to real estate transactions<\/em> and title insurance sheets<\/li>\n  <li>Autorit\u00e9 des march\u00e9s financiers (AMF) \u2014 regulatory framework for damage insurance in Qu\u00e9bec<\/li>\n  <li>Insurance Bureau of Canada (IBC) \u2014 fact sheets on title insurance in Canada<\/li>\n  <li>Act respecting land surveyors and the <em>Regulation respecting the standard of practice relating to certificates of location<\/em><\/li>\n  <li>Civil Code of Qu\u00e9bec \u2014 provisions on warranty of title and latent defects (ss. 1723 et seq.)<\/li>\n<\/ul>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px;\">This content is published for informational purposes only and does not constitute legal advice. Consult your notary or a lawyer for any particular situation. <\/p>\n<p><!-- POUR ALLER PLUS LOIN (info, pas de CTA) --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-go-further\"><\/span>To go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Guide<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Assurance habitation au Qu\u00e9bec \u2014 vue d&#8217;ensemble<\/p>\n  <\/a>\n  <a href=\"\/assurance-habitation\/condo\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Guide<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Assurance copropri\u00e9t\u00e9 (condo) au Qu\u00e9bec<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/urgence-sinistre\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Ressource<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Urgence sinistre 24\/7<\/p>\n  <\/a>\n<\/div>\n<p><!-- SCHEMAS --><\/p>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"@id\":\"https:\/\/www.assur360.ca\/#organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"description\":\"Comparateur d'assurance ind\u00e9pendant au Qu\u00e9bec, op\u00e9r\u00e9 par le cabinet Assur360 tek inc. certifi\u00e9 AMF.\",\"areaServed\":{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec, Canada\"}}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Guides\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance titre\",\"item\":\"https:\/\/www.assur360.ca\/assurance-titre\/\"}]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Assurance titre de propri\u00e9t\u00e9 \u2014 Guide complet au Qu\u00e9bec\",\"description\":\"Guide informatif sur l'assurance titre au Qu\u00e9bec 2026 : types de polices, couvertures, co\u00fbts, comparaison avec certificat de localisation, cas d'usage.\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}},\"datePublished\":\"2026-07-02\",\"dateModified\":\"2026-07-02\",\"inLanguage\":\"fr-CA\",\"mainEntityOfPage\":\"https:\/\/www.assur360.ca\/assurance-titre\/\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/001-assurance-titre-propriete-quebec-2026-assur360.jpg\"}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"L'assurance titre est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non pour l'acheteur, mais elle peut \u00eatre exig\u00e9e par le pr\u00eateur hypoth\u00e9caire comme condition d'approbation du pr\u00eat. La police du propri\u00e9taire est optionnelle mais recommand\u00e9e.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance titre remplace-t-elle le certificat de localisation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pas compl\u00e8tement. Le certificat de localisation reste la r\u00e9f\u00e9rence pour d\u00e9crire l'\u00e9tat physique et cadastral. L'assurance titre peut cependant permettre d'accepter un certificat plus ancien pour finaliser une vente.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte l'assurance titre au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La prime est pay\u00e9e une seule fois entre 200 et 500 dollars pour une propri\u00e9t\u00e9 r\u00e9sidentielle typique, selon la valeur de l'immeuble et le type de police.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance titre couvre-t-elle les vices cach\u00e9s ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Les vices cach\u00e9s mat\u00e9riels (fondations, toiture) rel\u00e8vent du recours en vices cach\u00e9s du Code civil du Qu\u00e9bec. L'assurance titre couvre uniquement les d\u00e9fauts juridiques du titre.\"}},\n{\"@type\":\"Question\",\"name\":\"Peut-on souscrire une assurance titre apr\u00e8s l'achat ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, certaines polices r\u00e9troactives existent pour les propri\u00e9taires actuels qui n'en ont pas souscrit. Les modalit\u00e9s et exclusions diff\u00e8rent.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance titre est-elle transf\u00e9rable au nouvel acheteur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La police est propre \u00e0 l'assur\u00e9. Quand vous vendrez, le nouvel acheteur devra souscrire sa propre police.\"}},\n{\"@type\":\"Question\",\"name\":\"Y a-t-il une franchise en assurance titre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement non. La plupart des polices indemnisent sans franchise, \u00e0 hauteur du montant assur\u00e9.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance titre couvre-t-elle un condo ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui pour les copropri\u00e9t\u00e9s divises et indivises, avec des modalit\u00e9s adapt\u00e9es \u00e0 chaque forme de copropri\u00e9t\u00e9.\"}}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Informative guide to title insurance in Quebec 2026: types of policies, coverage, costs, comparison with certificate of location, use 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