{"id":28137,"date":"2026-02-07T13:00:10","date_gmt":"2026-02-07T18:00:10","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/the-impact-of-the-age-of-buildings-and-historical-standards\/"},"modified":"2026-04-19T20:13:31","modified_gmt":"2026-04-20T00:13:31","slug":"the-impact-of-the-age-of-buildings-and-historical-standards","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/the-impact-of-the-age-of-buildings-and-historical-standards\/","title":{"rendered":"The impact of the age of buildings and historical standards"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/impact-de-age-des-batiments-normes-historiques\/#article\",\"headline\":\"L'impact de l'\u00e2ge des b\u00e2timents et des normes historiques sur l'assurance habitation au Qu\u00e9bec\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/impact-de-age-des-batiments-normes-historiques\/\",\"datePublished\":\"2026-02-07T13:00:10\",\"dateModified\":\"2026-04-19T15:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"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\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Comment l'\u00e2ge d'un b\u00e2timent, ses mat\u00e9riaux et la conformit\u00e9 aux normes influencent votre prime d'assurance habitation au Qu\u00e9bec. Conseils d'un courtier AMF.\"}\n<\/script>\n\n<style>\n#ez-toc-container{display:none!important}\n.a360-age-hero{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;border-radius:16px;margin:0 0 32px}\n.a360-age-hero .badge{display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:14px}\n.a360-age-hero h1{color:#fff!important;font-size:34px;font-weight:800;margin:0 0 14px;line-height:1.25;border:none;padding:0}\n.a360-age-hero p{color:#cbd5e1;font-size:17px;line-height:1.6;max-width:780px;margin:0 auto 24px}\n.a360-age-hero p strong{color:#10c4c7}\n.a360-age-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}\n.a360-age-btn-teal{display:inline-block;background:#10c4c7;color:#fff!important;padding:14px 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a{color:#10c4c7;text-decoration:underline}\n.a360-age-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:14px;border-radius:8px;overflow:hidden}\n.a360-age-table th{background:#0d1f2d;color:#fff;padding:12px;text-align:left;font-weight:700}\n.a360-age-table td{padding:12px;border-bottom:1px solid #e2e8f0;color:#334155;vertical-align:top}\n.a360-age-table tr:nth-child(even) td{background:#f8fafc}\n.a360-age-eeat{background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px;text-align:center}\n.a360-age-eeat .v{color:#10c4c7;font-size:24px;font-weight:800}\n.a360-age-eeat .l{color:#334155;font-size:13px;margin-top:4px}\n.a360-age-cta-final{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:50px 30px;border-radius:16px;text-align:center;margin:40px 0}\n.a360-age-cta-final h2{color:#fff!important;font-size:28px;margin:0 0 12px;border:none;padding:0}\n.a360-age-cta-final p{color:#94a3b8;font-size:16px;max-width:680px;margin:0 auto 24px;line-height:1.6}\n.a360-age-faq details{background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0}\n.a360-age-faq summary{background:#f8fafc;color:#0d1f2d;font-weight:700;padding:14px 18px;cursor:pointer;font-size:15px;border-radius:8px}\n.a360-age-faq details[open] summary{border-radius:8px 8px 0 0;border-bottom:1px solid #e2e8f0}\n.a360-age-faq .a{padding:14px 18px;color:#334155;font-size:14px;line-height:1.6}\n@media (max-width:760px){\n  .a360-age-hero h1{font-size:26px}\n  .a360-age-stats{grid-template-columns:repeat(2,1fr)}\n  .a360-age-cards{grid-template-columns:1fr}\n  .a360-age-eeat{grid-template-columns:1fr}\n  .a360-age-cta-final h2{font-size:22px}\n}\n<\/style>\n\n<div class=\"a360-age-hero\">\n  <div class=\"badge\">PATRIMOINE B\u00c2TI \u00b7 QU\u00c9BEC<\/div>\n  <h1><span class=\"ez-toc-section\" id=\"Limpact-de-lage-du-batiment-et-des-normes-historiques-sur-votre-prime-dassurance-habitation\"><\/span>L&#8217;impact de l&#8217;\u00e2ge du b\u00e2timent et des normes historiques sur votre prime d&#8217;assurance habitation<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p>L&#8217;\u00e2ge d&#8217;une maison, ses mat\u00e9riaux et la conformit\u00e9 aux <strong>codes du b\u00e2timent<\/strong> influencent directement votre prime \u2014 surtout au Qu\u00e9bec, o\u00f9 le patrimoine architectural cohabite avec la modernit\u00e9. Voici comment les assureurs \u00e9valuent le risque et comment <strong>r\u00e9duire votre prime<\/strong>.