{"id":20011,"date":"2021-03-15T13:38:03","date_gmt":"2021-03-15T17:38:03","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/"},"modified":"2026-04-10T13:44:15","modified_gmt":"2026-04-10T17:44:15","slug":"apartment-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/","title":{"rendered":"Apartment insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/appartement\/#article\", \"headline\": \"Assurance appartement\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/appartement\/\", \"datePublished\": \"2021-03-15T13:38:03\", \"dateModified\": \"2026-03-27T11:48:36\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"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\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Enfin une assurance appartement simple et \u00e9conomique! Il est important d'assurer son logement, c'est votre responsabilit\u00e9. A partir de 9$ par mois seulement\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">HABITATION<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Assurance maison au Qu\u00e9bec<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Propri\u00e9taires : couvrez maison, biens et responsabilit\u00e9 civile.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"\/?page_id=16465\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Soumission habitation<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2024\/02\/orso-courtier-assurance-maison.png\" alt=\"Orso, courtier d'assurance maison au Qu\u00e9bec\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\" \/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/#Everything-you-need-to-know-about-home-insurance\" >Everything you need to know about home insurance<\/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\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/#Why-take-out-home-insurance\" >Why take out home insurance?<\/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\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/#What-is-tenant-insurance\" >What is tenant insurance?<\/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\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/#Who-should-take-out-tenant-insurance\" >Who should take out tenant insurance?<\/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\/blog\/home-insurance-in-quebec-2\/apartment-insurance-2\/#FAQ-Insuring-your-apartment\" >FAQ Insuring your apartment<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Everything-you-need-to-know-about-home-insurance\"><\/span>Everything you need to know about home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In the case of a first home, whether it is an apartment or a house, you must always have insurance. <a title=\"Insurance Professional\" href=\"https:\/\/www.insuranceinstitute.ca\/fr\/cip-fcip-designations\/cip\" target=\"_blank\" rel=\"nofollow noopener\">Professionals<\/a> in the sector call it &#8220;apartment insurance&#8221;. For a neophyte, the concept can be quite complex to grasp. Hence the interest in being well informed on the issue before embarking on any process. This article will give some answers.    <\/p>\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/assurance-appartement.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/assurance-appartement.jpg\" alt=\"Apartment Quote Insurance\" class=\"wp-image-5201\" title=\"Apartment Quote\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-take-out-home-insurance\"><\/span>Why take out home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>In Quebec, nearly <strong>40% of tenants<\/strong> are uninsured. That is to say, they expose themselves to different risks. It is important to know that <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-during-a-power-outage-2\/\">the owner&#8217;s home insurance only covers<\/a> the owner&#8217;s belongings. If claims occur, the tenant may be left behind if they do not have home insurance. Indeed, this insurance policy is intended to help the tenant in the event of a problem. In addition, mixing the landlord&#8217;s insurance policy with the tenant&#8217;s insurance policy is a common mistake made by the tenant. Whereas these two contracts cover very different things.      <\/p>\n\n<p>The homeowner&#8217;s home insurance covers all the property he owns. It is therefore important to remember that the tenant&#8217;s belongings are not covered by his insurance policy. To be <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">insured, the tenant will have to take out home insurance<\/a> to benefit from the coverage in the same way as the owner.  <\/p>\n\n<p>It should also be noted that the risks incurred because of the lack of home insurance are numerous. In the event of a problem, the assumption of responsibility for the damage may become a reason for the owner, his <a href=\"https:\/\/www.assur360.ca\/en\/promutuel-insurance-online-quote\/\">insurance company<\/a> or those of the other tenants to file a complaint against the uninsured tenant, but whose liability is engaged. <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/assureur-appartement.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/assureur-appartement.jpg\" alt=\"Cheap apartment insurer\" class=\"wp-image-5202\" title=\"Apartment insurance company\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How can I subscribe?<\/h3>\n\n<p>Having apartment insurance is not mandatory by law, except that being covered is particularly beneficial in the event of a problem. So, how do you take out home insurance? Note that the protection must include all property, whether it is of &#8220;value or not&#8221;. In addition, there are a few things to know about the modalities.   <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/soumisison-assurance-appartement.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/soumisison-assurance-appartement.jpg\" alt=\"Apartment insurance quote\" class=\"wp-image-5203\" title=\"insured apartment\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Tenant home insurance, double protection<\/h3>\n\n<p>First of all, there is civil liability. This insurance policy covers all of the tenant&#8217;s belongings and any damage they may cause to others. In the event <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/everything-you-need-to-know-about-maple-syrup-insurance-quick-quote-2\/\">of a fire that affects an entire<\/a> building, the tenant will benefit from coverage for the destruction of his or her property. For a simple incident such as damage caused by a water leak from a neighbour&#8217;s home, he also receives compensation <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/quad-and-snowmobile-are-you-well-insured-to-get-around-2\/\">for all of his damaged property<\/a> as well as the expenses that the damage will have caused.   <\/p>\n\n<p>These are two areas of application of <a title=\"Home insurance broker\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-broker\/\">home insurance<\/a> for the tenant. On the one hand, there is property and on the other, material damage or bodily injury caused to others. It is also important to know that civil liability also covers the spouse and children. In the case of a shared apartment, the roommate should be listed in the contract by the <a title=\"Insurance Broker\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\" target=\"_blank\" rel=\"noopener\">insurance<\/a> broker.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-tenant-insurance\"><\/span>What is tenant insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Tenant insurance covers you and your belongings when you rent out your home (rather than when you own it).<\/p>\n\n<p>Although many insurers classify tenant insurance as home insurance, an important distinction is that apartment insurance does not cover the building you live in. This is probably covered by your landlord&#8217;s insurance. <\/p>\n\n<p>For this reason, apartment insurance tends to be cheaper than home insurance.<\/p>\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/courtier-assurance-appartement-1.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/03\/courtier-assurance-appartement-1.jpg\" alt=\"Broker apartment insurance\" class=\"wp-image-6698\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-should-take-out-tenant-insurance\"><\/span>Who should take out tenant insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Take a second to think about the total value of your belongings in the main room of your home.<\/p>\n\n<p>Would you have the means to replace all the important objects if they were to disappear?<\/p>\n\n<p>If you answered no, tenant insurance may be <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/are-you-looking-for-car-insurance-for-laval\/\">a good idea for you<\/a>. It will cover your belongings against theft and damage, and provide you with useful additional benefits, such as liability insurance. <\/p>\n\n<p>That said, <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/your-first-cottage-insurance-what-you-need-to-know-2\/\">you need to make sure<\/a> that you can afford the monthly fee. This is usually $15 to $30 per month, which is about $200 to $360 per year.<\/p>\n\n<p>But sometimes you have no choice: some landlords require the tenant&#8217;s insurance to be part of the rental agreement. If you sign this contract, you agree to take out tenant insurance and you will have to comply with it or you will be evicted, except in Quebec. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-Insuring-your-apartment\"><\/span>FAQ Insuring your apartment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details id=\"qux27est-ce-que-lx27assurance-appartement\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Qu&#x27;est-ce que l&#x27;assurance appartement?<\/strong><\/summary>\n\n<p>Apartment insurance is an insurance policy that <strong>covers damage<\/strong> or loss occurring in a rented or owned apartment. It can cover personal property, civil liability, and sometimes additional housing costs in the event of a claim. <\/p>\n\n<\/details>\n\n<details id=\"quelle-difference-entre-lx27assurance-appartement-et-lx27ass\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Quelle diff\u00e9rence entre l&#x27;assurance appartement et l&#x27;assurance propri\u00e9taire?<\/strong><\/summary>\n\n<p>Apartment insurance, often referred to as tenant insurance, covers the occupant&#8217;s personal property and liability. Landlord insurance, on the other hand, <strong>covers the structure of the building<\/strong> and the common areas, but not the tenants&#8217; personal belongings. <\/p>\n\n<\/details>\n\n<details id=\"comment-determiner-le-montant-de-la-couverture-necessaire\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How do I determine the amount of coverage needed?<\/strong><\/summary>\n\n<p>To determine the amount of coverage, assess the <strong>total value of your personal belongings<\/strong> and consider the amount of liability you want. It can be helpful to make a detailed inventory of your belongings. <\/p>\n\n<\/details>\n\n<details id=\"comment-faire-une-reclamation\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How do I make a claim?<\/strong><\/summary>\n\n<p>In the event of a claim, <strong>contact your insurer immediately<\/strong> to report the claim. Provide all necessary information and documents, such as police reports or proof of ownership and value of damaged or stolen property. <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'est-ce que l'assurance appartement?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance appartement est une police d'assurance qui couvre les dommages ou les pertes survenant dans un appartement lou\u00e9 ou poss\u00e9d\u00e9. 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L'assurance propri\u00e9taire, quant \u00e0 elle, couvre la structure du b\u00e2timent et les parties communes, mais pas les biens personnels des locataires.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment d\u00e9terminer le montant de la couverture n\u00e9cessaire?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pour d\u00e9terminer le montant de la couverture, \u00e9valuez la valeur totale de vos biens personnels et consid\u00e9rez le montant de la responsabilit\u00e9 civile que vous souhaitez. Il peut \u00eatre utile de faire un inventaire d\u00e9taill\u00e9 de vos biens.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment faire une r\u00e9clamation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"En cas de sinistre, contactez imm\u00e9diatement votre assureur pour d\u00e9clarer le sinistre. Fournissez toutes les informations et documents n\u00e9cessaires, tels que les rapports de police ou les preuves de propri\u00e9t\u00e9 et de valeur des biens endommag\u00e9s ou vol\u00e9s.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Everything you need to know about home insurance In the case of a first home, whether it is an apartment or a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14696,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Apartment Insurance Quebec \u2014 Compare & Save | Assur360","_seopress_titles_desc":"Finally a simple and economical apartment insurance! It is important to insure your home, it is your responsibility.... 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