Skip to main content
Ratehub logo
Ratehub logo

Compare cheap tenant insurance quotes in Quebec

Looking for renters insurance in Quebec? We can help – in under five minutes, get a personalized, low-rate quote with us today.

How to get renters insurance in Quebec with

  1. Share information

    Tell us a little about yourself and your property coverage needs.

  2. Compare quotes

    We instantly show you tenant insurance quotes from top Quebec providers.

  3. Save money

    Choose your plan and secure your tenant insurance rate online.

Quebec renters insurance quoting breakdown

Tenant insurance is priced differently for everyone – companies evaluate the risk factors you bring as a renter to determine a personalized quote accordingly. As a baseline, here are three hypothetical renting situations in Quebec, along with the cost of its insurance. We received these quotes from our partner in November 2023, and all coverage limits have been adjusted to match the recommended amount each policyholder should carry.

  • $18/month

    for 1 tenant

    renting out a basement unit in Gatineau, QC

  • $27/month

    for a family of 4

    renting out a house in Quebec City, QC

  • $28/month

    for 2 roommates

    renting out a condo unit in Montreal, QC

  • $30/month

    for 3 roomates

    renting out a house in Sherbrooke, QC

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

What is tenant insurance in Quebec?

As a tenant, you aren't immune to all the financial risks associated with housing. Renting a property comes with its own set of possible implications – a guest could sue you for a dog bite, a thief could break into your home, or a fire could cause you to seek temporary accommodations. While you may not have all the emergency funds in place to cover every single risk out-of-pocket, a tenant insurance policy is there to protect you.

Tenant insurance is often referred to as renters insurance or apartment insurance. It's essentially an agreement between you and your insurer, providing you with a financial fallback for the various risks associated with being a renter. By paying a regular bill (typically monthly or annually), your insurance company agrees to provide the related funds during a time of need. This can include various types of scenarios, such as a liability suit, the loss or damage of your personal belongings, and a temporary need to evict your rental home.

Is tenant insurance mandatory in Quebec?

While you aren't required to purchase tenant insurance in Quebec by law, it's likely that your landlord will require you to do so. Tenant insurance is often a stipulation in the lease agreement, so you may need to purchase a policy before you're able to settle in.

And even if you aren't required to make the commitment, you should highly consider doing so anyway. It's commonly misconceived that a landlord's insurance policy already provides the tenant with enough protection. This is not the case – landlord insurance is only there to protect the property owner from financial risk, leaving many gaps in coverage that a tenant would need to purchase themselves.

What does tenant insurance cover in Quebec?

The liability portion of your tenant insurance policy pays out claims related to third-party bodily injury or property damage. This means that if someone sues you because they get injured in your unit (e.g. a slipping and falling) or you damage their property (e.g. breaking a neighbouring unit's wall), your insurer will help cover related expenses, such as legal bills and settlement fees. 

The standard liability limit on most tenant insurance policies is $1 million in coverage, but you can also increase this amount for the added peace of mind. 

Examples of Quebec renters insurance claims

  • Rental unit damage

    If you damage the rental property, your landlord could hold you liable. But having tenant insurance can prevent you from paying legal fees and settlement costs out-of-pocket.

  • Stolen property

    One small mistake, such as unlocked door, can turn into a huge financial implication. After a break-in, tenant insurance can help you replace all kinds of personal items.

  • House fire

    So lightning strikes, causing your roof to burn down. It's a good thing your renters insurance can help pay for a hotel while you await the repair of your rental property.

  • Basement flood

    Basement unit floods are common, especially in the spring. With the right coverage in place, tenant insurance can help replace your belongings and cover living accommodations.

How much is tenant insurance in Quebec?

The cost of renters insurance in Quebec is generally quite affordable. Depending on the tenant's specific needs, some policies may even cost less than $20 per month. Find out how much you'll be paying with us today.

find out now

Factors that impact the cost of renters insurance in Quebec

  1. Property type

    Basement units come with different risks than a high-rise apartment. The age and construction materials of your rental may also be factored into your tenant insurance quote.

  2. Location

    The specific Quebec address you're renting from will matter to your insurer. High-crime neighbourhoods and flood-prone areas tend to lead to hike up your insurance premium.

  3. Personal belongings

    The more stuff you own, the more coverage you'll need – and therefore, the more expensive your insurance will be. For high-value objects, you may even need an endorsement for extra protection.

  4. Pets

    Having certain pets, such as a vicious dog breed, can impact your tenant insurance rate negatively. This is because you're more susceptible to a liability claim (e.g. if your dog bites a guest).

  1. Living situation

    If you rent with other people, you'll want to let your insurer know. It's also a good idea for roommates to get separate policies to ensure everyone is adequately protected.

  2. Credit score

    Some insurance companies may use your credit score to calculate your tenant insurance rate. You won't be penalized for bad credit, but a good score can help lower your bill.

  3. Claims history

    The more claims you've made in the past, the more likely (or seemingly more likely) you'll need a payout in the future. Therefore, insurers will increase rates for those who don't have a clean insurance history.

  4. Applicable discounts

    Be sure to ask your insurance representative about any applicable discounts. For instance, you can save money by bundling your tenant insurance with your car insurance.

How to get the cheapest tenant insurance in Quebec

  • Shop and compare

    Different insurers will quote customers in different ways. Therefore, you won't know which insurer offers the cheapest Quebec tenant insurance until you shop around.

  • Bundle insurance products

    By purchasing tenant insurance along with other coverage products (e.g. auto insurance, home insurance), you'll be eligible for a multi-insurance bundle discount from your provider. 

  • Install safety systems

    Home safety systems, such as a monitored alarm, can help lower your tenant insurance rate in Quebec – insurers like to see low-risk renters and will reward you accordingly.

  • Pay annual premiums

    While you can make payments on a monthly basis, paying your provider in full at once often saves you money in the long run. It shows insurers you're planning to stick around for at least a year.

  • Increase your deductible

    Your deductible is the amount you'll be paying out-of-pocket before your insurer meets you with the rest. The more you're willing to pay out, the cheaper your coverage will be. 

  • Stay claims free

    Did you know making a claim can increase your future tenant insurance rate? So keeping your insurance history as clean as possible will lead to the cheapest rates.

Get an online renters insurance quote today.

Ready to secure your Quebec renters insurance? We can help – in under five minutes, view how much you'll be paying for your customized policy.

A snapshot of Quebec renters

Now that you're an expert on Quebec tenant insurance, let's take a look at some key statistics on renters within the province – here are some interesting numbers we found from the Canadian Rental Housing Index.

1,356,405 households in Quebec rent instead of own – Meanwhile, nearly 3.5 million households in the province own their property. That means about 39% of the total household population is renting.

The average cost for rent and utilities in Quebec is $775 – When comparing this to the national average of $1,002, tenants in Quebec pay about 23% less than the Canadian standard for rent and utilities. 

The average renter household income in Quebec is $45,184 – That's quite a decrease from the Canada-wide number of $53,163. And on average, Quebec tenants spend 21% of their income on rent and utilities – with 14% of households spending over half of their income on these necessities. 


of households in Quebec rent their property instead of own.


of Quebec households spend more than half their income on rent and utilities.

Frequently asked Quebec renters insurance questions

Do you need renters insurance in Quebec?

How do you get tenant insurance in Quebec?

Can you buy Quebec tenant insurance online?

What is tenant liability insurance in Quebec?

Can landlords require renters insurance in Quebec?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

Learn more about insurance

read more articles

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us