{"id":42514,"date":"2026-03-30T08:00:00","date_gmt":"2026-03-30T12:00:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/quebec-earthquake-only-7-of-people-are-protected\/"},"modified":"2026-06-26T00:25:03","modified_gmt":"2026-06-26T04:25:03","slug":"quebec-earthquake-only-7-of-people-are-protected","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/","title":{"rendered":"Quebec earthquake: only 7% of people are protected"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:20px;line-height:1.8\"><strong>38% of Quebecers believe that their home insurance covers earthquakes.<\/strong> In reality, <strong>only 3 to 7% of them actually have this protection<\/strong>. Worse still, 91% are convinced that their home is safe from earthquakes. Yet, Quebec ranks among the most seismically active regions in Canada, with <strong>more than 450 earthquakes recorded each year<\/strong> in eastern Canada. The question is not <em>whether<\/em> a major earthquake will hit Quebec \u2014 <em>it&#8217;s when<\/em>.   <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">According to the <a href=\"https:\/\/bac-quebec.qc.ca\/fr\/enjeux-en-assurance-de-dommages\/tremblements-de-terre\/\">Insurance Bureau of Canada (IBC),<\/a> only 4.19% of Quebec households had an earthquake endorsement in 2018. By comparison, in British Columbia \u2014 a province that is more associated with earthquakes \u2014 the coverage rate is <strong>45 per cent<\/strong>, and the Vancouver area is as high as 65 per cent. How can such a gap be explained? A mixture of unawareness of risk, false beliefs about basic coverage and a certain fatalism in the face of a danger perceived as remote.   <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">In this article, we&#8217;ll demystify seismic risk in Quebec, explain why your basic <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> probably doesn&#8217;t protect you, detail the true cost of the earthquake rider, and give you the tools to make an informed decision.<\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0;\">\n<p style=\"color:#10c4c7;font-size:14px;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;font-weight:700;\">PROTECT YOUR WEALTH<\/p>\n<p style=\"color:#ffffff;font-size:28px;font-weight:700;margin-bottom:12px;line-height:1.3;\">Only 7% of Quebecers are covered against earthquakes<\/p>\n<p style=\"color:#b0c4d8;font-size:17px;margin-bottom:28px;line-height:1.6;\">Get a free quote in minutes and find out how much the Earthquake Endorsement really costs for your property.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none;\">Get my free quote<\/a>\n<\/div>\n\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\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#Quebec-a-more-active-seismic-zone-than-we-think\" >Quebec: a more active seismic zone than we think<\/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\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#Quebecs-Historic-Earthquakes\" >Quebec&#8217;s Historic Earthquakes<\/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\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#The-big-misunderstanding-why-38-think-they-are-protected\" >The big misunderstanding: why 38% think they are protected<\/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\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#What-the-Earthquake-Endorsement-Covers-and-Does-Not-Cover\" >What the Earthquake Endorsement Covers (and Does Not Cover)<\/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\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#How-much-does-earthquake-protection-cost\" >How much does earthquake protection cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#Worst-case-scenario-a-magnitude-7-earthquake-near-Quebec-City\" >Worst-case scenario: a magnitude 7 earthquake near Quebec City<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#How-to-Add-Earthquake-Coverage\" >How to Add Earthquake Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#Preventive-measures-to-protect-your-home\" >Preventive measures to protect your home<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/security-2\/quebec-earthquake-only-7-of-people-are-protected\/#Frequently-Asked-Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"Quebec-a-more-active-seismic-zone-than-we-think\"><\/span>Quebec: a more active seismic zone than we think<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">When you think of earthquakes in Canada, British Columbia comes to mind. However, the <a href=\"https:\/\/www.seismescanada.rncan.gc.ca\/zones\/eastcan-fr.php\">Canadian Centre for Seismological Research (Earthquakes Canada)<\/a> has identified three major active seismic zones in Quebec, which collectively generate hundreds of tremors each year. <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:24px\">1. Charlevoix-Kamouraska: Quebec&#8217;s epicentre<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">The Charlevoix-Kamouraska area is the <strong>most active in eastern North America<\/strong>. It alone produces more than 200 earthquakes per year and has been the scene of five historic earthquakes of magnitude 6 or greater. This activity is linked to an ancient meteorite impact structure that weakened the Earth&#8217;s crust millions of years ago. The cities of Baie-Saint-Paul, La Malbaie and Rivi\u00e8re-du-Loup are directly in this high-risk area.   <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:24px\">2. Western Quebec: The Ottawa-Montreal Corridor<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">The Ottawa-Montreal corridor is the second largest seismic zone in Quebec. This area is crossed by the Ottawa-Bonnechere Fault, an ancient geological structure that remains active. It is here that the majority of Quebec&#8217;s population resides, which makes the potential for damage particularly high. The magnitude 5.8 earthquake felt in Montreal in 1732 and the magnitude 6.2 earthquake in T\u00e9miscamingue in 1935 are reminders that this area is far from being inactive.   <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:24px\">3. Lower St. Lawrence and North Shore<\/h3>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">The third active zone extends along the Bas-Saint-Laurent and C\u00f4te-Nord regions, generating approximately 60 seismic events per year. Although less densely populated, this region is home to important infrastructure and communities that could be severely affected by a major earthquake. <\/p>\n\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;margin:32px 0;\">\n<p style=\"font-size:17px;line-height:1.7;margin:0;color:#0d1f2d;\"><strong>Did you know?<\/strong> According to Natural Resources Canada, there is a <strong>5 to 15 per cent chance<\/strong> that an earthquake of magnitude 7 or greater will hit the Quebec City-Montreal-Ottawa corridor in the next 50 years. This is not a hypothetical question \u2014 it is a statistical reality. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"Quebecs-Historic-Earthquakes\"><\/span>Quebec&#8217;s Historic Earthquakes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">Quebec&#8217;s seismic history is punctuated by significant events that remind us that the threat is very real. Here are the main earthquakes that have marked the province: <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:16px;\">\n<thead>\n<tr style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);\">\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;\">Year<\/th>\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;\">Location<\/th>\n<th style=\"padding:16px 20px;color:#ffffff;text-align:center;font-weight:700;\">Magnitude<\/th>\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;\">Impact<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">1663<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Charlevoix<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\"><span style=\"background:#dc2626;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 7.0+<\/span><\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Most powerful earthquake known in Quebec. Massive landslides, diverted waterways. <\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">1925<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Rivi\u00e8re-du-Loup<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\"><span style=\"background:#ea580c;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 6.2<\/span><\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Felt throughout eastern Canada and the northeastern United States.<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">1935<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">T\u00e9miscamingue<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\"><span style=\"background:#ea580c;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 6.1<\/span><\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Significant structural damage in the area. Collapsed chimneys. <\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">1988<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Saguenay<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\"><span style=\"background:#f59e0b;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 5.9<\/span><\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Tens of millions of dollars in damages. Felt in New York. <\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2010<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Val-des-Bois<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\"><span style=\"background:#f59e0b;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 5.0<\/span><\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Felt in Montreal and Ottawa. Evacuation of federal buildings. <\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;font-weight:600;\">2013<\/td>\n<td style=\"padding:14px 20px;\">Shawville<\/td>\n<td style=\"padding:14px 20px;text-align:center;\"><span style=\"background:#f59e0b;color:#fff;padding:4px 12px;border-radius:20px;font-weight:700;\">M 5.2<\/span><\/td>\n<td style=\"padding:14px 20px;\">Felt throughout the Ottawa-Montreal corridor. Awakens the debate on preparation. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">As Maurice Lamontagne, a seismologist with Natural Resources Canada, points out, <em>&#8220;Aftershocks compound the damage caused by the initial shock, making already weakened buildings even more vulnerable.&#8221;<\/em> In other words, even a moderate magnitude earthquake can have cascading consequences on buildings not designed to withstand shaking.