Get your online house insurance quote in Quebec

KBD is a Quebec home insurance broker with 40+ years of experience in the industry.

We provide clients with the best residential  insurance by making the process simple, quick and affordable.

Compare prices among top insurers
Home insurance
coverage we offer
Fire insurance

Subject to a deductible, all of our home insurance policies include coverage from fire.

Water and flood insurance

Water and flood insurance claims are super common. This endorsement is subject to a deductible.

Liability insurance

Covers the owner and individuals of the household in the event someone causes third-party damage.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a quick homeowners insurance quote online today

Quebec residential insurance FAQs

What is the first step to consider when buying residential insurance in Quebec?

The first step is to take stock of what you have in order to determine what type of coverage you need. Make an inventory of your personal belongings so you can calculate the value of your contents. Take note of any particularly valuable items, such as jewelry or expensive wines.

From there, you can choose your coverage. And this is where working with a home insurance broker comes in handy as they’ll help you make the right decision. 

The big required coverages should protect you from:

  • Fire
  • Water
  • Hail & wind
  • Theft 
  • Vandalism

Next, you should collect at least 3 home insurance quotes. Shop around to find the best price. Then, finalize your purchase and set up a payment plan.

Is KBD a Quebec home insurance broker?

Damn straight!

We offer residential property insurance to homeowners all over Quebec. Being a broker means we’re not tied to one insurance company. We can shop the market and score you the best deal. 

Here are some home insurers we can place you with:

  • Intact 
  • Economical
  • L’Unique

Being a broker also means we collect 20% commission off the policy price.

What is high value home insurance?

Frankly, this type of insurance is designed for the wealthy. It applies to homes worth more than $1 million in rebuilding costs. 

KBD offers high value home insurance in Quebec through Intact Insurance’s custom coverage, known as Intact Prestige.

How do I compare home insurance quotes in Quebec?

Call or go online to get in touch with direct insurance companies or brokers. We suggest gathering at least 3 quotes before finalizing any policy.

Make sure to give each company the exact same information about your home. If you give two companies two different numbers for, let’s say, your home’s reconstruction value, your two quotes won’t be comparable.

Here are some companies you can get a home insurance quote from:

  • KBD (Providers include Intact, Economical, and l’Unique)
  • Desjardins 
  • Belair
  • La Capitale

Does Quebec home insurance cover tornadoes?

Yes! Damages caused by a tornado are automatically covered as part of the standard Quebec home insurance policy.

How much home insurance do I need in Quebec?

The amount of home insurance you need is based on the following:

  • Square footage (of the home, not the land)
  • How many bathrooms?
  • Siding material: Brick, aluminum, wood, or stone
  • And some others

Run the most accurate numbers you can by your insurance company, and they’ll determine how much home insurance you need in terms of reconstruction cost.

Does KBD offer home based business insurance in Quebec?

Yes, people that work at home can extend their home insurance to reach work-related items. And you don’t need to sign up for a whole new policy. We can add on a commercial general liability (CGL) as well as business contents extension to almost any home insurance policy.

This policy is designed to cover liability and the business contents you have at home. 

What we can’t do is offer professional liability insurance on a house insurance policy. If you offer a service, professional liability would cover things such as your clients’ financial loss resulting from your mistakes. This “home based business” add-on is not designed to cover your entire business operation you happen to be running out of your basement rather than an office space.

Do I need home insurance if my house is paid off?

Not required, but highly recommended.

You might be tempted to give up your home insurance once you’ve finished paying your mortgage and your bank no longer requires it. Plus, unlike car insurance, there’s no law forcing you to carry a policy for your house.

Still, your home is more than likely the most expensive (and most cherished) asset you own. You should continue to protect it even when you’re no longer required. If you really want to cut on insurance costs, consider increasing your deductible and reducing coverage. 

What are the five basic areas of coverage on a Quebec homeowners insurance policy?

A standard Quebec residential insurance policy can be broken into 5 sections:

Liability: Protects you if you cause bodily injury or property damage to a third party. 

Dwelling: Insurance for the home itself; the building.

Personal property: Coverage for your stuff; furniture, appliances, expensive items.

Detached private structures: If you own a shed or a detached garage.

Additional living expenses: In the event of a claim, pays for costs that are OVER AND ABOVE your day-to-day costs.

Does Quebec home insurance cover mold?

No. Mold is an exclusion on all Quebec home insurance policies.

Can you insure a house you don't live in?

That depends.

It comes down to insurable interest; do you have money tied up in the asset, and will you suffer financial loss if something happens to it?

If you do, you’re likely to be able to insure the home.

If you don’t live in the home — it’s rented or vacant — but it’s in your name, you can insure it.

If you don’t live in the home AND it’s not in your name, you may not insure that property.

Does KBD offer discounts for mortgage free home insurance?

We sure do. People that have paid off their mortgage are eligible for a discount between 5-15%.

The best part? At KBD, we really don’t know why that is! All the residential insurance companies we work with do it, including Intact, Economical, and L’Unique. And honestly, we don’t understand it.

We suggest you don’t bother finding out why, and just take the win.

What type of water damage is covered by homeowners insurance in Quebec?

Quebec residents should carry the following coverage on their policy:

  • Above ground water (Entering through the roof)
  • Overland water (Flooding; about 90% of Quebec residents are eligible. Check your updated flood maps.)
  • Ground water & sewer backup (Entering through the foundation or water backing up from sewers)

It’s important to note that in all cases, the damage has to be sudden and accidental for your insurance to cover it. A crack behind the wall that’s invisible to the naked eye that exposes a slow drip and creates mold over years? Unfortunately, not covered.

How do I claim home insurance for water damage in Quebec?

Assuming water coverage exists on your policy, you should call your insurance company’s 24/7 claims centre as soon as possible.

Once you discover the damage, you have two options, depending on the urgency of the situation.

  1. In cases where you need immediate help to mitigate damage to your home, you should call an emergency clean-up crew right away. Keep the bill and give it to your insurance company so they can reimburse you.
  2. If the damage is less time sensitive, call your home insurance company first. They’ll arrange for a claims adjuster to visit your home and assess the damage. Then, if necessary, the claims adjuster will coordinate an appointment with a general contractor to repair the damage.

How do I get a discount on my home insurance?

Here are some discounts you may qualify for:

  • Retired discount
  • Home & car bundle discount
  • Occupational discount
  • Claims free discount
  • Mortgage free discount
  • Good credit score discount

Is home insurance cheaper in Quebec than Ontario?

We’re proud to say it is.

Quebec is the province with the lowest average home insurance cost in all of Canada. The same applies for car insurance.

Vive la belle province!

What's the best home insurance company in Quebec?

 

That’s an impossible question to answer because it’s subjective.

What might be the ‘best’ home insurance for one person may not be the best for someone else.

According to a J.D. Power 2018 study, The Personal was rated highest in overall customer satisfaction in Quebec. La Capitale placed second and Intact placed third.

How do I find vacant or unoccupied home insurance in Quebec?

Give KBD a call.

We offer vacant home insurance mainly through Intact. Be prepared to pay a premium 50-100% higher than a standard home insurance policy — and don’t expect to be covered for water damage.

Why? Vacant homes are easy targets. Both for water-related home damage and for theft or vandalism.

Does my age affect the home insurance cost?

You bet!

Insurance companies follow the data. And the data says that, assuming identical conditions, younger people cost more to them than do older people. So your insurance costs reflect that.

As an example, a 60 year old will pay roughly 15-20% lower premiums than a 30 year old on the identical policy. The joys of getting older!

Is home insurance mandatory in Quebec?

Unlike car insurance, there’s no law forcing you to carry a policy for your home.

However, you won’t be able to get a mortgage with a major Canadian financial institution without one. A bank will typically require you to carry at least as much insurance as the value of your mortgage.

You’ll also need home insurance to get a line of credit wherein you’re using your home as collateral.

What is home insurance replacement cost?

Home insurance replacement cost is a method of determining how much an insurance company will pay out to cover a lost or damaged item.

According to IRMI, a risk management and insurance research firm, home insurance replacement cost is:

“The cost to replace the damaged property with materials of like kind and quality, without any deduction for depreciation. In other words, if your 2 year old TV gets stolen, the insurance company will give you a brand new TV as your indemnity, not another 2 year old TV.”

Not a bad deal.

Is it worth claiming for home insurance?

If it wasn’t, home insurance wouldn’t exist!

Of course, it always depends on the situation. We always say you should pay for smaller accidents out of pocket, as long as your financial situation allows for it.

Keep in mind that any time you make a claim, you have to pay the deductible. So if you’re submitting an $800 claim and you have to pay the first $500, is that worth it?

Since all claims stay on your record for a period of 5 years and will cause your premiums to go up, you should aim to make as few claims as possible.

Part of being a homeowner includes maintenance costs throughout the year. You shouldn’t use your insurance policy as your renovation budget.

What is the first step to consider when buying residential insurance in Quebec?

The first step is to take stock of what you have in order to determine what type of coverage you need. Make an inventory of your personal belongings so you can calculate the value of your contents. Take note of any particularly valuable items, such as jewelry or expensive wines.

From there, you can choose your coverage. And this is where working with a home insurance broker comes in handy as they’ll help you make the right decision. 

The big required coverages should protect you from:

  • Fire
  • Water
  • Hail & wind
  • Theft 
  • Vandalism

Next, you should collect at least 3 home insurance quotes. Shop around to find the best price. Then, finalize your purchase and set up a payment plan.

Does KBD offer discounts for mortgage free home insurance?

We sure do. People that have paid off their mortgage are eligible for a discount between 5-15%.

The best part? At KBD, we really don’t know why that is! All the residential insurance companies we work with do it, including Intact, Economical, and L’Unique. And honestly, we don’t understand it.

We suggest you don’t bother finding out why, and just take the win.

Is KBD a Quebec home insurance broker?

Damn straight!

We offer residential property insurance to homeowners all over Quebec. Being a broker means we’re not tied to one insurance company. We can shop the market and score you the best deal. 

Here are some home insurers we can place you with:

  • Intact 
  • Economical
  • L’Unique

Being a broker also means we collect 20% commission off the policy price.

What type of water damage is covered by homeowners insurance in Quebec?

Quebec residents should carry the following coverage on their policy:

  • Above ground water (Entering through the roof)
  • Overland water (Flooding; about 90% of Quebec residents are eligible. Check your updated flood maps.)
  • Ground water & sewer backup (Entering through the foundation or water backing up from sewers)

It’s important to note that in all cases, the damage has to be sudden and accidental for your insurance to cover it. A crack behind the wall that’s invisible to the naked eye that exposes a slow drip and creates mold over years? Unfortunately, not covered.

What is high value home insurance?

Frankly, this type of insurance is designed for the wealthy. It applies to homes worth more than $1 million in rebuilding costs. 

KBD offers high value home insurance in Quebec through Intact Insurance’s custom coverage, known as Intact Prestige.

How do I claim home insurance for water damage in Quebec?

Assuming water coverage exists on your policy, you should call your insurance company’s 24/7 claims centre as soon as possible.

Once you discover the damage, you have two options, depending on the urgency of the situation.

  1. In cases where you need immediate help to mitigate damage to your home, you should call an emergency clean-up crew right away. Keep the bill and give it to your insurance company so they can reimburse you.
  2. If the damage is less time sensitive, call your home insurance company first. They’ll arrange for a claims adjuster to visit your home and assess the damage. Then, if necessary, the claims adjuster will coordinate an appointment with a general contractor to repair the damage.

How do I compare home insurance quotes in Quebec?

Call or go online to get in touch with direct insurance companies or brokers. We suggest gathering at least 3 quotes before finalizing any policy.

Make sure to give each company the exact same information about your home. If you give two companies two different numbers for, let’s say, your home’s reconstruction value, your two quotes won’t be comparable.

Here are some companies you can get a home insurance quote from:

  • KBD (Providers include Intact, Economical, and l’Unique)
  • Desjardins 
  • Belair
  • La Capitale

How do I get a discount on my home insurance?

Here are some discounts you may qualify for:

  • Retired discount
  • Home & car bundle discount
  • Occupational discount
  • Claims free discount
  • Mortgage free discount
  • Good credit score discount

Does Quebec home insurance cover tornadoes?

Yes! Damages caused by a tornado are automatically covered as part of the standard Quebec home insurance policy.

Is home insurance cheaper in Quebec than Ontario?

We’re proud to say it is.

Quebec is the province with the lowest average home insurance cost in all of Canada. The same applies for car insurance.

Vive la belle province!

How much home insurance do I need in Quebec?

The amount of home insurance you need is based on the following:

  • Square footage (of the home, not the land)
  • How many bathrooms?
  • Siding material: Brick, aluminum, wood, or stone
  • And some others

Run the most accurate numbers you can by your insurance company, and they’ll determine how much home insurance you need in terms of reconstruction cost.

