Landlord insurance quotes in Montreal & across the province of Quebec
Find the best landlord insurance rates for your rental property
KBD is a landlord insurance broker in Montreal with over 40 years of experience.
We offer building insurance for commercial and residential rental properties located in the province of Quebec.

Comparing rates from Canada’s leading landlord insurance companies
What our users say


Just changed over to KBD and the service was great!! Spoke with Devon over the phone and she was very polite, professional and patient with all my questions. Highly recommend KBD. Thank you Devon!!

Excellent service by Devon. She was able to offer me an incredible annual fee for my car insurance in comparison to what I am currently paying. She was very polite, professional and I really appreciated her patience she had with me. I would highly recommend this company. Keep up the good work Devon, Thanks again!

Our broker was Spencer, He was helpful and friendly, and the second Amazing experience with KBD, I got the best price and a quick service.
Brad was my insurance wizard. He managed to get me a great rate for my first brand new car!
Great service and a better staff and thanks to Spenser and David you guys were super helpful and thanks to the other guys I talked to
Get a rental property insurance quote today
Montreal landlord insurance FAQs
What insurance does a landlord need in Montreal?
We suggest purchasing “all risk” building insurance if you’re a landlord in Montreal. “Named perils” insurance policies provide less coverage, which can result in adequate claim settlements.
How much does landlord insurance cost in Montreal?
Landlord insurance can cost anywhere between $1,300 and $5,000 per year. Your annual building insurance cost depends on the following factors:
- Are your tenants residential or commercial? – tenants like restaurants or bars are higher risk, which will usually result in a higher landlord insurance cost.
- Claims history – The fewer claims you have, the less you’ll pay in insurance.
- Building construction – fire resistive buildings are less likely to burn down, therefore their insurance cost is lower.
- Your building location – stand-alone buildings generally pay less for insurance than buildings in congested areas of Montreal.
Why should a landlord require renters insurance for the tenants?
Most landlord claims are caused by tenants; if they carry their own liability insurance, you can pass the claim onto the renter, which will avoid your annual premium from increasing.
How do I get a building insurance quote in Montreal?
You can receive a quote for your building online or by contacting an insurance company directly. Online insurance quotes are faster to complete, but we always suggest having a professional set of eyes review everything before switching insurance companies. Most customers at KBD start by filling out an online quote and have it finalized over the phone with one of our brokers.
How to find the best building insurance for my rental property?
Shopping around and informing yourself is the best way to save money on your landlord insurance. Research landlord insurance companies in Montreal like Desjardins or Sonnet, and speak to a business insurance broker like KBD.
How does a commercial insurance broker help get cheap landlord insurance quotes?
One call to us means quotes from multiple insurance companies. Most of our landlord clients are insured with Intact or Lloyd’s.
What does landlord insurance cover?
Landlord insurance works almost exactly like a home insurance policy, and it covers you for the following perils:
- Fire/lightning
- Wind/hail
- Smoke
- Fire
- Theft
- Vandalism
- Water
- Earthquake
The one main difference between a building insurance policy and a homeowners policy is that you’ll need “rental income” protection, which covers the lost rent in the event of a claim.
Does KBD offer “short-term” rental insurance for Montreal landlords?
Yes. If you rent out your building through Airbnb or another short-term rental platform, we can provide you with a policy. Not every building insurance company in Montreal provides this service, so it’s important to make sure you pick the right company.
How much renters insurance should a landlord require in Montreal?
We suggest requiring your renters to carry $2 million in Liability Insurance. The annual cost for a tenant policy with this amount is between $100-150.
How do I lower the cost of my landlord insurance policy?
- Increase your deductible.
- Avoid making small claims.
- Keep up to date with renovations.
- Make sure your tenants carry their own Liability Insurance.
Does KBD offer landlord insurance quotes online?
Yes. Building insurance quotes generally take 3-4 minutes to complete.
What insurance does a landlord need in Montreal?
We suggest purchasing “all risk” building insurance if you’re a landlord in Montreal. “Named perils” insurance policies provide less coverage, which can result in adequate claim settlements.
What does landlord insurance cover?
Landlord insurance works almost exactly like a home insurance policy, and it covers you for the following perils:
- Fire/lightning
- Wind/hail
- Smoke
- Fire
- Theft
- Vandalism
- Water
- Earthquake
The one main difference between a building insurance policy and a homeowners policy is that you’ll need “rental income” protection, which covers the lost rent in the event of a claim.
How much does landlord insurance cost in Montreal?
Landlord insurance can cost anywhere between $1,300 and $5,000 per year. Your annual building insurance cost depends on the following factors:
- Are your tenants residential or commercial? – tenants like restaurants or bars are higher risk, which will usually result in a higher landlord insurance cost.
- Claims history – The fewer claims you have, the less you’ll pay in insurance.
- Building construction – fire resistive buildings are less likely to burn down, therefore their insurance cost is lower.
- Your building location – stand-alone buildings generally pay less for insurance than buildings in congested areas of Montreal.
Does KBD offer “short-term” rental insurance for Montreal landlords?
Yes. If you rent out your building through Airbnb or another short-term rental platform, we can provide you with a policy. Not every building insurance company in Montreal provides this service, so it’s important to make sure you pick the right company.
Why should a landlord require renters insurance for the tenants?
Most landlord claims are caused by tenants; if they carry their own liability insurance, you can pass the claim onto the renter, which will avoid your annual premium from increasing.
How much renters insurance should a landlord require in Montreal?
We suggest requiring your renters to carry $2 million in Liability Insurance. The annual cost for a tenant policy with this amount is between $100-150.
How do I get a building insurance quote in Montreal?
You can receive a quote for your building online or by contacting an insurance company directly. Online insurance quotes are faster to complete, but we always suggest having a professional set of eyes review everything before switching insurance companies. Most customers at KBD start by filling out an online quote and have it finalized over the phone with one of our brokers.
How do I lower the cost of my landlord insurance policy?
- Increase your deductible.
- Avoid making small claims.
- Keep up to date with renovations.
- Make sure your tenants carry their own Liability Insurance.
How to find the best building insurance for my rental property?
Shopping around and informing yourself is the best way to save money on your landlord insurance. Research landlord insurance companies in Montreal like Desjardins or Sonnet, and speak to a business insurance broker like KBD.
Does KBD offer landlord insurance quotes online?
Yes. Building insurance quotes generally take 3-4 minutes to complete.
How does a commercial insurance broker help get cheap landlord insurance quotes?
One call to us means quotes from multiple insurance companies. Most of our landlord clients are insured with Intact or Lloyd’s.
Thanks Matt for being so helpful in setting me up with car insurance. All my questions were answered, and the rates are great. I appreciate your help and for making this part of my purchase so easy.