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Find the most affordable home insurance in Brossard

If there’s one part of life where doing your research pays off, it’s insurance. And thanks to online comparison shopping, doing your research is easier than ever before. With LowestRates.ca, you can get freequotes from Brossard home insurance providers with just a few clicks.

How does it work? LowestRates.ca partners with more than75 insurance providers to bring you apples-to-apples comparisons across different plans and carriers. Whether you’re looking for house insurance as a Brossard homeowner or rental insurance for your apartment, we’ll help you find the lowest rates for Brossard home insurance.

Of course, you may not be ready to make a decision yet. If you’re overwhelmed by the options or confused about how home insurance works, don’t worry – you’re in great company. Read on for basic insurance information, tips to lower your rates, and frequently asked questions, and more.

 

Outline of a house. Illustration.

See how much you could be saving on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from July 03, 2022
Type of home
Detached 1,523 sq ft
Location
Brossard
Previous claims
None
Lowest Rate
$53/mth
$633/yr
Average rate
$151/mth
$1,807/yr
Saved
$98/mth
65.00%
Quote from July 03, 2022
Type of home
Townhouse 1,121 sq ft
Location
Brossard
Previous claims
None
Lowest Rate
$65/mth
$780/yr
Average rate
$174/mth
$2,087/yr
Saved
$109/mth
63.00%
 

Tips on how to lower the cost of your home insurance policy in Brossard.

Getting insurance for your home is easier than it may seem. To secure the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your Brossard home insurance broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote in Brossard.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

Do you really need home insurance coverage in Brossard?

Home insurance isn’t required by law in Brossard or anywhere else in Canada. But it is required by the banks and other lenders who finance home mortgages. And that’s for a very good reason: Home insurance is incredibly useful. When the unexpected strikes, a good insurance policy can protect homeowners from financial disaster.

1. Damage to the house itself
Imagine that a severe hailstorm ruins your roof or an electrical fire destroys your garage. The cost of repairing this damage (think walls, flooring, plumbing, wiring, doors, windows, etc.) is far more than most of us can afford out of pocket.

2. Damage to your possessions
Beyond the structural elements of your home, you also have valuable possessions at risk. For instance, a lightning strike could cook your laptop, television, and other appliances. Or smoke damage from a fire could force you to replace all your furniture and clothing.

3. Additional living expenses
After one of these incidents, you may not be able to occupy your home for some time. If you need to rent a hotel or other temporary accommodations, that’s another financial burden you’ll bear.

4. Personal liability Imagine that a guest slips and falls on your icy sidewalk. They might sue you for compensation to help cover their medical costs. And it may surprise you to learn this is true for tenants as well as homeowners.

If you’re facing one or more of these costs after an unexpected event, the cost could run to tens or even hundreds of thousands of dollars. That’s where a strong insurance policy will protect you – and why so many homeowners consider it an absolute necessity. When you’re considering the price of home insurance in Brossard, the question is whether you can afford not to have it.

Your questions about homeowners insurance in Brossard, answered.

How much is home insurance in Brossard?

The typical homeowner can expect to pay somewhere around $80 monthly (i.e. about $1,000 annually), given current home insurance rates in Brossard.

But please note that this is just a rough estimate! Your house insurance costs will depend on a rangeof factors, including the value and size of your home, where it’s located, the quality of construction, the overall value of your possessions, and more.

The issue of home value may be of particular interest for Brossard homeowners. In the past five years, local home prices have spiked 80% – higher than anywhere else in Quebec – with the area’s median single-family home price at $658,500 in 2021. And of course, it costs more to insure a more valuable home, which is one of the reasons why insurance rates in Brossard are on the rise.

But don’t fret – it’s still entirely possible to find cheap home insurance in Brossard. Just be diligent about comparison shopping and follow best practices to keep your premiums low.

What perils are specific to Brossard?

In Brossard, most “perils” – i.e. hazards that could damage your home and possessions – are similar to those you’ll find across Canada. That includes heavy snowfall and freezing temperatures, which pose an ongoing nationwide risk to homes and property. (More on that shortly.)

But Brossard’s location on the banks of the St. Lawrence river does represent one specific peril: flooding. If the river rises over its banks and floods Quebec City as it has in recent years, Brossard homeowners will want insurance against the damage. In insurance lingo, this is known as “overland flooding.” It is distinct from water damage , such as when a pipe bursts.

And while overland flooding in Canada was not historically covered by home insurance policies, that has fortunately begun to change. Flood insurance is increasingly available to Brossard homeowners as part of a comprehensive policy.

What perils does home insurance cover in Brossard?

