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 Montreal, the cheapest policy often isn’t the best deal.
A low monthly premium may look good on paper, but if it skips key coverage, it can cost you 10x more when disaster strikes. Here’s how to shop for cheapest home insurance in Montreal without cutting corners.
The Real Cost of Cheap Home Insurance
Too many Montreal homeowners search for “cheapest home insurance” and end up with a policy that leaves them exposed.
Why? Because cheap plans often leave out essentials like:
- Sewer backup coverage → one of the most common claims in Montreal.
- Updated rebuild values → older homes need accurate replacement costs, not just market value.
- Finished basement or renovation protection → skipped if your insurer doesn’t ask.
- Adequate liability limits → critical if damage spreads to a neighbour’s property.
These exclusions make a big difference. A flood or fire could leave you with tens of thousands in uncovered expenses—all because you focused on the lowest premium.
How to Lower Your Premium Without Losing Coverage
The good news? Cheap doesn’t have to mean risky. The smartest way to get affordable home insurance in Montreal is to adjust your policy strategically:
- Increase your deductible → higher out-of-pocket in a claim, but lower monthly premiums.
- Bundle auto + home → most insurers offer multi-policy discounts.
- Remove unnecessary endorsements → if you don’t need it, don’t pay for it.
- Shop multiple insurers → a broker compares the market to find you the best mix of price and protection.
This way, you’re saving money while still making sure your coverage will actually pay out when you need it.
Why Work With a Montreal Broker
Buying insurance online or going direct often means cookie-cutter coverage. A Montreal insurance broker asks the right questions about your home—like your plumbing, roof, renovations, and basement—so you’re not underinsured. Brokers work for you, not the insurer, and can balance competitive pricing with coverage that fits.
At KBD Insurance, we’ve helped thousands of Montreal homeowners save smart for over 40 years—delivering affordable policies that still protect what matters.
FAQs
Q: What’s the cheapest home insurance in Montreal?
A: Basic plans can start around $40/month, but these often come with limited protection. Value matters more than the sticker price.
Q: Can I lower my premium without losing coverage?
A: Yes—by raising deductibles, bundling auto + home, and removing extras you don’t need. A broker can help tailor this.
Q: Is sewer backup coverage included in cheap home insurance?
A: Usually not. It’s almost always an add-on, and skipping it is one of the biggest mistakes Montreal homeowners make.
Wrap Up
Looking for the cheapest home insurance in Montreal that still protects your home?
Talk to KBD Insurance for a free quote. We’ll help you save smart—without the hidden risks.