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"The-big-misunderstanding-why-38-think-they-are-protected\"><\/span>The big misunderstanding: why 38% think they are protected<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">A survey by the Insurance Bureau of Canada reveals a troubling figure: <strong>38% of Quebec homeowners believe that their basic home insurance covers earthquakes<\/strong>. This is false. And this false belief is a big part of why so few people protect themselves.<\/p>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">Here&#8217;s what creates the confusion: your standard <a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\">home insurance policy<\/a> does cover damage caused by fire <strong>, explosion or smoke<\/strong> that occurs <em>as a result<\/em> of an earthquake. Approximately 85% of policies in Quebec include this indirect coverage. But the <strong>direct structural damage<\/strong> caused by the tremors themselves? The cracked foundations, the collapsed walls, the collapsed chimney? <strong>None of this is covered<\/strong> without a specific endorsement.   <\/p>\n\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;margin:32px 0;\">\n<p style=\"font-size:17px;line-height:1.7;margin:0;color:#0d1f2d;\"><strong>Case in point:<\/strong> A magnitude 5.5 earthquake shakes Montreal. Your chimney collapses on the roof, creating a hole. The foundations are cracking. The gas line ruptured, causing a fire in the kitchen. <strong>No endorsement<\/strong> : only damage caused by fire in the kitchen is covered. The foundations, the roof, the chimney? At your own expense. <strong>With rider<\/strong> : all damages are covered, including living expenses if you have to leave your home.     <\/p>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">Johanne Lamanque, vice-president of IBC in Quebec, does not mince her words: <em>&#8220;A major earthquake could represent a huge financial burden for Quebec and the nation.&#8221;<\/em> And Don Forgeron, then president of IBC, went even further, saying that if insurers fail to better inform Canadians, <em>&#8220;the entire Canadian economy could be affected.&#8221;<\/em><\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"What-the-Earthquake-Endorsement-Covers-and-Does-Not-Cover\"><\/span>What the Earthquake Endorsement Covers (and Does Not Cover)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">The <a href=\"https:\/\/www.assur360.ca\/en\/earthquake-insurance-complete-guide-price-and-deductible\/\">Earthquake Rider<\/a> is an additional protection that is added to your existing home insurance policy. Here&#8217;s exactly what it covers and what it excludes: <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:16px;\">\n<thead>\n<tr style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);\">\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;width:50%;\">Covered with the endorsement<\/th>\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;width:50%;\">Not covered (even with the endorsement)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#16a34a;\">\u2713 Structural damage to the building<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#dc2626;\">\u2717 Tsunamis<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#16a34a;\">\u2713 Cracked or collapsed<\/td>\n foundations<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#dc2626;\">\u2717 Flooding (separate coverage)<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#16a34a;\">\u2713 Damaged<\/td>\n personal property<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#dc2626;\">\u2717 Non-seismic landslides<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#16a34a;\">\u2713 Additional<\/td>\n living expenses<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#dc2626;\">\u2717 Pre-existing damage<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#16a34a;\">\u2713 Earthquake-induced<\/td>\n landslides<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;color:#dc2626;\">\u2717 Gradual deterioration<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;color:#16a34a;\">\u2713 Fire, explosion, post-earthquake<\/td>\n smoke<td style=\"padding:14px 20px;color:#dc2626;\">\u2717 Vehicles (covered by car insurance)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">It is important to note that <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/flood-insurance\/\">flood<\/a> coverage is a separate endorsement. An earthquake can cause dams or water pipes to rupture, but the resulting water damage requires additional protection. Consult an <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">insurance broker<\/a> to make sure you have complete coverage.  <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"How-much-does-earthquake-protection-cost\"><\/span>How much does earthquake protection cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">That&#8217;s often the first question \u2014 and the answer is probably more affordable than you think. The earthquake rider is usually <strong>5 to 10% of your home insurance premium<\/strong>. For the majority of Quebec homeowners, this translates into a monthly cost of <strong>$30 to $100<\/strong>, depending on the value of the property, its location and the level of deductible chosen.  <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:16px;\">\n<thead>\n<tr style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);\">\n<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;\">Deductible<\/th>\nOn a $\n<th style=\"padding:16px 20px;color:#ffffff;text-align:center;font-weight:700;\">400,000 property<\/th><th style=\"padding:16px 20px;color:#ffffff;text-align:center;font-weight:700;\">Estimated<\/th>\n premium<th style=\"padding:16px 20px;color:#ffffff;text-align:left;font-weight:700;\">For whom?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2%<\/td>\n$\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\">8,000<\/td><td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">$70 &#8211; $100\/month<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Maximum protection, lowest deductible<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;font-weight:600;\">3%<\/td>\n$\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;\">12,000<\/td><td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">$50 \u2013 $75\/month<\/td>\n<td style=\"padding:14px 20px;border-bottom:1px solid #e2e8f0;\">Good price-coverage compromise<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:14px 20px;font-weight:600;\">5%<\/td>\n$\n<td style=\"padding:14px 20px;text-align:center;\">20,000<\/td><td style=\"padding:14px 20px;text-align:center;color:#10c4c7;font-weight:700;\">$30 &#8211; $55\/month<\/td>\n<td style=\"padding:14px 20px;\">Tight budget, essential protection<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\"><strong>Important tip:<\/strong> Going from a 2% deductible to a 5% deductible can reduce your premium by <strong>15-35%.<\/strong> If you&#8217;re on a budget, a 5% deductible still offers you significant protection. In the example above, even with a $20,000 deductible, you&#8217;d be covered for the remaining $380,000 in potential damage \u2014 not including personal property and living expenses.  <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">For <a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">condo co-owners<\/a>, the cost is often even lower, since the coverage is for your unit and personal belongings, and not for the entire structure of the building (which is covered by the condominium corporation). To find out the exact cost for your situation, the best approach is to <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">request a personalized quote<\/a>. <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0;\">\n<p style=\"color:#10c4c7;font-size:14px;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;font-weight:700;\">HOW MUCH FOR YOUR PROPERTY?<\/p>\n<p style=\"color:#ffffff;font-size:28px;font-weight:700;margin-bottom:12px;line-height:1.3;\">The earthquake rider costs between $30 and $100 per month<\/p>\n<p style=\"color:#b0c4d8;font-size:17px;margin-bottom:28px;line-height:1.6;\">An independent broker compares offers from several insurers to find you the best coverage-price ratio.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/soumission-habitation-rapide\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none;\">Compare prices now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"Worst-case-scenario-a-magnitude-7-earthquake-near-Quebec-City\"><\/span>Worst-case scenario: a magnitude 7 earthquake near Quebec City<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">What would happen if a magnitude 7.1 earthquake \u2014 comparable to the one in 1663 \u2014 struck the Charlevoix region near Quebec City today? Catastrophic modelling studies have produced figures that make you dizzy: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit, minmax(280px, 1fr));gap:24px;margin:32px 0;\">\n<div style=\"border-left:4px solid #dc2626;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:36px;font-weight:800;color:#dc2626;margin:0 0 8px 0;\">$61 billion<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.5;\">Estimated total losses for an M7.1 near Qu\u00e9bec City \u2014 damage to buildings, infrastructure and business interruptions.<\/p>\n<\/div>\n<div style=\"border-left:4px solid #f59e0b;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:36px;font-weight:800;color:#f59e0b;margin:0 0 8px 0;\">$12 billion<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.5;\">Estimated insured losses \u2014 only one-third of the total damage would be covered by insurers.<\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:36px;font-weight:800;color:#10c4c7;margin:0 0 8px 0;\">$49 billion<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.5;\">The financial &#8220;hole&#8221; \u2014 what owners, businesses and governments would have to pay for themselves.<\/p>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">In other words, <strong>only a third of the losses would be covered by insurance<\/strong>. The remaining two-thirds would rest on the shoulders of uninsured homeowners, businesses and governments. By comparison, the 1998 ice storm, which cost about $5.4 billion, is a minor disaster in the face of such a scenario.  <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">For owners of <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/high-value-home-insurance\/\">high-value<\/a> homes, the stakes are even higher. A home valued at $800,000 or more without an earthquake endorsement exposes its owner to a potentially catastrophic loss \u2014 a loss that could wipe out a lifetime&#8217;s savings. <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"How-to-Add-Earthquake-Coverage\"><\/span>How to Add Earthquake Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">The good news is that protecting yourself is relatively simple. Here are the steps to follow: <\/p>\n\n<div style=\"margin:32px 0;\">\n<div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\">\n<div style=\"min-width:48px;height:48px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#10c4c7;font-weight:800;font-size:20px;\">1<\/div>\n<div>\n<p style=\"font-size:18px;font-weight:700;margin:0 0 4px 0;color:#0d1f2d;\">Check your current policy<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Check the endorsements included in your home insurance policy. Look specifically for &#8220;earthquake&#8221; or &#8220;earthquake.&#8221; In the majority of cases, this coverage will be absent.  <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\">\n<div style=\"min-width:48px;height:48px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#10c4c7;font-weight:800;font-size:20px;\">2<\/div>\n<div>\n<p style=\"font-size:18px;font-weight:700;margin:0 0 4px 0;color:#0d1f2d;\">Contact an independent broker<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/\" style=\"color:#10c4c7;\">independent insurance broker<\/a> can compare offers from several insurers to find the best coverage at the best price. This is the advantage over a captive agent who represents only one company. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\">\n<div style=\"min-width:48px;height:48px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#10c4c7;font-weight:800;font-size:20px;\">3<\/div>\n<div>\n<p style=\"font-size:18px;font-weight:700;margin:0 0 4px 0;color:#0d1f2d;\">Choose your deductible level<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Assess your risk tolerance: 2% for maximum protection, 5% for an optimized budget. Your broker will be able to advise you based on the value of your property and your geographical area. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;gap:20px;align-items:flex-start;\">\n<div style=\"min-width:48px;height:48px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#10c4c7;font-weight:800;font-size:20px;\">4<\/div>\n<div>\n<p style=\"font-size:18px;font-weight:700;margin:0 0 4px 0;color:#0d1f2d;\">Add the endorsement to your policy<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">The addition can generally be made during the course of the contract, without waiting for renewal. The process is quick and coverage comes into effect upon approval. <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">You may also want to consider <a href=\"https:\/\/www.assur360.ca\/en\/umbrella-insurance-and-home-insurance\/\">umbrella insurance<\/a> for an extra layer of protection, especially if the value of your property and assets is high.<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"Preventive-measures-to-protect-your-home\"><\/span>Preventive measures to protect your home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">Beyond insurance, there are several concrete measures that can reduce damage in the event of an earthquake. Some insurers even offer discounts to homeowners who implement these improvements: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit, minmax(300px, 1fr));gap:24px;margin:32px 0;\">\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Anchoring the Water Heater<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">An unsecured water heater can tip over during an earthquake, causing significant water damage and a risk of fire if the gas line ruptures. Use certified seismic straps. <\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Reinforce the chimney<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Unreinforced masonry chimneys are among the most vulnerable elements. Have yours evaluated by a professional and consider reinforcing with steel bars or replacing it with metal conduit. <\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Securing heavy furniture<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Bookcases, cabinets, and refrigerators can tip over and cause serious injury. Attach them to the wall with anti-seismic brackets. It&#8217;s simple, inexpensive and potentially lifesaving.  <\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Install an automatic gas valve<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">An automatic seismic valve shuts off the natural gas supply as soon as a tremor is detected, preventing post-earthquake fires and explosions. Investment of $300 to $600 that can save your home. <\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Check the foundation<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Homes built before 1970 often have foundations that are not anchored to the structure. An engineer can assess whether seismic reinforcement is necessary. This is especially critical for rubble stone foundations.  <\/p>\n<\/div>\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n<p style=\"font-size:18px;font-weight:700;margin:0 0 8px 0;color:#0d1f2d;\">Prepare an emergency kit<\/p>\n<p style=\"font-size:16px;color:#64748b;margin:0;line-height:1.6;\">Water (4 liters\/person\/day for 3 days), non-perishable food, flashlight, battery-operated radio, first aid kit, copies of important documents and essential medications.