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Compare Quebec home insurance quotes

In under five minutes, compare home insurance quotes from Quebec's top providers – find your best rate with us today.

How to compare Quebec home insurance quotes with

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How does home insurance in Quebec work?

In Quebec (as well as the rest of Canada), home insurance isn't required by law – while it's highly recommended, it's up to you to choose whether you want to protect your property with the right coverage in place. 

If you have a mortgage, however, that may be a different story. Lenders will typically require you to purchase a policy in order to protect such a big investment. 

Home insurance isn't just there to protect your physical home against loss and damage. It can also reimburse you for the loss and damage of the items within it, plus cover you for expenses related to legal liability. Read on to learn more about all things home insurance in Quebec.

Types of Quebec home insurance policies

There are various different home insurance policies you can choose from – here, we cover three common types of plans, so you can choose the best one for your needs. It's important to note, however, that most homeowners will opt for the comprehensive choice as it offers the highest level of coverage.

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 coverage

Contents coverage

Liability coverage

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 agaisnt commercial-related risks (e.g. damaged stock).

  • Umbrella insurance

    These policies are 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 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

    This covers you for flood damage (which can include overland water and sewer backup) – 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.

Get the best home insurance quotes in Quebec.

In just a few minutes, view customized home insurance quotes from top providers across Quebec – find your best rate with us today.

How much is home insurance in Quebec?

The average cost of home insurance in Quebec is about $1,600 per year. It's no surprise that rates have been increasing due to inflation – a study from J.D. Power showed that the average premium in Quebec was $984 back in 2019.

Keep in mind that numbers can differ greatly as insurers calculate rates on a case-to-case basis – the more risk you bring and the more coverage you want, the higher this number will be. To find out the exact price you'll be paying, be sure to compare Quebec home insurance quotes with us today.

Factors that impact your Quebec home insurance quote

Home insurance companies look at many factors to determine your personalized quote – here are a few key ones that help indicate the level of risk you bring as a policyholder.

Property type

Home replacement cost


Internal construction


Renovations & betterments


Pools & acessory dwellings

Special use

Credit score

Insurance history

How to get the cheapest home insurance in Quebec

While insurers are the ones that ultimately determine the price you'll be paying, there are many steps you can take to ensure you're getting the best possible premium – here, we cover eight different ways to get cheap home insurance in Quebec.

  1. Shop and compare

    With, you can compare personalized home insurance quotes from top Quebec companies, all in one instance. You won't know which insurer offers the best rate until you shop the market.

  2. 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.

  3. Stay loyal

    It's no surprise that insurers value customers who stay with them long-term. If you're renewing a home insurance policy with your current insurer, be sure to ask about loyalty discounts.

  4. Upgrade your property

    While some upgrades (e.g. remodelled kitchen) can increase your premium, others (e.g. new roofing) can help lower it instead.

  1. 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.

  2. 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.

  3. 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 may leave you with more risk, but it will also lead to lower rates.

  4. Just ask

    You never know what discounts you can qualify for unless you ask. For example, you may be eligible alumni group rates.

Ready to secure the cheapest home insurance in Quebec?

We've got you covered – compare Quebec home insurance rates with us today to find your best option.

Quebec home insurance FAQs

How do I get the best home insurance in Quebec?

How much does home insurance cost in Quebec?

Is home insurance mandatory in Quebec?

What are the best home insurance companies in Quebec?

What is not covered by a typical Quebec home insurance plan?

Can you cancel home insurance in Quebec?

What is a home insurance peril in Quebec?

How do home insurance claims work in Quebec?

What is a home insurance deductible in Quebec?

Do I need home insurance for Airbnb in Quebec?