{"id":20191,"date":"2017-02-14T16:12:23","date_gmt":"2017-02-14T21:12:23","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/why-insure-your-home\/"},"modified":"2026-06-25T23:34:20","modified_gmt":"2026-06-26T03:34:20","slug":"why-insure-your-home","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/why-insure-your-home\/","title":{"rendered":"Why insure your home?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/pourquoi-assurer-son-logement\/#article\", \"headline\": \"Why insure your home?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/pourquoi-assurer-son-logement\/\", \"datePublished\": \"2017-02-14T16:12:23\", \"dateModified\": \"2026-03-27T12:37:49\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, certified AMF insurance broker (n\u00ba 2000037336), has owned Assur360 for over 30 years.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Property and Casualty Insurance Firm License (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\": \"Why insure your home? Our economical solutions will resolve your situation. Here are our tips and request a home insurance quote.\"}\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<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 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\/why-insure-your-home\/#How-to-insure-yourself-when-you-are-a-tenant\" >How to insure yourself when you are a tenant?<\/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\/why-insure-your-home\/#Protections-for-various-damages\" >Protections for various damages<\/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\/why-insure-your-home\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How-to-insure-yourself-when-you-are-a-tenant\"><\/span>How to insure yourself when you are a tenant?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not less than 25% of Quebec tenants do not have an <a href=\"https:\/\/www.assur360.ca\/assurance-logement\/\">adequate home insurance<\/a>. Generally because they think that the property does not belong to them, so they do not need to take out home insurance that is dedicated to homeowners. However, this idea is false because home protection is intended for and beneficial to everyone.<\/p>\n<p>Home insurance for tenants makes perfect sense in the event of incidents such as a fire breaking out, water damage affecting neighbors, theft of various belongings within the home, etc.<\/p>\n<p>For a tenant, taking out an adequate <a title=\"Insurance\" href=\"\/a-propos\/4\" target=\"_blank\" rel=\"noopener\">insurance<\/a> policy allows for more peace of mind in the event of a disaster. No one is immune to a fire, theft, or acts of vandalism, and in the event of a disaster, replacing lost or damaged belongings can be costly. Even if the items do not have great value, having to replace clothing, CDs, appliances, or other items requires money. Expenses that burden the household budget and can be avoided with appropriate protection.<\/p>\n<p>Legally speaking, the tenant is responsible for all damages affecting the part of the building they occupy, including those caused to others, whether they are residents or even guests. The tenant is also responsible for damages caused by their pet and can even be sued in the event of their absence during the incident.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-2810 size-large\" title=\"home insurance broker\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2017\/02\/assurance-logement-1024x422.jpg\" alt=\"home insurer\" width=\"960\" height=\"396\"  sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Protections-for-various-damages\"><\/span>Protections for various damages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tenant home insurance allows for appropriate protections to cover both civil liability and the personal belongings of the tenant.<\/p>\n<p>A basic tenant insurance policy generally includes coverage for personal belongings that activates in the event of fire, theft, or vandalism, in addition to civil liability protection. The latter is required when the tenant or their guests cause damage to the housing, neighbors, or the building.<\/p>\n<p>This insurance can be supplemented with additional guarantees covering personal belongings temporarily placed outside the <a title=\"home\" href=\"https:\/\/www.rdl.gouv.qc.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">home<\/a>, civil lawsuits in the case of bodily injury accidentally caused to others, among others.<\/p>\n<h3>What about the home insurance premium?<\/h3>\n<p>For those concerned about the cost of this insurance, it should be noted that tenant insurance costs only a few dollars per month. Obviously, the amount of the premium varies depending on the housing, the covered belongings, the type of heating, etc. To save some money, it would be wise to bundle different insurances (auto, tenant, etc.) with the same insurer to benefit from significant discounts. <a href=\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/appartement\/\">Apartment insurance<\/a> is a wise choice to counter unforeseen events and to face expenses generated by a potential disaster without burdening the household budget.<\/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<details id=\"combien-coute-une-assurance-habitation-au-quebec-en-2026\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does home insurance cost in Quebec in 2026?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">The average price of home insurance in Quebec is between $800 and $2,000 per year, depending on the value of the property, the location, the deductible and the coverage chosen. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Get a free quote<\/a> to find out your exact price.<\/p>\n<\/details>\n\n<details id=\"quelles-sont-les-protections-incluses-dans-une-assurance-hab\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What coverage is included in home insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Standard home insurance typically covers fire, theft, vandalism, water damage (except sewer backup, optional), liability, and living expenses if your home is uninhabitable. Check the exclusions with your broker. <\/p>\n<\/details>\n\n<details id=\"est-il-obligatoire-davoir-une-assurance-habitation-au-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is it mandatory to have home insurance in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Home insurance is not legally mandatory in Quebec, but it is required by almost all mortgage lenders. For tenants, it is highly recommended to protect your property and civil liability. <\/p>\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\": \"How much does home insurance cost in Quebec in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The average price of home insurance in Quebec ranges from $800 to $2,000 per year, depending on the value of the property, location, deductible, and chosen coverages. 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For tenants, it is strongly recommended to protect your belongings and liability.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>How to insure yourself when you are a tenant? Not less than 25% of Quebec tenants do not have an adequate home [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14048,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Why Insure Your Home in Quebec? \u2014 Essential Guide | Assur360","_seopress_titles_desc":"Why insure your home? Our cost-effective solutions will solve your situation. Here are our tips and ask for a home insurance quote.  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