{"id":15896,"date":"2023-03-21T12:11:05","date_gmt":"2023-03-21T16:11:05","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/cheap-montreal-home-insurance\/"},"modified":"2026-06-25T23:55:23","modified_gmt":"2026-06-26T03:55:23","slug":"cheap-montreal-home-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/cheap-montreal-home-insurance\/","title":{"rendered":"Montreal Home Insurance 2026 \u2014 Prices, Neighbourhoods, Comparison"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Home Insurance Montreal 2026 \u2014 Prices, Neighborhoods, Comparison\",\"datePublished\":\"2023-03-21T12:11:05\",\"dateModified\":\"2026-04-21T00:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault is a property and casualty insurance broker with over 30 years of experience in Quebec and the owner of Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Property and Casualty Insurance Brokerage License\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"description\":\"Comprehensive guide to home insurance in Montreal in 2026: average prices by borough, urban risks, broker comparison, and tips for saving.\"}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.7;color:#334155;\"><strong>Home insurance in Montreal<\/strong> has become a must for any homeowner, co-owner or tenant in the city. Between sewer backups in Rosemont, break-ins in Ahuntsic, recurring water damage in the Plateau-Mont-Royal and the continued rise in premiums in Quebec, it&#8217;s more important than ever to <strong>shop around for your policy<\/strong> with multiple insurers. At <strong>Assur360<\/strong>, a brokerage firm certified by the <a href=\"https:\/\/lautorite.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers (AMF),<\/a> our brokers compare more than 30 insurers to offer you the best protection at the best price, anywhere on the island of Montreal.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">HOME INSURANCE MONTREAL 2026<\/p>\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Compare-30-insurers-in-3-minutes\"><\/span>Compare 30+ insurers in 3 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free and no-obligation quote for your house, condo, or rental unit in Montreal.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Quick Quote<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">25 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Avg savings.<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-Home-Insurance-Is-Essential-in-Montreal\"><\/span>Why Home Insurance Is Essential in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Montreal is the most populous metropolis in Quebec with nearly 1.8 million inhabitants on the island and more than 4.3 million in the metropolitan area. This urban density, combined with an old housing stock (a large proportion of the housing dates from before 1960), exposes residents to <strong>specific risks<\/strong> that home insurance must cover: water damage related to aging plumbing, sewer backups, electrical fires, burglaries, falling objects and high civil liability in condominiums. <\/p>\n\n<p class=\"wp-block-paragraph\">According to the <a href=\"http:\/\/www.bac-quebec.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Insurance Bureau of Canada (IBC),<\/a> water damage is now the <strong>leading cause of<\/strong> home insurance claims in Quebec, even ahead of fires. In Montreal, torrential rainfall and pressure on the municipal sewer system contribute to this trend. Adequate protection is no longer a luxury \u2014 it&#8217;s a necessity.  <\/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;\">\ud83d\udca7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Water damage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Sewer backup in Rosemont, Villeray, Saint-L\u00e9onard. Flooding near the Rivi\u00e8re-des-Prairies and the Lachine Canal. More than 40% of home claims in Montreal.  <\/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;\">\ud83d\udea8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Burglaries<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Montreal-Nord, Saint-Michel and C\u00f4te-des-Neiges have the highest rates. Ground-floor apartments are particularly targeted in the Plateau and Little Italy. <\/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;\">\ud83d\udd25<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Residential fires<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The SIM intervenes in nearly 4,000 fires per year in Montreal. Old triplexes and duplexes in the Plateau, Verdun and Hochelaga are particularly vulnerable to aging electrical installations. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Average-home-insurance-prices-in-Montreal-in-2026\"><\/span>Average home insurance prices in Montreal in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The cost of home insurance in Montreal varies considerably depending on the <strong>type of housing<\/strong>, the <strong>borough<\/strong>, the <strong>age of the building<\/strong> and the <strong>profile of the insured<\/strong>. Here is a range of average prices observed by our brokers in 2026, for information purposes: <\/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:#fff;\">\n        <th style=\"padding:14px 16px;text-align:left;\">Type of accommodation<\/th>\n<th style=\"padding:14px 16px;text-align:left;\">Average<\/th>\n annual premium<th style=\"padding:14px 16px;text-align:left;\">Typical deductible<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Tenant (apartment)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$220 to $<\/td>\n420<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$500<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Co-owner (condo)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$380 to $<\/td>\n720<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$500 