As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.
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Everyone wants to save money—but when it comes to home insurance in Quebec, the cheapest option isn’t always the smartest one.
Many “low-cost” policies skip critical coverages that end up costing you thousands after a claim. Here’s how to find affordable home insurance that actually protects your home, without paying for what you don’t need.
What Cheap Home Insurance Usually Misses
It’s easy to focus on price, but too many Quebec homeowners find out the hard way that cheap coverage often means missing coverage.
Here’s what low-cost policies tend to exclude:
- Sewer backup – one of Quebec’s most common and expensive claims.
- Overland water/flood coverage – not automatically included.
- Accurate rebuild values – outdated policies don’t reflect today’s construction costs.
- Finished basements or renovations – often not fully covered.
When disaster strikes, these gaps can mean denied claims or payouts that fall short of what it costs to rebuild or repair.
How to Save Smart (Without Losing Coverage)
Getting the cheapest home insurance in Quebec doesn’t mean cutting corners—it means being strategic. Here’s how to do it right:
- Raise your deductible – A higher deductible lowers your premium while keeping solid protection.
- Bundle your home and auto policies – Multi-policy discounts can save hundreds each year.
- Remove extras you don’t need – Trim unnecessary endorsements that don’t apply to your situation.
- Compare multiple insurers – A local broker can shop around to find the best balance of cost and coverage.
At KBD Insurance, we help homeowners across Quebec find affordable home insurance that still covers what matters—without the “gotchas” hidden in cheap online policies.
FAQs
Q: What’s the cheapest home insurance in Quebec?
A: Basic coverage can start around $40/month, but those plans often exclude key protections like sewer backup or flood coverage.
Q: How can I lower my premium without losing protection?
A: Work with a broker to increase deductibles, bundle policies, and fine-tune coverage limits strategically.
Q: Is sewer backup coverage really necessary in Quebec?
A: Absolutely—it’s one of the most common claims in the province, especially in older or flood-prone areas.
Wrap Up
Want to lower your insurance bill without losing protection?
Get a free quote or policy review from KBD Insurance—trusted by Quebec homeowners for over 40 years. Save smart, not risky.