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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Most people think buying home insurance is just about picking the lowest quote, however, that mistake can leave you underinsured.
The right home insurance broker does more than compare prices—they ask the right questions, explain coverage clearly, and make sure your policy reflects the city’s unique risks. Here’s why working with a local broker matters.
Why Brokers Beat Online Quotes in Montreal
In Montreal, buying home insurance online or direct from a provider might look quick and easy—but it can miss the details that matter. A local broker works for you, not the insurer. They:
- Shop multiple insurers → more choice, not just one product.
- Ask the right questions → basements, renovations, and rebuild values.
- Explain coverage clearly → no jargon, no surprises.
Most importantly, they understand Montreal-specific risks. Sewer backup, flooding, and theft are some of the city’s most common claims, and flat roofs make homes vulnerable to ice damming in winter. If these aren’t addressed in your policy, you’re at risk of a denied or underpaid claim.
Why Local Knowledge Matters
Montreal isn’t like the rest of Canada. Older housing stock, unique zoning rules, and harsh winters make coverage more complex.
For example:
- Renovated basements often increase rebuild costs but aren’t always reported.
- Sewer backup isn’t included by default—it must be added as an endorsement.
- Market value doesn’t equal rebuild value—especially in older neighborhoods like NDG or Plateau.
A home insurance broker in Montreal knows to flag these issues before they turn into costly problems.
How KBD Insurance Helps
At KBD, we’ve helped thousands of Montreal homeowners avoid common coverage gaps.
Whether you’re in Westmount, Pointe-Claire, or downtown, our team compares policies, explains your options, and makes sure you’re not just buying the cheapest quote—but the right protection for your home.
FAQs
Q: Why use a home insurance broker instead of going direct?
A: Brokers offer more choice and better guidance. They aren’t tied to one insurer, so they can tailor coverage to your property and location.
Q: Do brokers charge a fee in Montreal?
A: No. Brokers are paid by the insurer. You get professional advice without extra cost.
Q: What coverages are most important in Montreal?
A: Sewer backup, ice damming, and accurate rebuild values are critical. A broker ensures these are included in your policy.
Wrap Up
Don’t settle for the cheapest quote. Get a policy that actually protects your home.
Get a free quote from KBD Insurance—trusted by Montreal homeowners for over 40 years.