KBD is a home insurance broker trusted by 30,000+ clients in Quebec for over 40 years. Thorough, transparent, and accurate in Montreal and across the province. Protect your Montreal home with coverage tailored to your property and needs.
The right home insurance coverage at the right price
As a Montreal-based insurance broker, KBD compares leading Canadian insurers to help you find coverage that truly fits your property.
Coverage for primary residences, cottages, or seasonal homes. We make sure nothing is overlooked.
Compare prices among top insurers
Home insurance coverage we offer in Montreal:
Fire insurance
Protection for your home and belongings against fire, smoke, and related damage.
Water and flood insurance
Optional coverages for common claims such as water damage, sewer backup, and overland flooding.
Liability insurance
Financial protection in the event someone accidentally causes third-party damage.
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Get a quick homeowners insurance quote online today
Your Montreal home insurance questions answered
What information do I need to have to get a home insurance quote quickly?
When you call us or request a quote online, you’ll typically be asked to provide:
- Owner details: Names and dates of birth of all property owners.
- Property information: The address, the year the home was built, and whether it’s a primary residence, cottage, or rental.
- Construction and heating details: Exterior materials, the type of heating system, and any secondary heat sources.
- Insurance and claims history: Your previous insurer if applicable, past claims, and any policy cancellations or lapses.
- Mortgage lender information: Required if the property is financed, so the lender can be listed on the policy.
Having this information ready helps ensure faster quotes and more accurate pricing.
Ready to get your home insured?
What’s included in a standard home insurance policy?
Most homeowners insurance policies are designed to cover the following:
- Your home (the physical building)
- Any detached structures (garage, shed, outbuildings, etc.)
- Your personal belongings (furniture, electronics, etc.)
- Additional living expenses if you must leave your home after a covered claim occurs
- Civil liability coverage for damage or injury to others
Coverage limits and optional coverages vary by the insurer. We help ensure your coverage reflects your home’s true rebuild value and risk exposure.
Let’s get your Montreal home insured today.
How much will home insurance cost me in Montreal, and what affects the price?
Home insurance in Quebec costs about $2,088 per year on average as of 2026, but the price of your policy can vary depending on several factors.
Across the province, insurers consider things like your home’s age, construction type, claims history, and your credit profile.
For homeowners in Montreal, your neighbourhood, proximity to fire services, and risks such as sewer backup or flooding in certain areas can also influence the cost.
Because every property is different, the best way to find an accurate rate is to get a personalized quote.
We compare top Canadian insurance providers to help you find competitive pricing and the right coverage for your Montreal home.
How can I lower my home insurance cost in Montreal, without reducing important coverage?
A few ways to ensure you’re getting the best price on your home insurance premium is by reducing risk and choosing coverage options that insurers reward with discounts.
Several common ways to save include:
- Choose a higher deductible: This can lower your monthly premium.
- Avoid small claims: Frequent minor claims on your file can increase future premiums.
- Install water-damage protection: Sump pumps, backwater valves, or auto shut-off systems can reduce risk.
- Add monitored alarms: Installing fire or burglary alarms may qualify you for discounts.
- Bundle home and auto insurance: Insuring multiple policies with one provider can unlock multi-policy savings.
We’ll help you identify which savings options apply to your home and situation.
Need Montreal home insurance?
What information do I need to have to get a home insurance quote quickly?
When you call us or request a quote online, you’ll typically be asked to provide:
- Owner details: Names and dates of birth of all property owners.
- Property information: The address, the year the home was built, and whether it’s a primary residence, cottage, or rental.
- Construction and heating details: Exterior materials, the type of heating system, and any secondary heat sources.
- Insurance and claims history: Your previous insurer if applicable, past claims, and any policy cancellations or lapses.
- Mortgage lender information: Required if the property is financed, so the lender can be listed on the policy.
Having this information ready helps ensure faster quotes and more accurate pricing.
Ready to get your home insured?
How much will home insurance cost me in Montreal, and what affects the price?
Home insurance in Quebec costs about $2,088 per year on average as of 2026, but the price of your policy can vary depending on several factors.
Across the province, insurers consider things like your home’s age, construction type, claims history, and your credit profile.
For homeowners in Montreal, your neighbourhood, proximity to fire services, and risks such as sewer backup or flooding in certain areas can also influence the cost.
Because every property is different, the best way to find an accurate rate is to get a personalized quote.
We compare top Canadian insurance providers to help you find competitive pricing and the right coverage for your Montreal home.
What’s included in a standard home insurance policy?
Most homeowners insurance policies are designed to cover the following:
- Your home (the physical building)
- Any detached structures (garage, shed, outbuildings, etc.)
- Your personal belongings (furniture, electronics, etc.)
- Additional living expenses if you must leave your home after a covered claim occurs
- Civil liability coverage for damage or injury to others
Coverage limits and optional coverages vary by the insurer. We help ensure your coverage reflects your home’s true rebuild value and risk exposure.
Let’s get your Montreal home insured today.
How can I lower my home insurance cost in Montreal, without reducing important coverage?
A few ways to ensure you’re getting the best price on your home insurance premium is by reducing risk and choosing coverage options that insurers reward with discounts.
Several common ways to save include:
- Choose a higher deductible: This can lower your monthly premium.
- Avoid small claims: Frequent minor claims on your file can increase future premiums.
- Install water-damage protection: Sump pumps, backwater valves, or auto shut-off systems can reduce risk.
- Add monitored alarms: Installing fire or burglary alarms may qualify you for discounts.
- Bundle home and auto insurance: Insuring multiple policies with one provider can unlock multi-policy savings.
We’ll help you identify which savings options apply to your home and situation.
Need Montreal home insurance?