Compare Quebec home insurance quotes

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.

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.

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.

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.

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: