{"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":"2026-04-10T13:44:17","modified_gmt":"2026-04-10T17:44:17","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\": \"Pourquoi assurer son logement ?\", \"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, 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\": \"Pourquoi assur\u00e9 votre logement ? Nos solutions \u00e9conomiques vont r\u00e9gler votre situation. Voici nos conseils et demandez une soumission d'assurance logement.\"}\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_83 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\/#Comment-sassurer-lorsquon-est-locataire\" >Comment s&#8217;assurer lorsqu&#8217;on est locataire ?<\/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\/#Des-protections-pour-les-divers-degats\" >Des protections pour les divers d\u00e9g\u00e2ts<\/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=\"Comment-sassurer-lorsquon-est-locataire\"><\/span>Comment s&#8217;assurer lorsqu&#8217;on est locataire ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pas moins de 25% des locataires qu\u00e9b\u00e9cois ne disposent pas d\u2019une <a href=\"https:\/\/www.assur360.ca\/assurance-logement\/\">assurance logement adapt\u00e9e<\/a>. G\u00e9n\u00e9ralement parce qu\u2019ils pensent que le bien immobilier ne leur appartient pas alors ils n\u2019ont pas besoin de contracter une assurance logement qui est d\u00e9di\u00e9e aux propri\u00e9taires. Or cette id\u00e9e est fausse car une protection habitat est destin\u00e9e et profitable \u00e0 tous.<\/p>\n<p>L\u2019assurance habitation pour les locataires prend tout son sens en cas d\u2019incidents comme un incendie qui se d\u00e9clare, des d\u00e9g\u00e2ts d\u2019eau qui portent pr\u00e9judice aux voisins, un vol de diff\u00e9rents biens au sein du domicile, etc.<\/p>\n<p>Pour un locataire, contracter une <a title=\"Assurance\" href=\"\/a-propos\/4\" target=\"_blank\" rel=\"noopener\">assurance<\/a> locataire ad\u00e9quate permet de profiter de plus de tranquillit\u00e9 en cas de sinistre. Personne n\u2019est \u00e0 l\u2019abri d\u2019un incendie, d\u2019un vol ou d\u2019un acte de vandalisme et en cas de sinistre, le remplacement des biens perdus ou endommag\u00e9s s\u2019av\u00e8re on\u00e9reux. M\u00eame si les objets n\u2019ont pas une grande valeur, mais le fait de devoir remplacer des v\u00eatements, des CD, des articles d\u2019\u00e9lectrom\u00e9nager ou autres objets n\u00e9cessite de l\u2019argent. Des d\u00e9penses qui gr\u00e8vent le budget du foyer et qu\u2019on peut \u00e9viter gr\u00e2ce \u00e0 une protection adapt\u00e9e.<\/p>\n<p>L\u00e9galement parlant, la responsabilit\u00e9 du locataire est engag\u00e9e pour tous les d\u00e9g\u00e2ts affectant la partie de l\u2019immeuble qu\u2019il occupe, y compris ceux caus\u00e9s \u00e0 autrui qu\u2019il s\u2019agisse de r\u00e9sidents ou m\u00eame des invit\u00e9s. Le locataire assume aussi la responsabilit\u00e9 des dommages g\u00e9n\u00e9r\u00e9s par son animal de compagnie et peut m\u00eame \u00eatre poursuivi en justice en cas d\u2019absence lors de l\u2019incident.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-2810 size-large\" title=\"courtier assurance logement\" 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=\"assureur logement \" width=\"960\" height=\"396\"  sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Des-protections-pour-les-divers-degats\"><\/span>Des protections pour les divers d\u00e9g\u00e2ts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Une assurance habitat pour locataire permet de profiter de protections adapt\u00e9es pour couvrir aussi bien la responsabilit\u00e9 civile que les possessions personnelles du locataire.<\/p>\n<p>Une assurance locataire de base compte g\u00e9n\u00e9ralement, une couverture des biens personnels qui s\u2019active en cas d\u2019incendie, de vol ou de vandalisme, en plus d\u2019une protection responsabilit\u00e9 civile. Cette derni\u00e8re est requise lorsque le locataire ou ses invit\u00e9s causent des d\u00e9g\u00e2ts au logement, aux voisins ou \u00e0 l\u2019immeuble.<\/p>\n<p>Une telle assurance peut \u00eatre compl\u00e9t\u00e9e par des garanties compl\u00e9mentaires couvrant les biens personnels plac\u00e9s \u00e0 titre temporaire \u00e0 l\u2019ext\u00e9rieur du <a title=\"logis\" href=\"https:\/\/www.rdl.gouv.qc.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">logis<\/a>, les poursuites civiles dans le cas de dommages corporels caus\u00e9s accidentellement \u00e0 autrui, entre autres.<\/p>\n<h3>Qu\u2019en est-il de la prime\u00a0d&#8217;assurance logement ?<\/h3>\n<p>Pour les personnes soucieuses du co\u00fbt de cette assurance, il faut dire que l\u2019assurance locataire ne co\u00fbte que quelques dollars par mois. \u00c9videmment le montant de la prime varie en fonction du logement, des biens couverts, du type de chauffage, etc. Pour r\u00e9aliser quelques \u00e9conomies, il serait astucieux de regrouper les diff\u00e9rentes assurances (auto, locataire etc.) chez le m\u00eame assureur pour b\u00e9n\u00e9ficier d\u2019importantes remises. <a href=\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/appartement\/\">Une assurance appartement<\/a> est un choix judicieux pour contrer les impr\u00e9vus et pour faire face aux d\u00e9penses g\u00e9n\u00e9r\u00e9es par un \u00e9ventuel sinistre sans grever le budget de son foyer.<\/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>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>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>Est-il obligatoire d&#x27;avoir une assurance habitation au Qu\u00e9bec ?<\/strong><\/summary>\n<p>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\": \"Combien co\u00fbte une assurance habitation au Qu\u00e9bec en 2026 ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le prix moyen d'une assurance habitation au Qu\u00e9bec se situe entre 800 $ et 2 000 $ par ann\u00e9e, selon la valeur de la propri\u00e9t\u00e9, l'emplacement, la franchise et les protections choisies. Obtenez une soumission gratuite pour conna\u00eetre votre prix exact.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les protections incluses dans une assurance habitation ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une assurance habitation standard couvre g\u00e9n\u00e9ralement l'incendie, le vol, le vandalisme, les d\u00e9g\u00e2ts d'eau (sauf refoulement d'\u00e9gout, en option), la responsabilit\u00e9 civile et les frais de subsistance si votre domicile est inhabitable. V\u00e9rifiez les exclusions avec votre courtier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-il obligatoire d'avoir une assurance habitation au Qu\u00e9bec ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance habitation n'est pas l\u00e9galement obligatoire au Qu\u00e9bec, mais elle est exig\u00e9e par la quasi-totalit\u00e9 des pr\u00eateurs hypoth\u00e9caires. Pour les locataires, elle est fortement recommand\u00e9e pour prot\u00e9ger vos biens et votre responsabilit\u00e9 civile.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Comment s&#8217;assurer lorsqu&#8217;on est locataire ? Pas moins de 25% des locataires qu\u00e9b\u00e9cois ne disposent pas d\u2019une assurance logement adapt\u00e9e. G\u00e9n\u00e9ralement parce [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14048,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_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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