<\/p>\n  <div class=\"a360-age-btns\">\n    <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-rapide\/\" class=\"a360-age-btn-teal\">Obtenir ma soumission gratuite<\/a>\n    <a href=\"tel:+18663574451\" class=\"a360-age-btn-outline\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div class=\"a360-age-stats\">\n  <div><div class=\"num\">+30%<\/div><div class=\"lbl\">Surprime potentielle (b\u00e2ti > 50 ans)<\/div><\/div>\n  <div><div class=\"num\">-15%<\/div><div class=\"lbl\">Rabais apr\u00e8s mise \u00e0 niveau \u00e9lectrique<\/div><\/div>\n  <div><div class=\"num\">3<\/div><div class=\"lbl\">Syst\u00e8mes critiques \u00e9valu\u00e9s (\u00e9lec, plomb, toit)<\/div><\/div>\n  <div><div class=\"num\">2 min<\/div><div class=\"lbl\">Pour soumissionner en ligne<\/div><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Understanding how insurers perceive the age of a building is essential for any homeowner in Quebec. In Quebec City, Montreal, Trois-Rivi\u00e8res or Sherbrooke, insurance companies rely on detailed analyses to anticipate claims and adjust their premiums. In the nation&#8217;s capital, where Old Quebec and heritage neighbourhoods rub shoulders with new developments, this analysis takes on a particular dimension.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Seniority-the-first-factor-assessed-by-your-insurer\"><\/span>Seniority: the first factor assessed by your insurer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The year of construction is often the first data entered in the price list. An older building has accumulated natural wear and tear that makes it statistically more vulnerable to disasters. But this doesn&#8217;t have to be the case \u2014 quality of maintenance and major renovations weigh just as heavily in the evaluation.  <\/p>\n\n<div class=\"a360-age-cards\">\n  <div class=\"a360-age-card\">\n    <h3>Structure and foundations<\/h3>\n    <p>Cracks in the concrete, deformation of the wood, deteriorated joints. An aging roof is more vulnerable to infiltration during the torrential rains that are frequent in the fall. <\/p>\n  <\/div>\n  <div class=\"a360-age-card\">\n    <h3>Old electricity<\/h3>\n    <p>Knob-and-tube or aluminum wiring, Federal Pioneer panel, fuses: increased risk of fire. Several insurers refuse or overprice these installations. <\/p>\n  <\/div>\n  <div class=\"a360-age-card\">\n    <h3>Galvanized or lead plumbing<\/h3>\n    <p>Corrosion, leaks, backflow. The Quebec climate (freeze-thaw) aggravates the degradation of old pipes that are poorly insulated. <\/p>\n  <\/div>\n  <div class=\"a360-age-card\">\n    <h3>Roofing and shingles<\/h3>\n    <p>A roof that is more than 20 years old with asphalt shingles is often considered at risk. Metal or newer shingles reduce the premium. <\/p>\n  <\/div>\n  <div class=\"a360-age-card\">\n    <h3>Obsolete heating<\/h3>\n    <p>Furnace or boiler at the end of its life: less efficient, risk of breakdown or fire. Non-compliant underground oil tank = possible exclusion. <\/p>\n  <\/div>\n  <div class=\"a360-age-card\">\n    <h3>Snow load and wind<\/h3>\n    <p>Ancient structures were not always designed for today&#8217;s harsh winters or for the gusts of wind on the St. Lawrence plains.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Building-materials-what-the-insurer-looks-at\"><\/span>Building materials: what the insurer looks at<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The choice of materials \u2014 original or after renovation \u2014 weighs as much as age in the perception of risk. Some materials are durable, fire-resistant, and not prone to damage. Others require constant maintenance and increase the cost of disaster remediation.  <\/p>\n\n<h3 class=\"wp-block-heading\">Historic Materials: Charm and Challenges<\/h3>\n\n<p class=\"wp-block-paragraph\">In <strong>Old Quebec<\/strong>, <strong>the Plateau-Mont-Royal<\/strong>, Old <strong>Montreal<\/strong> or the heritage districts of <strong>Trois-Rivi\u00e8res<\/strong>, stone, solid wood and lime mortar dominate. They give them an undeniable charm \u2014 but the stone crumbles, the wood is prone to pests and rot, and some old mortars are permeable. The insurer will review the condition of these materials and the conservation measures in place.  <\/p>\n\n<h3 class=\"wp-block-heading\">Modern Materials: Rated Performance<\/h3>\n\n<p class=\"wp-block-paragraph\">Reinforced concrete, steel, treated wood, synthetic coatings: insurers scrutinize certifications, fire resistance, and behavior in the face of humidity. A <strong>metal roof<\/strong> has a lifespan 2 to 3 times longer than an old asphalt shingle roof and is more resistant to bad weather. <\/p>\n\n<div class=\"a360-age-alert\">\n  <h3>\u26a0\ufe0f Risks of refusal or exclusion<\/h3>\n  <p>Several characteristics of older buildings result in a refusal, a significant additional premium or an exclusion from coverage:<\/p>\n  <ul>\n    <li><strong>Knob-and-tube<\/strong> or <strong>aluminum<\/strong> wiring without inspection certification<\/li>\n    <li><strong>Federal Pioneer Stab-Lok<\/strong> electrical panel (recognized fire hazard)<\/li>\n    <li><strong>Lead<\/strong> or <strong>polybutylene<\/strong> plumbing<\/li>\n    <li><strong>Buried oil tank<\/strong> does not comply with MELCCFP standards<\/li>\n    <li>Roof <strong>more than 20 years<\/strong> old not replaced and without recent expertise<\/li>\n    <li>More <strong>than 25-year-old<\/strong> central heating system with no documented maintenance<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical-Standards-and-Evolution-of-Building-Codes-in-Quebec\"><\/span>Historical Standards and Evolution of Building Codes in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Building codes are constantly evolving to improve safety. Buildings built under old standards may not meet current requirements \u2014 resulting in higher risk in the eyes of insurers and, therefore, an adjusted premium. <\/p>\n\n<h3 class=\"wp-block-heading\">Building Codes Through Time<\/h3>\n\n<p class=\"wp-block-paragraph\">The first Quebec codes focused on fire prevention in dense urban centres such as the historic core of Quebec City. They have been expanded to include structural stability, health, accessibility and energy performance. Today, the <strong>Quebec Construction Code<\/strong> and the <strong>National Building Code<\/strong> impose rigorous standards that older buildings do not always meet.  <\/p>\n\n<h3 class=\"wp-block-heading\">Renovations and compliance with current standards<\/h3>\n\n<p class=\"wp-block-paragraph\">A major renovation is the perfect opportunity to bring your building into compliance. Insurers will look at the scope and quality of the work: a cosmetic update is not enough, but an overhaul of the electrical system or plumbing can significantly reduce your premium. <strong>Keep all your licenses and certificates of compliance<\/strong> \u2014 it&#8217;s your best bet in negotiation. <\/p>\n\n<h3 class=\"wp-block-heading\">Heritage Buildings and Historic Towns<\/h3>\n\n<p class=\"wp-block-paragraph\">In Quebec City, Old Montreal or Saint-Jean-sur-Richelieu, the built heritage often benefits from exemptions to preserve its character. Insurers then assess the risk according to the mitigation measures in place. A building classified as a historic monument can be insurable under special conditions if substantial investments have been made for its preservation.  <\/p>\n\n<div class=\"a360-age-conseil\">\n  <h3>\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p>Before buying an older property in Quebec, ask for a <strong>pre-purchase inspection<\/strong> by a certified professional. This expertise will help you avoid unpleasant surprises on the insurance side and give you concrete arguments to negotiate your premium. Our <a href=\"\/blog\/assurance-habitation-au-quebec\/\">Home Insurance section<\/a> details all the factors that influence your coverage.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-insurer-assesses-risk-a-comparison-table\"><\/span>How the insurer assesses risk: a comparison table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table class=\"a360-age-table\">\n  <thead>\n    <tr>\n      <th>Criterion<\/th>\n      <th>Description<\/th>\n      <th>Impact on the premium<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td><strong>Age of the building<\/strong><\/td><td>Year of construction<\/td><td>The older the age, the greater the risk of structural failure. Potential additional premium of 15% to 40% beyond age 50. <\/td><\/tr>\n    <tr><td><strong>Type of materials<\/strong><\/td><td>Wood, stone, concrete, brick<\/td><td>Wood increases the risk of fire; brick and concrete reduce the premium.<\/td><\/tr>\n    <tr><td><strong><\/strong><\/td><td>Knob-and-tube electrical system, fuses, aluminum, recent copper<\/td><td>Refusal possible with older systems; 5% to 15% discount after certified upgrade.<\/td><\/tr>\n    <tr><td><strong>Plumbing<\/strong><\/td><td>Lead, galvanized, copper, PEX<\/td><td>Lead\/galvanized = refusal or exclusion; Modern PEX reduces the premium.<\/td><\/tr>\n    <tr><td><strong>Roof<\/strong><\/td><td>Age, material (asphalt, metal, slate)<\/td><td>Roof > 20 years = surcharge or refusal; recent metal = discount of up to 10%.<\/td><\/tr>\n    <tr><td><strong>Heating<\/strong><\/td><td>Type, age, oil vs electric<\/td><td>Non-compliant buried fuel oil = exclusion; recent electrical = neutral\/positive.