Home Insurance
Home insurance built around how you live.
Whether you own, rent, or share a building, your home is your most personal space. Protecting it properly means more than picking a number off a list. We take the time to understand your situation, your property, and what matters most to you, then find the coverage that actually fits. No generic packages. No surprises when you need to make a claim.
Quebec coverage, your way
Renter, owner, or co-owner: the right policy is the one that fits.
Your home is where your life happens. A renter’s tenant policy, a homeowner’s full-structure coverage, and a condo co-owner’s gap policy are three completely different products. We sell all three, and we pick the one that actually matches your situation, not the one a single insurer happens to push that quarter.
Tenant, homeowner, and condo can be quoted online in minutes. High-value homes, landlords, and renovation projects route to a broker conversation, because those risks deserve a real underwriting walk-through. See the full range of broker services we handle on your behalf.
What is covered
Mandatory, standard, optional: what fits your situation.
Standard coverage across our partner carriers. Coverage names vary slightly between Intact, Aviva, Promutuel, and others. We will match you to the carrier with the wording that fits your situation best.
Mandatory
Required by your lender
Home insurance is not required by Quebec law, but every mortgage lender requires it before releasing funds, and many condo syndicates ask for it too. It also covers you if someone is injured on your property or if you accidentally cause damage to others, including neighbours.
- Civil liability for the property
- Proof of coverage filed with the lender
Standard
What most homeowners carry
Protects the structure of your home and the personal belongings inside against named perils like fire, water damage, and theft. The foundation of any solid home policy.
- Fire and smoke damage
- Theft
- Water damage (basic)
- Personal property
Optional
Add-ons worth asking about
Endorsements that pay off when life happens. Extend your base policy with extras that fill the gaps a standard policy leaves open.
- Sewer backup
- Equipment breakdown
- High-value items (jewellery, art, electronics)
- Loss of use if your home becomes uninhabitable
- Earthquake
- Identity theft
- Replacement cost endorsement
Home types
Coverage for every kind of home.
Pick the situation that matches yours. Each route lands on the right page, and a licensed broker handles every quote personally.
Property types
Every kind of home we cover.
The type of property you live in shapes the coverage you need. We specialize in all residential configurations, from studio apartments to multi-unit buildings. Pick the situation that matches yours and a licensed Quebec broker takes it from there.
Tenant (Renter)
You don’t own the walls, but everything inside is yours to protect. Tenant insurance covers your belongings against theft, fire, and water damage, plus civil liability if you accidentally cause damage to the building or neighbours.
Homeowner Insurance
Full protection for the house you own: the structure, your personal contents, detached structures (garage, shed), and your liability. We make sure your rebuild cost is accurate so you’re never underinsured after a major loss.
High Value Homes
Higher-value homes carry higher stakes: custom finishes, fine contents, and rebuild costs a standard policy will not fully cover. We place coverage with insurers who specialize in higher-value properties.
Co-owner (Condo)
Condo owners are in a unique position: the building is partially covered by the syndicate’s master policy, but your unit improvements, personal belongings, and liability gaps are yours to fill. We make sure nothing falls through the cracks.
Duplex (Owner-Occupied)
Living in one unit while renting out the other? Your policy needs to reflect both uses. We find coverage that protects your home as both a residence and an income property.
Triplex & Multi-Unit
Multi-unit properties carry more risk and more complexity. We ensure your building, rental income, and liability exposure are all properly covered, even across multiple tenants and units.
Chalet & Secondary Property
Seasonal and secondary properties come with risks of their own: remote location, extended vacancy, outdoor equipment. We find policies built for properties that aren’t your primary residence.
Vacant Property
An empty home is a higher-risk home. Standard policies often exclude properties vacant for more than 30 days. We find coverage that protects your property during renovations, between tenants, or while it’s listed for sale.
Landlord Insurance
Renting out a property you own requires landlord-specific coverage: protecting the building, covering loss of rental income, and managing your liability as a property owner, whether it is one unit or a small portfolio.
Renovations
Planning major work on your property? Construction-period coverage is handled on the commercial side. We make sure the property stays protected while the work is underway.
Why a broker
We work for you, not for the insurer.
Home insurance seems simple until it isn’t. Most people only find out their coverage has gaps when they file a claim. A broker’s job is to prevent that from ever happening.
Standard homeowner or tenant? Get a real rate online in minutes. Anything else, a broker walks you through it so you do not end up with the wrong policy for the wrong reason. Not sure what you need?
FAQ
Frequently asked questions.
Short answers to what Quebec homeowners and renters ask us most. Still unsure? A licensed broker replies the same business day.
Is home insurance mandatory in Quebec?
Home insurance isn’t legally required in Quebec, but your mortgage lender will almost certainly require it as a condition of your loan. Condo syndicates may also require co-owners to carry personal coverage.
I rent my apartment, do I really need insurance?
Yes. Your landlord’s insurance covers the building, not your belongings, and not your liability. If there’s a fire, flood, or break-in, only your own tenant policy will cover the cost of replacing what you own. It’s also one of the most affordable types of insurance available.
Is water damage covered?
It depends on the source. Sudden and accidental water damage (like a burst pipe) is usually covered. Flooding from outside, sewer backup, and gradual leaks are often excluded from base policies, but can be added as endorsements. We always review your water coverage carefully, especially in Quebec where freeze-thaw cycles are a real risk.
How much coverage do I actually need?
For owners, coverage should reflect the full cost to rebuild your home, not its market value. For renters, it should cover the replacement value of everything you’d need to replace if you lost it all. We’ll help you calculate both accurately so you’re never left underinsured.
Insurance, made easy to understand.
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