Home insurance in Brossard covers a wide range of perils to your home and property. This includes:

  • Fires and explosions
  • Lighting and unexpected electrical currents
  • Impact from a vehicle or aircraft
  • Smoke damage (this excludes fireplaces, but covers malfunctioning stoves, heaters, and other appliances)
  • Wind and hail
  • Water damage from indoor plumbing, heating, sprinkler systems, etc. Note that frozen and burst pipes may be considered preventable, depending on your situation, and thus would not be covered. Make sure to read the fine print and understand your responsibilities to prevent indoor pipes from freezing.
  • Vandalism and malicious acts
  • Riots and theft

Bear in mind that the best home insurance plans in Brossard will cover far more than these perils! That includes personal liability costs (i.e. if someone is injured on your property and sues you for damages) and additional living expenses (so you can rent temporary housing if you’re displaced). Think of these perils as the beginning, rather than the end, of what home insurance can do for you.

What perils won’t property insurance cover in Brossard?

There are a number of perils that home insurance generally won’t cover for Brossard homeowners. Some of these are no-brainers, such as damage to illegally acquired property (you can’t insure stolen goods!), losses caused by your own criminal acts, and damage caused by the deliberate application of heat (e.g. if the dryer shrinks your wedding gown). Also excluded are some types of damage that are considered normal and natural, like a rotting wooden fence.

Other non-covered perils might surprise you, however, and you should research them carefully before signing on the dotted line. These include:

  • Landslides and avalanches. Earthquakes are also generally not covered, but you may be able to purchase coverage as an optional add-on.
  • Overland flooding damage. As we mentioned above, this has not historically been covered, but may be in some newer comprehensive plans. It may also be available as an optional add-on.
  • Damage from the freezing of indoor plumbing. Again, you may have special responsibilities to have your plumbing maintained to prevent freezing – especially if you’re away from home. Pay close attention to these details in any home insurance policy.
  • Vacancy. Your coverage may lapse if your home is unoccupied for 30 consecutive days.
  • Damage from birds, raccoons, insects, and rodents.
  • Damage from heaving frost and melting or moving snow and ice.
  • Fuel oil leaks.
  • War, terrorism, and nuclear hazards.

What kind of home insurance do you need in Brossard?

There’s no one-size-fits-all answer to this question. A home insurance policy that’s perfect for one homeowner might offer too much or too little coverage for another. That’s why it’s crucial to do your research and consider the options.

Broadly speaking, here are the three home insurance types you’ll be able to purchase, from most to least extensive:

1. Comprehensive:
This plan covers your home and possessions against all risks, except for a select group of exclusions (see above for some examples).

2. Broad:
A broad plan covers your home itself against all risks, similar to a comprehensive policy. Your possessions within the home, however, are only protected against perils that are specifically named in the policy. (For example, fire damage may be included while water damage is not.)

3. Basic:
Also called a “standard” or “named perils” plan, this policy protects your home and its contents only from specific hazards that are named in the contract. All other forms of damage are excluded from coverage.

What can you do to save on home insurance premiums in Brossard?

There is a whole slew of smart tips you can follow to get the very best home insurance rates in Brossard. Here are the most effective, according to our experts:

  • Pay annually. Most home insurance companies will give you a discount for paying your whole year’s premium all at once, instead of paying monthly or quarterly.
  • Raise your deductible. Insurance fees are like a see-saw. The more you’re willing to pay when you file a claim (i.e. your deductible), the lower your monthly premiums will be – and vice versa. Just make sure the deductible is one you can actually afford during an emergency.
  • Shop around. A little comparison shopping goes a very long way. Use LowestRates.ca to compare online quotes for Brossard home insurance from 75 different carriers.
  • Fine-tune your plan. If you’re buying an off-the-shelf policy, there may be some excessive provisions. Make sure you’re only paying for the home insurance you want, and nothing more.
  • Gear up. If you don’t have them already, getting smoke detectors, carbon monoxide detectors, and a monitored burglar alarm can make your home safer in the eyes of insurers, who will then knock a few dollars off your premiums.
  • Ask for discounts. Yes, sometimes getting better rates is just a matter of asking for them. You might be eligible for special discounts if you’re a non-smoker, retiree, or a member of a certain union, guild, alumni group, and so on.

What are the best home insurance companies in Brossard?

The best home insurance company is the one you’re happiest with. We wish there were a simpler answer to this question, but the reality is that every homeowner has unique needs and preferences.

So how do you find the perfect plan? It’s easy to get lost in the details, but the essential steps are always the same: Get a Brossard home insurance estimate from as many companies as possible. Then read the fine print, do your research, and choose the one that’s right for you.

What if I own a condo or rent? Can I still buy property insurance online?

Yes! Specialized insurance policies are available for condominium owners and apartment renters in Brossard. And even better: They cost less, on average, than a Brossard home insurance policy. Start your search on this page, and LowerRates.ca will help you find condo or renter’s insurance at the best available price.

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