<\/td><\/tr>\n    <tr><td><strong>Major renovations<\/strong><\/td><td>Work in the last 10 years<\/td><td>Cumulative rebate possible up to 20% with proof of compliance.<\/td><\/tr>\n    <tr><td><strong>Location<\/strong><\/td><td>Flood zone, exposure to wind, proximity to fire hydrant<\/td><td>Varies depending on the municipality (Quebec, Montreal, Sherbrooke, Gatineau).<\/td><\/tr>\n  <\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Strategies-to-minimize-your-premium-in-Quebec\"><\/span>Strategies to minimize your premium in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">As a homeowner, you have several levers to reduce the risk associated with your old building \u2014 and therefore your home insurance premium. Here are the high-yielding stocks. <\/p>\n\n<h3 class=\"wp-block-heading\">Invest in preventative maintenance<\/h3>\n\n<p class=\"wp-block-paragraph\">Regularly monitor the roof, foundation, exterior siding and gutters. Quickly repair cracks and infiltrations. Replacing old single-pane windows with double- or triple-glazed models improves energy efficiency and reduces the risk of winter water damage.  <\/p>\n\n<h3 class=\"wp-block-heading\">Priority upgrades (maximum performance)<\/h3>\n\n<p class=\"wp-block-paragraph\">Four renovations give the best return on the insurance side: (1) <strong>complete electrical overhaul<\/strong> with modern panel and grounding, (2) <strong>replacement of<\/strong> PEX or copper plumbing, (3) <strong>new metal roofing<\/strong> or high-performance shingles, (4) <strong>installation of<\/strong> compliant smoke and CO detectors. Ask for certificates \u2014 they&#8217;re essential to redeem your discounts. <\/p>\n\n<h3 class=\"wp-block-heading\">Document and communicate with your broker<\/h3>\n\n<p class=\"wp-block-paragraph\">Keep invoices, permits and certificates of compliance for all work. Inform your broker as soon as a major renovation is completed \u2014 he or she can <strong>negotiate an update to your file<\/strong> and obtain a rate review in your favour. A well-informed broker is your best ally.  <\/p>\n\n<h3 class=\"wp-block-heading\">Explore Specialty Policies<\/h3>\n\n<p class=\"wp-block-paragraph\">Some companies offer specific policies for <strong>heritage and antique properties<\/strong> that take into account their particularities (original materials, identical replacement value, restoration requirements). Compare offers and chat with a broker who is familiar with these niche products. <\/p>\n\n<div class=\"a360-age-eeat\">\n  <div><div class=\"v\">AMF + ChAD<\/div><div class=\"l\">Certified firm<\/div><\/div>\n  <div><div class=\"v\">30+ years<\/div><div class=\"l\">Home Expertise<\/div><\/div>\n  <div><div class=\"v\">100K+<\/div><div class=\"l\">Quebecers recommended<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion-Act-before-time-costs-you\"><\/span>Conclusion: Act before time costs you<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The age of a building, its materials and its compliance with standards are structuring factors in the calculation of your premium \u2014 but they are not inevitable. A proactive approach (regular maintenance, strategic renovations, transparent communication with your broker) allows you to protect your wealth and obtain the best available conditions. For further advice, see also our article on <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/warehousing-and-logistics-insurance-quote\/\">warehousing and logistics insurance<\/a> if you manage property in an old building.  <\/p>\n\n<div class=\"a360-age-cta-final\">\n  <h2><span class=\"ez-toc-section\" id=\"Compare-your-home-insurance-premium\"><\/span>Compare your home insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Our team of AMF brokers analyzes your building, its features and renovations to obtain the best premium available from several insurers. Free quote, no obligation. <\/p>\n  <div class=\"a360-age-btns\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" class=\"a360-age-btn-teal\">Request my free<\/a>\n quote<a href=\"tel:+18663574451\" class=\"a360-age-btn-outline\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-Building-Age-and-Home-Insurance\"><\/span>FAQs \u2014 Building Age and Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"a360-age-faq\">\n<details><summary>Why does the age of a building increase the insurance premium?<\/summary><div class=\"a\">An older building has accumulated structural wear and tear (foundations, roof, framing) and its electrical, plumbing and heating systems may no longer meet standards. Statistically, claims are more frequent and more expensive to repair, which justifies a higher premium. <\/div><\/details>\n<details><summary>At what age does a building become problematic for insurers in Quebec?