to $1,000<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Owner (plex 2-3 units)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$950 to $<\/td>\n1,800<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,000<\/td>                \n      <\/tr>\n      <tr style=\"background:#fff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Owner (single-family home)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$880 to $<\/td>\n1,650<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,000<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Owner (luxury residence)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,400 to $6,000+<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,500+<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">These prices also vary greatly depending on the <strong>postal code<\/strong>. Boroughs in H1 (Rivi\u00e8re-des-Prairies, Montr\u00e9al-Nord, Anjou) often have higher premiums because of flood zones or theft rates. H3 areas (Westmount, Outremont) can cost more because of the reconstruction value. The H2 and H4 codes (Plateau, Verdun, LaSalle, Lachine) are generally average.   <\/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;\">Did you know?<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">A home built before 1970 in Montreal can cost <strong style=\"color:#fff;\">up to 30% more<\/strong> to insure than a new home. Electrical renovations (switching from knob-and-tube to modern wiring) and plumbing upgrades (replacing the lead pipe) can significantly reduce your premium. Keep your renovation invoices, your Assur360 broker will use them to negotiate.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Boroughs-and-their-particularities\"><\/span>Boroughs and their particularities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Each borough of Montr\u00e9al has its own risk profile. Here&#8217;s a detailed look at the industries where our brokers insure the most clients: <\/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    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Plateau-Mont-Royal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Old buildings (1900-1930), plumbing to be monitored, triplexes converted into condominiums. Frequent water damage between neighbours. <strong>Endorsement A<\/strong> (water damage) coverage is essential.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Rosemont\u2013La Petite-Patrie<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Recurrent sewer backups (lower sector). <strong>Sewer backup<\/strong> protection (RE endorsement) is a must and not included by default. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Ville-Marie (Downtown)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">High-rise condominiums, increased civil liability, risks of theft in short-term rental condos. Check your <strong>personal property<\/strong> coverage. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Verdun<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Gentrification in progress, mixed real estate portfolio. Proximity to the St. Lawrence River: validate your protection against <strong>surface water flooding<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Ahuntsic\u2013Cartierville<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Flood zones near the Rivi\u00e8re-des-Prairies (Gouin Ouest). <strong>Flood<\/strong> insurance is mandatory if you are in a risk area according to the CMM. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Montreal North<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Higher theft rates. Discounts are possible with a certified alarm system and a high-security lock on the front doors. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Outremont &#038; Westmount<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">High reconstruction values ($700,000+). Choose a guaranteed <strong>replacement cost<\/strong> policy and <strong>valuables<\/strong> protection. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">LaSalle &#038; Lachine<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Developing area, close to the Lachine Canal. Mix of single-family homes and new condos. Generally competitive premiums.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Hochelaga-Maisonneuve<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Old buildings (1910-1940), numerous triplexes. Beware of outdated electrical installations. Upgrade = significant cost savings.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-home-insurance-quote-in-Montreal-in-4-steps\"><\/span>How to get your home insurance quote in Montreal in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the online form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">3 minutes is enough. Address, type of housing, estimated value, year of construction, heating system. No credit card required.  <\/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;\">Your Assur360 broker contacts you<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">An AMF-certified broker based in Quebec will call you back within 24 business hours to validate your needs and identify essential coverage.<\/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;\">We compare 30+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">We negotiate with our partners (Intact, Aviva, Wawanesa, Promutuel, SSQ, Unica, etc.) to present you with the 2-3 best options according to your profile.<\/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;\">You choose and sign online<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Effective same-day coverage if required. Documents sent by secure email. Monthly or annual payment of your choice.  <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-home-insurance-coverage-in-Montreal\"><\/span>Essential home insurance coverage in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A home insurance policy in Montreal generally includes several basic coverages, to which you often have to add <strong>specific endorsements<\/strong> to be truly protected. Here are the coverages that our brokers consistently recommend: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Building &#038; Property<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers the structure, exterior cladding, interior goods (furniture, clothing, electronics). Always require <strong>replacement cost<\/strong>. <\/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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Civil liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Minimum $1 million, recommended <strong>$2 million<\/strong> in Montreal to cover damage caused to a neighbour (water damage, communicating fire).<\/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;\">\ud83d\udca7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Sewer backup<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Essential endorsement in Montreal. Covers damage caused by backing up from the municipal network in your basement. <\/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\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Surface water \/ flooding<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Essential near the Rivi\u00e8re-des-Prairies, the St. Lawrence River or the Lachine Canal. Check your flood zone with the CMM. <\/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\udfe8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Living expenses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your home becomes uninhabitable (after a fire or major damage), the insurer will pay for the hotel and meals for the duration of the repairs.<\/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;\">\ud83d\udc8e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Valuables<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Jewelry, artwork, musical instruments, e-bikes. Basic ceilings are often insufficient: add a specific endorsement. <\/p>\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;\">Beware of common exclusions<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Basic policies often exclude: <strong>sewer backup, surface water, earthquake, roof infiltration, pet damage, and short-term rentals (Airbnb).<\/strong> Always ask your broker for the full list of exclusions before signing. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10-Tips-to-Reduce-Your-Home-Insurance-Premium-in-Montreal\"><\/span>10 Tips to Reduce Your Home Insurance Premium in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The home insurance premium is not fixed: it is <strong>negotiated<\/strong> and <strong>modulated<\/strong> according to your choices. Here are 10 proven strategies by our brokers to lower your bill: <\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Increasing your deductible<\/strong> from $500 to $1,000 can reduce your premium by 10% to 15%.<\/li>\n<li><strong>Combining car and home<\/strong> with the same insurer: 10% to 20% discount.<\/li>\n<li><strong>Install an alarm system<\/strong> connected to a ULC-certified control panel: up to 15% off.<\/li>\n<li><strong>Upgrade plumbing<\/strong> (replace lead or galvanized pipes): discount and better acceptance.<\/li>\n<li><strong>Renovate the electricity<\/strong> (replace the knob-and-tube or fuses with a modern panel).<\/li>\n<li><strong>Install a check valve<\/strong> for sewer backup (mandatory for some insurers in Montreal).<\/li>\n<li><strong>Compliant smoke and monoxide detectors<\/strong> , fire extinguisher in the kitchen: small cumulative discounts.<\/li>\n<li><strong>Pay annually<\/strong> instead of monthly: Avoid split fees (up to 4%).<\/li>\n<li><strong>Maintain a good credit history<\/strong> : Most insurers use the score to rate.<\/li>\n<li><strong>Shop every 3 years<\/strong> through a broker \u2014 Assur360 does it for free for you.<\/li>\n<\/ol>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAVE STARTING TODAY<\/p>\n  <h3 style=\"color:#fff;font-size:26px;margin:0 0 16px;\">Is your current premium too high?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF brokers compare 30+ insurers in minutes. Average savings in Montreal: $225 per year.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-vs-Insurance-Agent-The-Difference-in-Montreal\"><\/span>Broker vs. Insurance Agent: The Difference in Montreal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Many Montrealers still confuse <strong>insurance broker<\/strong> and <strong>agent<\/strong>. However, the distinction is fundamental according to <a href=\"https:\/\/chad.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">the Chamber of Insurance:<\/a> <\/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:#fff;\">\n        <th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th>\n        <th style=\"padding:14px 16px;text-align:left;\">Broker (Assur360)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;\">Insurance Agent<\/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;\">Represents<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">You, the Customer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">One Company<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Number of insurers<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">30+ insurers<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 insurer<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Price comparison<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes, automatic<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Independent advice<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Limited to in-house products<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">AMF Certification<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes (mandatory)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Yes (mandatory)<\/td><\/tr>\n      <tr style=\"background:#fff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Fees for the customer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">None (insurance commission)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">None<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">In summary: an <strong>Assur360 broker<\/strong> saves you time and money by shopping for yourself, without it costing you anything. It is the insurer who pays the commission to the broker, not the client. