Protect your unit, belongings, and liability with coverage carefully matched to your building’s co-ownership requirements. With over 40 years of experience, KBD compares leading insurers to secure protection that truly fits your condo and your needs.
Smart condo insurance for smart property owners
In Quebec, your condo syndicate insures the building, while you’re responsible for your individual unit, upgrades, and liability.
At KBD, we help you secure coverage that meets co-ownership rules and fully protects what’s yours.
Compare prices among top insurers
Condo insurance coverage we provide in Quebec:
Condo liability insurance
Protects you if you accidentally cause damage to other units, common areas, or third parties.
Contents insurance
Covers your personal belongings, like furniture, electronics, clothing, and valuables against fire, theft, vandalism, and more.
Water damage coverage
Optional protection for losses caused by sewer backup or water entering from another unit - one of the most common condo claims in Quebec.
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Quebec condo insurance: Your questions answered
What information do I need to provide to get an accurate condo insurance quote in Quebec?
To generate an accurate condo insurance quote, you’ll typically need:
- Your full address and postal code
- The year the building was constructed
- Square footage of your unit
- The estimated value of your personal belongings
- Details about any renovations or upgrades you’ve made
- Your desired liability coverage limit
- A copy of your building’s declaration of co-ownership
Having this ready helps to ensure the quoted policy meets your condo syndicate’s requirements, preventing costly coverage gaps.
Ready to get insured?
How much does condo insurance cost in Quebec?
Condo owners pay an average of $692 per year in Quebec in 2026.
However, your premium depends on your unit size, location, upgrades, liability limits, and more.
We can get you a personalized quote in just a few minutes to see an estimated rate.
Does my condo insurance need to match my building’s declaration of co-ownership in Quebec?
Yes. In Quebec, your building’s declaration of co-ownership outlines what the syndicate insures and what you are personally responsible for.
Your policy should account for:
- Renovations or improvements inside your unit
- Your share of the syndicate’s deductible (loss assessment)
- Personal liability
- Contents and additional living expenses
If your coverage doesn’t align with the condo declaration, you could face significant out-of-pocket costs if a claim occurs.
A quick quote review ensures everything matches up properly. We can help with this.
How much condo insurance do I need?
Condo insurance coverage is personal and the protections and amounts needed will vary from person to person.
To find out how much condo insurance you need, we suggest the following:
- Write a list of all of your personal belongings and how much it would cost to replace them. This is called taking an inventory and will determine the dollar value of all your belongings.
- Ask for a copy of your condo association’s insurance policy so you can double check that there aren’t any specific coverages missing and find out how much the deductible is. In the event of a claim, the condo association’s deductible is divided evenly among all condo owners.
- Buy $2 million in civil liability. The standard for a Montreal condo insurance company is $1 million, but for a difference of only about $20 per year, you can insure for an extra $1 million. Worth it.
At KBD, we suggest our clients insure themselves for $2 million in civil liability.
Looking for condominium insurance?
What information do I need to provide to get an accurate condo insurance quote in Quebec?
To generate an accurate condo insurance quote, you’ll typically need:
- Your full address and postal code
- The year the building was constructed
- Square footage of your unit
- The estimated value of your personal belongings
- Details about any renovations or upgrades you’ve made
- Your desired liability coverage limit
- A copy of your building’s declaration of co-ownership
Having this ready helps to ensure the quoted policy meets your condo syndicate’s requirements, preventing costly coverage gaps.
Ready to get insured?
Does my condo insurance need to match my building’s declaration of co-ownership in Quebec?
Yes. In Quebec, your building’s declaration of co-ownership outlines what the syndicate insures and what you are personally responsible for.
Your policy should account for:
- Renovations or improvements inside your unit
- Your share of the syndicate’s deductible (loss assessment)
- Personal liability
- Contents and additional living expenses
If your coverage doesn’t align with the condo declaration, you could face significant out-of-pocket costs if a claim occurs.
A quick quote review ensures everything matches up properly. We can help with this.
How much does condo insurance cost in Quebec?
Condo owners pay an average of $692 per year in Quebec in 2026.
However, your premium depends on your unit size, location, upgrades, liability limits, and more.
We can get you a personalized quote in just a few minutes to see an estimated rate.
How much condo insurance do I need?
Condo insurance coverage is personal and the protections and amounts needed will vary from person to person.
To find out how much condo insurance you need, we suggest the following:
- Write a list of all of your personal belongings and how much it would cost to replace them. This is called taking an inventory and will determine the dollar value of all your belongings.
- Ask for a copy of your condo association’s insurance policy so you can double check that there aren’t any specific coverages missing and find out how much the deductible is. In the event of a claim, the condo association’s deductible is divided evenly among all condo owners.
- Buy $2 million in civil liability. The standard for a Montreal condo insurance company is $1 million, but for a difference of only about $20 per year, you can insure for an extra $1 million. Worth it.
At KBD, we suggest our clients insure themselves for $2 million in civil liability.
Looking for condominium insurance?