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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Finding the right home insurance broker in Quebec isn’t just about getting a good price—it’s about getting proper protection.
Quebec’s insurance system is unique, with rebuild value requirements, missing default coverages, and province-specific insurer rules. Here’s what to look for when choosing a broker who can actually protect your home.
Why Working With a Quebec-Based Broker Matters
Home insurance in Quebec operates differently from the rest of Canada—and your broker should know that.
Policies here are based on rebuild value, not market value. That means your coverage must reflect how much it would cost to rebuild your home from the ground up, not just what it’s worth on paper. If your policy is based on market value, you could face a shortfall during a claim.
Most standard home insurance policies also exclude flood and sewer backup coverage unless you add them separately. These are two of the most common claim types in Quebec, especially in older neighborhoods and flood-prone regions like Laval, Gatineau, and parts of Montreal.
That’s why working with a local broker matters—they understand provincial rules, insurer appetites, and regional risks that can impact your coverage.
What a Good Broker Should Do
A great broker doesn’t just quote you a price—they help you understand what you’re actually buying.
Here’s what a strong Quebec-based broker will do:
- Ask about your home’s rebuild value, renovations, and upgrades.
- Add water-related coverages (flood, sewer backup, overland water) where needed.
- Explain deductibles and how they differ under Quebec’s rules.
- Compare multiple insurers to find the best combination of cost and protection.
- Review your policy regularly to ensure it reflects any changes to your property.
At KBD Insurance, we go beyond numbers—we tailor coverage that fits your property, lifestyle, and budget, so you’re protected when it matters most.
Why Local Expertise Makes a Difference
Every province has its own insurance framework—but Quebec stands apart for its unique mix of climate, regulations, and housing stock. A local broker understands:
- Older homes and how outdated wiring, plumbing, or roofing impact coverage.
- Weather risks like freeze-thaw cycles, snow load, and ice damming.
- Regional insurer preferences, helping match your property to the right provider.
That expertise helps ensure you’re not left with surprises when you need your policy the most.
FAQs
Q: What does a home insurance broker in Quebec actually do?
A: They shop the market for you, explain coverage clearly, and build a policy that fits your specific risks—not a one-size-fits-all package.
Q: Can a broker save me money?
A: Yes. Brokers compare rates across multiple insurers and can often find better value than going direct, while ensuring you’re properly covered.
Q: Why is local experience so important?
A: Quebec’s rebuild rules, French-language policies, and weather-related risks make local broker expertise essential when tailoring your policy.
Wrap Up
Need a home insurance broker in Quebec who understands the province’s rules and risks?
Get a free quote or coverage review from KBD Insurance—trusted by Quebec homeowners for over 40 years.