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home-insurance-on-the-island-of-Montreal-and-the-metropolitan-area\"><\/span>Home insurance on the island of Montreal and the metropolitan area<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our brokers insure residents throughout the island of Montreal as well as in the neighbouring municipalities of the Metropolitan Community. We work with clients in <strong>Montreal<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Brossard<\/strong>, <strong>Saint-Lambert<\/strong>, <strong>Boucherville<\/strong>, <strong>Dollard-des-Ormeaux<\/strong>, <strong>Pointe-Claire<\/strong>, <strong>Kirkland<\/strong>, <strong>Pierrefonds-Roxboro<\/strong>, <strong>Repentigny<\/strong>, <strong>Terrebonne<\/strong>, <strong>Mascouche<\/strong>, <strong>Mirabel<\/strong> and <strong>Saint-J\u00e9r\u00f4me<\/strong>. We also have specialized brokers for prestigious residential areas (Westmount, Outremont, Hampstead, Mount Royal).  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other-useful-pages\"><\/span>Other useful pages<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\/assurance-habitation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home Insurance \u2014 General Guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">All the protections, deductibles, and advice for your home insurance policy in Quebec.<\/p>\n  <\/a>\n  <a href=\"\/assurance-copropriete\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Condo Insurance (Co-ownership)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specifics of Law 16, tenant improvements, liability in co-ownership.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/?page_id=13244\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Tenant Insurance Montreal<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your belongings and liability in an apartment for as little as $15\/month.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/laval\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home Insurance Laval<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Prices, neighborhoods, and specifics from Laval-des-Rapides to Sainte-Doroth\u00e9e.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/longueuil\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home Insurance Longueuil<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">South Shore: Vieux-Longueuil, Saint-Hubert, Greenfield Park.<\/p>\n  <\/a>\n  <a href=\"\/assurance-maison-de-luxe\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Luxury Home Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For residences of $750,000+ in Westmount, Outremont, Hampstead.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Montreal-Home-Insurance\"><\/span>Frequently Asked Questions \u2014 Montreal Home Insurance<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 home insurance cost in Montreal in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a tenant, expect to pay between $220 and $420 per year. For a condo owner, between $380 and $720. For a plex owner, between $950 and $1,800. For a single-family home, between $880 and $1,650. These prices vary depending on the borough, the age of the building, and your profile. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Get a personalized quote in 3 minutes<\/a>.<\/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 home insurance mandatory in Montreal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, home insurance is not legally required in Quebec. However, it is <strong>required<\/strong> by most financial institutions as soon as you have a mortgage, and by most landlords renting out a property. For condominiums, <strong>Bill 16<\/strong> requires that both the syndicate and the co-owner be insured.<\/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;\">Are sewer backups automatically covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Sewer backup is an <strong>optional endorsement<\/strong> (often referred to as &#8220;RE&#8221; or &#8220;groundwater&#8221;). It is highly recommended in Montreal, especially in Rosemont, Villeray, Saint-L\u00e9onard, and Saint-Michel. Some insurers require the installation of a backwater valve to offer it.<\/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;\">How can I reduce my home insurance premium in Montreal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Increase your deductible (from $500 to $1,000 = 10-15% discount), bundle auto and home insurance (10-20%), install a ULC-connected alarm system (up to 15%), upgrade your plumbing and electrical systems, and shop around every 3 years through an insurance broker. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Compare 30+ insurers for free<\/a>.<\/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 should I do if I have a history of claims?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you have two or more claims in the last 5 years, many direct insurers will refuse to insure you or will significantly increase your premium. An Assur360 broker can access specialized insurers that accept <strong>high-risk<\/strong> clients at reasonable rates. Contact us to evaluate your options.