<\/p>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px;line-height:1.8\">To learn more about protecting your property, check out our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/home-insurance-estimate-3\/\">home insurance estimate<\/a> and our <a href=\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\">complete guide to home insurance in Quebec<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0;\">\n<p style=\"color:#10c4c7;font-size:14px;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;font-weight:700;\">DON&#8217;T BE PART OF THE 93%<\/p>\n<p style=\"color:#ffffff;font-size:28px;font-weight:700;margin-bottom:12px;line-height:1.3;\">Protect your home against earthquakes today<\/p>\n<p style=\"color:#b0c4d8;font-size:17px;margin-bottom:28px;line-height:1.6;\">An Assur360 insurance broker can add the earthquake endorsement to your existing policy \u2014 often for as little as $30 per month.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/soumission-habitation-rapide\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 48px;border-radius:30px;font-size:18px;font-weight:700;text-decoration:none;\">Protect my property now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:30px\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">Does my home insurance cover earthquakes?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">No, the vast majority of home insurance policies in Quebec do not cover direct damage caused by earthquakes. Your base policy only covers damage caused by a fire or explosion that occurs <em>as a result of<\/em> an earthquake. To be protected against structural damage, damaged personal property, and living expenses, you need to add an <a href=\"https:\/\/www.assur360.ca\/assurance-tremblement-de-terre\/\" style=\"color:#10c4c7;\">earthquake endorsement<\/a> to your policy.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">How much does the Quebec earthquake endorsement cost?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">The earthquake endorsement typically represents 5% to 10% of your home insurance premium, which is about $30 to $100 per month for most Quebec homeowners. The cost varies based on the value of your property, its location (more active areas like Charlevoix cost more), the type of construction, and the chosen deductible level (2%, 3%, or 5%). <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"color:#10c4c7;\">Get a personalized quote<\/a> to find out the exact cost.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">What is the probability of a major earthquake in Quebec?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">According to Natural Resources Canada, there is a 5% to 15% probability that an earthquake of magnitude 7 or greater will strike the Quebec-Montreal-Ottawa corridor in the next 50 years. The province records over 450 earthquakes per year in eastern Canada, most of which are imperceptible. The Charlevoix-Kamouraska area, the most active in eastern North America, produces more than 200 tremors annually.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">Why are only 7% of Quebecers covered?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">Three main factors explain this low rate. First, 38% of people mistakenly believe that their basic insurance already covers earthquakes. Second, 91% think their home is safe from earthquakes, a misconception in a province that has three active seismic zones. Third, many are unaware that the endorsement is relatively affordable (starting at $30\/month) and have never considered it.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">What deductible should I choose for the earthquake rider?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">The typical deductible for the earthquake endorsement is 2%, 3%, or 5% of your home\u2019s coverage amount. For a property insured at $400,000, this means a deductible of $8,000, $12,000, or $20,000. Moving from 2% to 5% can reduce your premium by 15% to 35%. An <a href=\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/courtier-dassurance\/\" style=\"color:#10c4c7;\">insurance broker<\/a> can help you determine the best balance between deductible and premium based on your financial situation.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">Which areas of Quebec are most at risk of earthquakes?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">Quebec has three main seismic zones. The <strong>Charlevoix-Kamouraska<\/strong> zone is the most active with over 200 earthquakes per year and five historical events of magnitude 6+. The <strong>Ottawa-Montreal<\/strong> corridor (western Quebec) is the second most important zone, crossed by the Ottawa-Bonnech\u00e8re fault. Finally, the <strong>Bas-Saint-Laurent and C\u00f4te-Nord<\/strong> zone generates about 60 events per year. All regions of Quebec are likely to feel the effects of a major earthquake.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">What exactly does the earthquake endorsement cover?