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Compare and find the lowest Quebec property insurance rates, save up to 32%.*

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What our users say:

May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 23
Very polite agent fair quotes
Very polite agent fair quotes
Leo Rumble
May 17
Great and valuable services regarding…
Great and valuable services regarding competitive rates and coverage
Muhammad Hanif
May 15
It was a very professional service
It was a very professional service. The person.was polite
Hugo Figueroa
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 10
Good experience
Good experience
AV
May 9
👍👍👍👍
They are friendly and helpt
Maria
May 9
Best customer service
Best customer service.
HARIDASAN VELAYUDHAN
May 7
Very professional
Very professional, quick and prompt answers.
DORIN COTOI
May 7
Customer service was 10/10
Customer service was 10/10, very informative and helpful/friendly.
Emily
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
May 2
They found the lowest possible premium…
They found the lowest possible premium for me in minutes
Rob Di Ciccio
May 2
Knowledgeable staff.
Knowledgeable staff.
paul malandrino
April 27
Very Helpful and Professional
Quick, and professional. Explained everything really well and answered all my qu...
Bonnie
April 26
A great agent...all my questions…
A great agent...all my questions answered I think Maria is an asset to your comp...
Ron Tombari
April 24
Great customer service
Great customer service! Ethan took the time to go over specifics with me! He was...
Margaret Lewis
April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird

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When you find the best quote, secure your Quebec home insurance rate by talking to a licensed broker or agent.

How we find you the best home insurance quotes in Quebec.

Home insurance is a major component of homeownership. It protects your property, family and possessions from damage and liability. Without home insurance, you may be disqualified from mortgages or left to pay out of pocket in the event of property damage.

When it comes to purchasing home insurance, you’ll want to make sure you’re getting the best coverage at the best price. LowestRates.ca compares home insurance quotes from providers in Quebec, offering a quick and painless way to find great coverage.

Here, we break down what you need to know about protecting your property in Quebec. We also offer you the opportunity to get a quote that can help you save.

Outline of a house. Illustration.

See how our customers in Quebec save big on home insurance.

Type of homeLocationPrevious claimsLowest rateAverage rateSaved
Quote from May 25, 2024
Type of home
Detached 2,997 sq ft
Location
Eganville
Previous claims
2
Lowest Rate
$353/mth
$4,236/yr
Average rate
$1,050/mth
$12/yr
Saved
$697/mth
$8,364/yr (66.00%)
Quote from May 25, 2024
Type of home
Detached 754 sq ft
Location
Belleville
Previous claims
None
Lowest Rate
$125/mth
$1,500/yr
Average rate
$178/mth
$2,136/yr
Saved
$53/mth
$636/yr (30.00%)
Quote from May 25, 2024
Type of home
Townhouse 1,833 sq ft
Location
Ottawa
Previous claims
None
Lowest Rate
$95/mth
$1,140/yr
Average rate
$201/mth
$2,412/yr
Saved
$106/mth
$1,272/yr (53.00%)
Home insurance quotes are compared from CAA, Dominion Insurance, Economical Insurance, Gore Mutual, Max Insurance, Pembridge, SGI, Square One Insurance, and Wawanesa Insurance.
 

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

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 in Quebec

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.

What you need to know about home insurance in Quebec.

 

What affects home insurance rates in Quebec?

Insurance companies look at a wide array of categories to determine your annual premium. Many of the details considered concern your property and where it’s located. Insurers also look at who and what’s inside your home to determine proper coverage.

If you or your property are deemed more risky to insure, your premium will reflect that.

  • The location of your property can determine how guarded it is from theft, break-ins or random damage. For example, you may get a lower quote if you live on a quiet side street over a busy city throughway prone to vandalism. The past experience of your neighbourhood will show insurers how likely it is you’ll make a claim. Your location will also show insurers how close you are to a fire hydrant in case of an emergency.
  • Your property will be evaluated for its replacement cost: that is, how much it will cost to replace the structure and its contents in its entirety, not how much your home costs on the real estate market. Insurance makes sure your home can be rebuilt if it’s deemed a total loss.
  • The quality of your property’s build will also be considered, including the age of the roof, how susceptible it is to water damage, and any other natural aspects such as old trees above or infiltrating roots below. The type of heating and electrical will also be considered, along with any security features.
  • Finally, there will be a personal profile done on the homeowner to determine their risk as well. For example, Quebecers who smoke may pay more for home insurance because neglected butts are a fire hazard.

Risk factors in Quebec

Quebec is known for its picturesque summer and fall seasons, but is notorious for its bitter, harsh winters. Consistent, freezing temperatures pose unique risks to homeowners in the province.

Freezing conditions

Though it’s colder in the northern province than it is in the south, freezing pipes are still a concern during the winter season throughout the province. Snow is also common for at least three months total, with peaks in January and February. Ice storms have historically impacted southern Quebec, freezing power lines and filling storm drains with the eventual thaw.

Regions at highest risk: Western and Central Quebec.

Excessive snowfall

In north-eastern Quebec, where snow averages can top 146 inches for the winter, a strong roof is paramount to maintain the building’s structural integrity and protect its contents. Providers will definitely be interested in the age and type of roofing material installed on your home.

Regions at highest risk: Central Quebec, Northeastern Quebec.

Aging housing stock

Quebec is known for its Gothic and Victorian architecture, and you can be sure insurers will inquire about the last renovation of older homes, their heating and electrical systems, what has been upgraded, staircases, and if entry and exit points are secure and/or accessible.

Regions at highest risk: Quebec City, Montreal.

What kind of coverage do you need in Quebec?

The amount of coverage required for your property should reflect the value of the home itself, plus all the important contents within. Keeping track of how much everything is worth and noting any renovations or big purchases will ensure you have an accurate valuation.

In Quebec, it’s crucial to protect your home from winter damage, frozen or broken pipes, flooding, and falling trees. Burst pipes and exterior damage from heavy snow or fallen trees may be covered with named perils coverage, depending on your insurer. Creating a space that is safeguarded from these scenarios is even better; insulation, structural upgrades and winter maintenance can go a long way.

It’s important to discuss your coverage options with your broker or provider and read over your policy thoroughly.

Comprehensive or All Perils - An all perils or comprehensive insurance policy will cover nearly all risks, except those explicitly excluded. The most expensive type of coverage available.

Basic or Named Perils - With named perils insurance you will only be covered for losses related to the perils named explicitly in your policy.

Broad - Generally considered to be a good compromise between comprehensive and basic policies. A broad policy protects the structure of your home from all perils, while its contents are only covered against named perils.

No-Frills - This policy will be your most basic coverage option that will still cover the cost to replace or repair your property, but may leave out ornamental coverages such as room and board in the event of a fire, for example.

Endorsements are additional coverages you can add on to your policy to protect valuables that may not be included in traditional property insurance. For example, you may want to add on an endorsement to protect your expensive jewelry or fine art collection from damage or theft. Endorsements are also referred to as “riders” or “floaters”.

Who regulates the home insurance industry in Quebec?

The regulatory body for insurance in Quebec is called L’Autorité des marchés financiers (AMF) and it governs using the Act respecting Regulation of the Financial Sector, S.Q. 2013.

The AMF, as mandated by the Quebec government, regulates and oversees Quebec’s financial markets, approves rate changes, and assists consumers with financial products and services.

What can you do to save on home insurance in Quebec?

You can save on almost all types of property insurance policies in Quebec if you know where to look. It’s important to recognize the discounts you’re eligible for so you don’t end up spending more than needed.

Some of the most common property insurance discounts in Quebec relate to:

  • Maintaining good credit.
  • Making your home more secure and resistant to natural damage.
  • A strong/new roof.
  • Bundling different insurance types with the same provider.
  • Shopping around for the best quote.
  • A long-standing relationship with your insurer.

What companies offer the best home insurance in Quebec?

Picking the best insurance provider can be challenging, as there are several companies in operation catering to assorted property types and homeowners in Quebec.

Homeowners in Quebec benefit from the diversity and competition within the insurance industry, which is why shopping around is one of the first steps to take when you’re looking for a new provider. Whether you want an international, Canadian or Québécois insurance company protecting your property, LowestRates.ca can help you find the right fit. Here are some of the major insurance companies operating in the province:

  • Belairdirect.
  • Promutuel.
  • La Capitale.
  • Desjardins General Insurance.

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*Shoppers who obtained a property quote on LowestRates.ca from January to December 2023 saved an average of 32%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca. Excludes tenant and condo insurance.