Landlord insurance helps protect property owners in Montreal and across Quebec from risks including property damage, liability claims, and loss of rental income.
KBD works with leading commercial real estate insurance companies in Canada to structure coverage based on your property type and rental exposure.
Find the best landlord insurance rates for your property in Quebec
KBD is a landlord insurance broker with over 40 years of experience helping property owners protect their investments.
We offer commercial rental property insurance and residential rental property insurance for buildings located in Montreal and across Quebec.
Comparing rates from leading landlord and commercial real estate insurance companies
Landlord and commercial rental insurance coverage options:
Short-term & long-term rental insurance
Insurance coverage designed for short-term rentals like Airbnb and traditional long-term leases, protecting Quebec property owners from liability, property damage, and rental income loss.
Commercial buildings and rental properties
Coverage for office buildings, retail spaces, and other commercial rental properties, protecting landlords against property damage, liability claims, and tenant-related risks.
Residential apartment buildings and multiplexes
Insurance for duplexes, triplexes, apartment buildings, and multiplex properties. This protects Quebec landlords against property damage, liability claims, and potential loss of rental income.
Speak with the same expert every time you call
Your own dedicated representative.
If you’re looking for peace of mind and to save time, working with an experienced advisor can make a difference.
KBD assigns every client a dedicated commercial insurance broker who understands rental property risks and helps structure the right coverage for your building.
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Get a landlord or commercial rental property insurance quote today.
Landlord insurance in Quebec: Your questions answered
How much does landlord insurance cost in Quebec?
The cost of landlord insurance in Quebec can range anywhere from $1,300 and $5,000 per year, depending on several factors related to your property and tenants.
Insurance companies usually calculate premiums based on:
- Whether your tenants are residential or commercial
- Your building’s claims history
- The construction type and fire resistance of the property
- The location of the building
- The number of units and occupancy type
Buildings with fewer claims, updated construction, and lower-risk tenants generally qualify for lower insurance premiums.
Does landlord insurance cover short-term rentals like Airbnb in Quebec?
Yes, but not all insurance companies offer landlord insurance for short-term rentals.
If you rent out your property through platforms like Airbnb, it’s important to make sure your landlord insurance policy specifically allows short-term rentals.
A broker can help you find insurers in Montreal and across Quebec that offer coverage for this type of rental activity.
We’d be happy to help.
What does landlord insurance cover in Quebec?
Landlord insurance is a commercial insurance policy that works similarly to homeowners insurance but is designed specifically for rental property owners.
A typical landlord insurance policy may cover damage caused by events such as:
- Fire or lightning
- Wind or hail
- Smoke damage
- Theft
- Vandalism
- Water damage
- Earthquake (optional coverage)
One key difference between landlord insurance and homeowners insurance is rental income protection.
This coverage helps replace lost rental income if your property becomes uninhabitable after an insured loss.
Questions?
Should landlords require tenants to carry renters insurance?
It’s generally a very good idea.
Many landlord insurance claims are caused by tenant-related incidents, which is why landlords often require tenants to carry their own renters insurance.
Tenant insurance typically includes liability coverage, which can help cover damages or injuries caused by the tenant.
If a tenant is responsible for a loss, their renters insurance policy may respond first, helping protect the landlord from potential premium increases.
Many landlords in Montreal and throughout Quebec require tenants to carry at least $2 million in liability coverage.
How much does landlord insurance cost in Quebec?
The cost of landlord insurance in Quebec can range anywhere from $1,300 and $5,000 per year, depending on several factors related to your property and tenants.
Insurance companies usually calculate premiums based on:
- Whether your tenants are residential or commercial
- Your building’s claims history
- The construction type and fire resistance of the property
- The location of the building
- The number of units and occupancy type
Buildings with fewer claims, updated construction, and lower-risk tenants generally qualify for lower insurance premiums.
What does landlord insurance cover in Quebec?
Landlord insurance is a commercial insurance policy that works similarly to homeowners insurance but is designed specifically for rental property owners.
A typical landlord insurance policy may cover damage caused by events such as:
- Fire or lightning
- Wind or hail
- Smoke damage
- Theft
- Vandalism
- Water damage
- Earthquake (optional coverage)
One key difference between landlord insurance and homeowners insurance is rental income protection.
This coverage helps replace lost rental income if your property becomes uninhabitable after an insured loss.
Questions?
Does landlord insurance cover short-term rentals like Airbnb in Quebec?
Yes, but not all insurance companies offer landlord insurance for short-term rentals.
If you rent out your property through platforms like Airbnb, it’s important to make sure your landlord insurance policy specifically allows short-term rentals.
A broker can help you find insurers in Montreal and across Quebec that offer coverage for this type of rental activity.
We’d be happy to help.
Should landlords require tenants to carry renters insurance?
It’s generally a very good idea.
Many landlord insurance claims are caused by tenant-related incidents, which is why landlords often require tenants to carry their own renters insurance.
Tenant insurance typically includes liability coverage, which can help cover damages or injuries caused by the tenant.
If a tenant is responsible for a loss, their renters insurance policy may respond first, helping protect the landlord from potential premium increases.
Many landlords in Montreal and throughout Quebec require tenants to carry at least $2 million in liability coverage.