<\/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;\">My property is in a flood zone: can I get insured?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, but not by all insurers. The <a href=\"https:\/\/cmm.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">Metropolitan Community of Montreal<\/a> publishes maps of flood zones. If your address is in a 0-20 year zone, &#8220;surface water&#8221; coverage may be denied by several companies. A broker can identify insurers that accept these risks (Intact, Wawanesa, Promutuel).<\/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 special insurance required for an Airbnb property in Montreal?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Most residential policies <strong>exclude<\/strong> short-term rentals. You need to purchase a commercial policy or a specific &#8220;commercial dwelling&#8221; endorsement. In Montreal, tourist accommodations are also regulated by the City and the CITQ \u2014 your broker can guide you.<\/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 is the difference between an &#8220;all risks&#8221; policy and a &#8220;named perils&#8221; policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <strong>all risks<\/strong> policy covers all claims <em>except<\/em> those explicitly excluded (the most protective). A <strong>named perils<\/strong> policy only covers the events listed (fire, theft, vandalism, etc.). In Montreal, we consistently recommend the all risks option for homeowners. For tenants, a named perils policy may suffice.<\/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;\">How long does it take to get a quote with Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The online form takes 3 minutes. A broker will call you back within 24 business hours to validate and present the best options. Your policy can be effective the same day if necessary. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Get started now<\/a>.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"How much does home insurance cost in Montreal in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For a tenant: $220-$420\/year. For a condo: $380-$720\/year. For a plex: $950-$1,800\/year. For a house: $880-$1,650\/year. Prices vary by borough, building age, and profile.\"}},\n{\"@type\":\"Question\",\"name\":\"Is home insurance mandatory in Montreal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not by law, but it is required by financial institutions with a mortgage and by most rental property owners. Law 16 requires it for condominiums.\"}},\n{\"@type\":\"Question\",\"name\":\"Are sewer backups automatically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Sewer backup is an optional endorsement highly recommended in Montreal, especially in Rosemont, Villeray, Saint-L\u00e9onard, and Saint-Michel.\"}},\n{\"@type\":\"Question\",\"name\":\"How can I reduce my home insurance premium in Montreal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Increase your deductible, bundle auto and home insurance, install a ULC alarm system, upgrade plumbing and electrical systems, and shop around every 3 years through an insurance broker.\"}},\n{\"@type\":\"Question\",\"name\":\"What should I do if I have a claims history?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An Assur360 broker can access specialized insurers who accept high-risk clients at reasonable rates.\"}},\n{\"@type\":\"Question\",\"name\":\"My home is in a flood zone, can I get insured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but not by all insurers. A broker can identify those who accept these risks (Intact, Wawanesa, Promutuel).\"}},\n{\"@type\":\"Question\",\"name\":\"Is special insurance required for an Airbnb in Montreal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Residential policies generally exclude short-term rentals. A commercial policy or specific endorsement is required.\"}},\n{\"@type\":\"Question\",\"name\":\"What is the difference between all-risk and named perils?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All-risk covers everything except exclusions (more protective). Named perils only cover listed events. All-risk is recommended for homeowners.\"}},\n{\"@type\":\"Question\",\"name\":\"How long does it take to get a quote with Assur360?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"3 minutes for the online form. A broker will call back within 24 business hours. Policy effective the same day if necessary.\"}}\n]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> Submissions<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in QC<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Phone: <strong>1-866-357-4451<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">Ready to compare your home insurance in Montreal?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">30+ insurers, 3 minutes, no commitment. AMF brokers based in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" 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;\">My quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home insurance in Quebec\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Home insurance Montreal\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance in Montreal has become a must for any homeowner, co-owner or tenant in the city. Between sewer backups in Rosemont, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Home Insurance Montreal 2026 \u2014 Prices, Neighbourhoods | Assur360","_seopress_titles_desc":"Montreal 2026 Home Insurance: Prices by Borough, Sewer Backup, AMF Broker. Compare 30+ insurers and save 25%. Submission 3 min.  ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Cheap Montreal Home Insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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