<\/summary><div class=\"a\">In Quebec, many insurers are starting to apply conditions or surcharges beyond the age of 25 to 40 depending on the systems in place. From the age of 50, recent inspections (roof, electrical, plumbing) are often required. Beyond the age of 75, some insurers refuse or require specialized policies.  <\/div><\/details>\n<details><summary>Is knob-and-tube wiring insurable?<\/summary><div class=\"a\">Many insurers now refuse to insure a home with active knob-and-tube wiring, or require an inspection by a master electrician to ensure that no circuit is overloaded. Replacing it with modern earthed wiring is the safest solution. <\/div><\/details>\n<details><summary>Can a 20-year-old roof lead to a refusal of coverage?<\/summary><div class=\"a\">Yes, many Quebec insurers require an asphalt shingle roof that is less than 20 years old or require a recent expertise attesting to its condition. A recent metal roof is generally well received and may be eligible for a discount. <\/div><\/details>\n<details><summary>What impact does an underground oil tank have on my insurance?<\/summary><div class=\"a\">An underground oil tank that does not comply with MELCCFP standards is often a reason for exclusion or complete refusal. Professional retirement and switching to electric or natural gas usually restores insurability. <\/div><\/details>\n<details><summary>Can my renovations lower my premium?<\/summary><div class=\"a\">Absolutely. An electrical overhaul, plumbing replacement, new roofing or the addition of a certified alarm system can generate cumulative discounts of up to 20%. Keep all your licenses and certificates of compliance \u2014 your broker will need them to show off your savings. <\/div><\/details>\n<details><summary>Are heritage buildings in Old Quebec more expensive to insure?<\/summary><div class=\"a\">Not necessarily. Although the original materials and the requirements for identical restoration increase the value to be rebuilt, policies specialising in built heritage exist. A broker who is familiar with these products often finds competitive conditions in Quebec City, Montreal or Trois-Rivi\u00e8res.  <\/div><\/details>\n<details><summary>How much does home insurance cost for an old house in Quebec?<\/summary><div class=\"a\">The subsidy varies according to age, materials, renovations and location. As a guide, a well-renovated 100-year-old house in Quebec City can cost $1,200 to $2,800 per year, compared to $800 to $1,500 for an equivalent recent construction. Request a personalized quote for an exact price.  <\/div><\/details>\n<details><summary>How do you find a broker who knows old buildings?<\/summary><div class=\"a\">Choose an AMF firm that has been established in Quebec for a long time, with expertise in heritage home insurance. At Assur360, our brokers compare several specialized insurers to get the best protection at the best price. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Request your free quote<\/a> \u2014 it&#8217;s non-binding. <\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/impact-de-age-des-batiments-normes-historiques\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/impact-de-age-des-batiments-normes-historiques\/#faq\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Pourquoi l'\u00e2ge d'un b\u00e2timent fait-il monter la prime d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un b\u00e2timent plus ancien a accumul\u00e9 une usure structurelle et ses syst\u00e8mes \u00e9lectrique, plomberie et chauffage peuvent ne plus respecter les normes. 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Un courtier qui conna\u00eet ces produits trouve souvent des conditions concurrentielles \u00e0 Qu\u00e9bec, Montr\u00e9al ou Trois-Rivi\u00e8res.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance habitation pour une maison ancienne au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u00c0 titre indicatif, une maison de 100 ans bien r\u00e9nov\u00e9e \u00e0 Qu\u00e9bec peut co\u00fbter de 1 200 $ \u00e0 2 800 $ par ann\u00e9e, contre 800 $ \u00e0 1 500 $ pour une construction r\u00e9cente \u00e9quivalente. Demandez une soumission personnalis\u00e9e pour un prix exact.\"}},\n{\"@type\":\"Question\",\"name\":\"Comment trouver un courtier qui conna\u00eet les b\u00e2timents anciens ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Privil\u00e9giez un cabinet AMF \u00e9tabli au Qu\u00e9bec depuis longtemps, avec une expertise en assurance habitation patrimoniale. 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