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What people say after comparing rates on

Based on 505 reviews
September 22
Easy, fast and professional.
I got my home insurance through Lowest rates and had a great experience. Easy, f...
Aubree Campbell
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
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August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
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August 4
Insurance Premiums
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August 4
Great service!
Great service!
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August 3
They respond very quickly
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August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
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August 2
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July 30
Good experience was pretty quick
Good experience was pretty quick
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July 29
The agent was friendly
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July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
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July 22
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Excellent service
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July 21
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They were great
July 21
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Excellent pricing
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July 16
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Review for low rates
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Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
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I used lowestrates to find great rates…
I used lowestrates to find great rates for both my car insurance and for renter'...
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This website ( makes…
This website ( makes your decision on which insurance is the les...
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March 30
every time i use lowest rates i get a…
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March 15
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Good customer service
Good customer service
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March 4
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Always use this site to find all types of insurance. I am yet to find better quo...
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Great team and amazing communication…
Great team and amazing communication skills. Very straight forward to get an est...
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Meet La Capitale home insurance.

La Capitale is one of the largest insurers in Quebec, with a long history of providing services to the public sector in the province. The insurer was founded in 1940 by federal employees and now provides insurance, investment funds, mortgages and other financial products to the workers of more than 800 institutions in Quebec.

La Capitale is headquartered in Quebec City and while the province it calls home is its largest market, the insurance company has a presence in Ontario as well.

If you’re in the market for home insurance and are looking at La Capitale, we recommend doing an insurance quote with us here at to compare your options to find the coverage that’s right for you.

How consumers review La Capitale home insurance.

La Capitale ranks highly for satisfaction among home insurance customers. The J.D. Power 2019 Canada Home Insurance Satisfaction Study found that La Capitale tied for third in satisfaction with a rating of 809 in its home province of Quebec. It didn’t rank outside the province, but that’s to be expected given that Quebec is its main market.

ProvinceUser satisfaction rating
Quebec region
Western region







How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get 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 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

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

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.

The La Capitale home insurance advantage.


La Capitale offers a number of discounts and special programs to help you get the most out of your insurance. The company highlights on its website that the average consumer saves $425 by bundling their home, auto or leisure vehicle insurance together. La Capitale also offers free coverage to protect your professional materials (such as tablets and cameras). Finally, the insurance company touts the “best water damage coverage on the market”, offering a number of add ons such as sewer backup and flood damage protection.

Below, we take a closer look at what you can get with La Capitale:

  • Water leakage detector: You can get a discount on your home insurance at La Capitale if you equip this valve that automatically closes if a leakage is detected.
  • Bundling discount: This will save you money if you also have a vehicle (this can be a car, SUV or a leisure vehicle like an RV).
  • Loyalty discounts: You are eligible for discounts and perks as part of La Capitale’s loyalty program, which rewards you the longer you remain a client with the company (privileges start at day one, with more rewards coming after three, five, 10, 15, 20 and 25 years). You get things like free insurance coverages, free legal and psychological assistance and deductible reductions on your home, auto, and recreational vehicles. Also, if you have multiple people insured with La Capitale, everyone gets the same loyalty perks available to the person who’s been insured the longest. So if your daughter has been insured for three years, but your husband for 15, then your daughter has access to all the perks your husband does. That’s good news, because perks continue to get better the longer you’re insured.

Special programs

La Capitale home insurance also offers some special programs that you can take advantage of.

Pay a single deductible - If you’re hit with a loss on two or more items you insure with La Capitale, you only have to pay a single deductible.

Free coverage for professional materials - Items such as cameras, computers, tablets, tools and books are all eligible for free coverage under your home insurance policy as part of La Capitale’s “professional materials” perk.

Claim forgiveness coverage - For as little as a few dollars a month, you can get claims forgiveness on your La Capitale insurance, which will prevent your insurance rates from going up if you make up to two claims in a five year period.

Legal access insurance - This provides you access to one of La Capitale’s lawyers to get assistance with legal questions.

Is there an app?

Yes. You can download the La Capitale app on Google and Apple devices. The app gives you access to your Client Centre, where you can update your information or view your home or auto insurance documents.

How to submit a claim with La Capitale

La Capitale requires you to call its claim service if you’re filing a home insurance claim. It encourages you to call if you’re unsure whether to file a claim or want to get more information.

You can check the progress of your filed claim and upload any supporting documentation online using the La Capitale app.

To submit a claim by phone:
Claims Centre: 1-800-461-0770
To speak with a claims agent online:
Visit La Capitale’s website.
Hours of availability:
The claims call centre is active 24 hours, seven days a week.
The online chat function is available during the following times:
8:00 a.m. to 8:00 p.m. Monday to Friday
8:30 a.m. to 4:00 p.m. Saturday

What else does La Capitale do?

La Capitale provides a whole suite of insurance products in addition to home insurance, as well as offering various other financial products. Here’s a quick look at what else you can get with La Capitale.

  • Car insurance
  • Travel insurance
  • Life insurance
  • Mortgages
  • Investment accounts
  • Deferred life annuities
  • RRSPs, RESPs and TFSAs
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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