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">The earthquake endorsement covers structural damage to the building (foundations, walls, roof), personal belongings damaged by shaking, additional living expenses if you must leave your home, as well as landslides directly caused by the earthquake. Fire and explosion after an earthquake are also covered. However, the endorsement does not cover tsunamis, floods, non-seismic landslides, or pre-existing damage.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">Could an earthquake really cause billions in damage to Quebec?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">Yes. Catastrophe modeling estimates that a 7.1 magnitude earthquake near Quebec City would cause about $61 billion in total losses, of which only $12 billion would be covered by insurance. The $49 billion &#8220;gap&#8221; would need to be borne by uninsured homeowners, businesses, and governments. The 1988 Saguenay earthquake (M5.9) already caused tens of millions in damage \u2014 and it was a moderate event.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">How do I protect my home from seismic damage?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">Several concrete measures reduce damage: anchoring the water heater with seismic straps, reinforcing or replacing a masonry chimney, securing heavy furniture to the wall, installing an automatic gas valve, having the foundations checked (especially if the house was built before 1970), and preparing an emergency kit. These precautions, combined with an <a href=\"https:\/\/www.assur360.ca\/assurance-tremblement-de-terre\/\" style=\"color:#10c4c7;\">earthquake endorsement<\/a>, provide optimal protection.<\/p><\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:700;font-size:17px;cursor:pointer;color:#0d1f2d;\">Can tenants and co-owners also protect themselves?<\/summary><p style=\"margin-top:12px;font-size:16px;line-height:1.7;color:#64748b;\">Absolutely. Tenants can add an earthquake endorsement to their tenant insurance to protect their personal belongings and cover their living expenses in case of evacuation. <a href=\"https:\/\/www.assur360.ca\/assurance-condo\/\" style=\"color:#10c4c7;\">Condo co-owners<\/a> should check if the condominium association has seismic coverage for the building, then add an endorsement to their own policy to protect their improvements, personal belongings, and co-ownership deductible. In all cases, a broker can guide you to the right coverage.<\/p><\/details>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"Earthquake in Quebec: only 7% of people are protected\", \"description\": \"38% of Quebecers believe they are covered against earthquakes, but only 7% are. Probability of 5-15% of a major earthquake. Cost of the endorsement, coverage, and prevention.\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/app\/\", \"description\": \"Jean Boissonneault, certified AMF associate insurance broker (n\u00ba 2000037336), is the owner of Assur360 and a broker 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\/2025\/01\/assur360-logo.png\"}}, \"datePublished\": \"2026-03-30\", \"dateModified\": \"2026-03-30\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/tremblement-de-terre-quebec-assurance-7-pourcent\/\"}, \"image\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/earthquake-final.jpg\"}<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Home\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Blog\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Home Insurance in Quebec\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 4,\n      \"name\": \"Earthquake in Quebec: Only 7% of People Are Protected\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/tremblement-de-terre-quebec-assurance-7-pourcent\/\"\n    }\n  ]\n}\n<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does my home insurance cover earthquakes?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, the vast majority of home insurance policies in Quebec do not cover direct damage caused by earthquakes. 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The cost varies depending on the value of your property, its location, the type of construction, and the chosen deductible level (2%, 3%, or 5%).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the likelihood of a major earthquake in Quebec?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"According to Natural Resources Canada, there is a 5% to 15% probability that an earthquake of magnitude 7 or greater will strike the Quebec-Montreal-Ottawa corridor in the next 50 years. 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Moving from 2% to 5% can reduce the premium by 15% to 35%.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which areas of Quebec are most at risk for earthquakes?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Quebec has three main seismic zones: Charlevoix-Kamouraska (the most active with 200+ earthquakes\/year), the Ottawa-Montreal corridor, and the Bas-Saint-Laurent\/C\u00f4te-Nord (about 60 events\/year).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What does the earthquake endorsement cover exactly?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The endorsement covers structural damage to the building, personal property, additional living expenses, and landslides caused by the earthquake. 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