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 the cheapest insurance in Quebec — but the lowest premium isn’t always the best deal.
Many “cheap” policies skip essentials like water protection or liability coverage that end up costing far more later.
Here’s how to get affordable, smart insurance in Quebec without cutting corners — and how a local broker like KBD can help you do it right.
Cheap Doesn’t Mean Smart
Price shouldn’t be your only deciding factor.
The real goal is to pay less for coverage that still protects you when it counts.
In Quebec, policies that seem cheap at first often exclude water damage, rebuild-value updates, or personal liability — three of the most common claim areas.
Always read the fine print before chasing the lowest quote. If the policy doesn’t clearly outline what’s excluded, ask your broker to explain it.
3 Ways to Lower Your Premium (The Smart Way)
1) Compare Multiple Insurers
No single company offers the best price for everyone. Each insurer evaluates risk differently — your location, claim history, and even credit score affect your rate.
A broker like KBD can shop the market across multiple insurers to find you the best value.
2) Update Your File
Renovated your roof? Installed an alarm? Paid off your mortgage?
These updates reduce your risk — and if your insurer doesn’t know, you’re missing potential discounts.
Keep your file current so your rate reflects your actual situation, not last year’s.
3) Review Annually
Rates fluctuate every year as insurers adjust to market trends.
Reviewing your coverage annually ensures you’re not overpaying or underinsured.
Why Work With a Quebec Broker
Direct insurers only offer their own product lines. A broker compares options from several companies, explains the differences, and tailors coverage to your property and lifestyle.
At KBD Insurance, we work with over 10 top insurers across Quebec — helping clients save money while maintaining proper coverage.
FAQs
Q: What’s the cheapest insurance in Quebec?
A: It varies by person. Basic home or auto policies can start around $40–$60 per month, but the cheapest for you depends on your risk profile and location.
Q: How can I lower my premium?
A: Bundle policies, raise deductibles responsibly, and update your file with recent home improvements or safety features.
Q: Is cheap insurance risky?
A: It can be. Many low-cost plans exclude key protections like water or liability coverage — that’s why a broker review matters.
Wrap Up
Want to save on insurance without sacrificing protection?
Get a free quote or coverage review from KBD Insurance — Quebec’s trusted local brokerage for over 40 years.