What's the best home insurance company in Quebec?

 

That’s an impossible question to answer because it’s subjective.

What might be the ‘best’ home insurance for one person may not be the best for someone else.

According to a J.D. Power 2018 study, The Personal was rated highest in overall customer satisfaction in Quebec. La Capitale placed second and Intact placed third.

Does KBD offer home based business insurance in Quebec?

Yes, people that work at home can extend their home insurance to reach work-related items. And you don’t need to sign up for a whole new policy. We can add on a commercial general liability (CGL) as well as business contents extension to almost any home insurance policy.

This policy is designed to cover liability and the business contents you have at home. 

What we can’t do is offer professional liability insurance on a house insurance policy. If you offer a service, professional liability would cover things such as your clients’ financial loss resulting from your mistakes. This “home based business” add-on is not designed to cover your entire business operation you happen to be running out of your basement rather than an office space.

How do I find vacant or unoccupied home insurance in Quebec?

Give KBD a call.

We offer vacant home insurance mainly through Intact. Be prepared to pay a premium 50-100% higher than a standard home insurance policy — and don’t expect to be covered for water damage.

Why? Vacant homes are easy targets. Both for water-related home damage and for theft or vandalism.

Do I need home insurance if my house is paid off?

Not required, but highly recommended.

You might be tempted to give up your home insurance once you’ve finished paying your mortgage and your bank no longer requires it. Plus, unlike car insurance, there’s no law forcing you to carry a policy for your house.

Still, your home is more than likely the most expensive (and most cherished) asset you own. You should continue to protect it even when you’re no longer required. If you really want to cut on insurance costs, consider increasing your deductible and reducing coverage. 

Does my age affect the home insurance cost?

You bet!

Insurance companies follow the data. And the data says that, assuming identical conditions, younger people cost more to them than do older people. So your insurance costs reflect that.

As an example, a 60 year old will pay roughly 15-20% lower premiums than a 30 year old on the identical policy. The joys of getting older!

What are the five basic areas of coverage on a Quebec homeowners insurance policy?

A standard Quebec residential insurance policy can be broken into 5 sections:

Liability: Protects you if you cause bodily injury or property damage to a third party. 

Dwelling: Insurance for the home itself; the building.

Personal property: Coverage for your stuff; furniture, appliances, expensive items.

Detached private structures: If you own a shed or a detached garage.

Additional living expenses: In the event of a claim, pays for costs that are OVER AND ABOVE your day-to-day costs.

Is home insurance mandatory in Quebec?

Unlike car insurance, there’s no law forcing you to carry a policy for your home.

However, you won’t be able to get a mortgage with a major Canadian financial institution without one. A bank will typically require you to carry at least as much insurance as the value of your mortgage.

You’ll also need home insurance to get a line of credit wherein you’re using your home as collateral.

Does Quebec home insurance cover mold?

No. Mold is an exclusion on all Quebec home insurance policies.

What is home insurance replacement cost?

Home insurance replacement cost is a method of determining how much an insurance company will pay out to cover a lost or damaged item.

According to IRMI, a risk management and insurance research firm, home insurance replacement cost is:

“The cost to replace the damaged property with materials of like kind and quality, without any deduction for depreciation. In other words, if your 2 year old TV gets stolen, the insurance company will give you a brand new TV as your indemnity, not another 2 year old TV.”

Not a bad deal.

Can you insure a house you don't live in?

That depends.

It comes down to insurable interest; do you have money tied up in the asset, and will you suffer financial loss if something happens to it?

If you do, you’re likely to be able to insure the home.

If you don’t live in the home — it’s rented or vacant — but it’s in your name, you can insure it.

If you don’t live in the home AND it’s not in your name, you may not insure that property.

Is it worth claiming for home insurance?

If it wasn’t, home insurance wouldn’t exist!

Of course, it always depends on the situation. We always say you should pay for smaller accidents out of pocket, as long as your financial situation allows for it.

Keep in mind that any time you make a claim, you have to pay the deductible. So if you’re submitting an $800 claim and you have to pay the first $500, is that worth it?

Since all claims stay on your record for a period of 5 years and will cause your premiums to go up, you should aim to make as few claims as possible.

Part of being a homeowner includes maintenance costs throughout the year. You shouldn’t use your insurance policy as your renovation budget.

Find more great home insurance here

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