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How does home insurance in Quebec work?
In Quebec (and the rest of Canada), home insurance isn't required by law. While it's highly recommended and considered a smart financial decision, it's your personal choice whether you want to protect your property and assets. However, if you have a mortgage, then a home insurance policy is required as part of your mortgage approval. Lenders typically require you to purchase a policy to protect their investment in your property. Once your mortgage is paid off, it once again becomes your decision on whether or not to insure your home.
There are a few different types of home insurance, and, depending on your needs, the type of coverage you require will be different.
- If you own a detached property that you plan to live in, you will likely be looking for homeowners' insurance.
- If your property is part of a condo corporation, which could include high-rises, low-rises, townhouses and row houses, you will require a condo insurance policy.
- If you plan to rent out your property and treat it as an income property, you will need rental property insurance (aka landlord insurance).
- If you’re renting and don’t own the property, then you only need to consider purchasing tenant insurance to protect your liability and personal belongings.
A home insurance policy isn't just there to protect your physical property against loss and damage. It can also reimburse you for the loss and damage of the items within it, and cover you for expenses related to legal liability. Also, a home policy can cover any lost or damaged personal property from inside your vehicle. The value of home insurance can extend beyond the walls of your house.
Types of Quebec home insurance policies
There are various home insurance policies you can choose from, and each comes with a different level of coverage. Below are common types of plans in Quebec. Note that most homeowners will opt for the comprehensive choice as it offers the highest level of coverage.
| Policy Type | Description |
| Basic home insurance | This only covers your home and your contents against loss and damage from the specific risks listed in your policy (e.g. theft, fire). |
| Broad home insurance | This covers your home against loss and damage from all standard risks. However, your contents are only covered against loss and damage from risks listed in your policy. |
| Comprehensive home insurance | This covers your home and your contents against all risks of loss and damage unless otherwise specified in your policy – it's the highest form of protection you can buy. |
Standard home insurance coverages in Quebec
While the type of home insurance plan you select will determine the risks you're insured against (e.g. theft, fire), most Quebec home insurance policies will offer these standard coverages.
Dwelling
Contents
Liability
Additional living expenses coverage
Common home insurance add-ons in Quebec
You can also customize your Quebec home insurance policy further with optional add-ons (also known as endorsements). While the available options will differ depending on the insurer you choose, here are some common ones you can ask your insurance representative about.
Home-based business insurance
If you run a business from home, you may want coverage against commercial-related risks (e.g. damaged stock).
Umbrella insurance
An umbrella policy is typically sold separately. They offer an extension to your auto or home insurance's liability limit, plus cover additional forms of liability.
Identity theft insurance
If your information is stolen with the intent to commit a crime, this coverage can help you with the recovery process financially.
Extended contents insurance
Some items (e.g. art, jewelry) have set coverage limits. With this add-on, you can increase the limit for peace of mind.
Flood insurance
There are a few endorsements that cover you for flood damage (including overland water and sewer backup). It is highly recommended for homes in flood-prone areas.
Earthquake insurance
Earthquakes are usually an uninsured peril unless you add the coverage to your policy. Consider doing so if you live in an area that could be impacted.
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How much is home insurance in Quebec?
The cost of home insurance in Quebec can range from $960 to $1,900+. The cost will vary depending on your location (for example, Montreal vs. Prevost), the size of your home, and the type of home and insurance you need. It's no surprise that rates have been increasing due to inflation and other market factors – Quebec home insurance has increased by +6.4% as of the end of Q4 2025 (reported by Applied Rating Index).
Keep in mind that quoted rates can differ greatly as insurers calculate pricing on a case-by-case basis. The more risk you bring and the more coverage you want, the higher your rate will be. To find out how much your Quebec home insurance policy could cost, start by comparing home insurance quotes online today with Ratehub.ca.
Factors that impact your Quebec home insurance quote
Home insurance companies look at many factors to determine your personalized quote. Here are key ones that help indicate the level of risk you bring as a policyholder.
Property type
Home replacement cost
Location
Internal construction
Roof
Renovations & betterments
Pets
Pools & accessory dwellings
Special use
Credit score
Insurance history
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How to get the cheapest home insurance in Quebec
Insurers are the ones that ultimately determine the price you'll be paying, but there are many steps you can take to ensure you're getting the cheapest home insurance in Quebec:
Shop and compare
With Ratehub.ca, you can compare personalized home insurance quotes from top Quebec companies, all in one place. You won't know which insurer offers the best rate until you shop the market.
Bundle policies
By securing your home insurance policy plus other coverage needs (e.g. auto, condo, tenant) under one provider, you'll be eligible for a multi-policy bundle discount.
Stay loyal
It's no surprise that insurers value customers who stay loyal to them. If you're renewing a home insurance policy with your current insurer, be sure to ask about loyalty discounts.
Upgrade your property
While some upgrades (e.g. remodelled kitchen) can increase your premium, others (e.g. new roofing) can help lower it instead.
Improve your credit
Many home insurance companies look at your credit score as an indicator of the risk you bring. Opting in for a soft credit check (and having a good score) will lead to the cheapest insurance rates.
Install safety systems
Certain safety systems, such as a centrally monitored alarm system, can lead to a discount – insurers like to see you lower your risk of having to make a claim.
Increase your deductible
Your deductible is the amount of money you agree to pay for a claim before your insurer meets the rest. Choosing a higher one may leave you with more risk, but it will also lead to lower rates.
Just ask
You never know what discounts you can qualify for unless you ask. For example, you may be eligible for alumni group rates.