At KBD, we help homeowners in Montreal and across Quebec find coverage that fits their property and budget. Our brokers work with leading insurers to secure home insurance for residential properties including primary residences, cottages, and seasonal homes.
Online home insurance quotes, paired with expert advice
KBD is a Montreal-based home insurance broker bringing 40+ years of expertise to our clients.
We compare home insurance quotes in Quebec and get you the best coverage and rates.
Compare prices among top Quebec home insurers
We compare coverage and pricing from Canada’s top home insurance providers to find the best option for your property.
Home insurance coverage we offer:
Fire insurance
Subject to a deductible, all of our home insurance policies include coverage from fire-related damages.
Water and flood insurance
Water damage claims are common. This optional endorsement helps protect your property from certain losses.
Liability insurance
Covers homeowners and household members if they cause damage or injury to a third party.
Our clients say it best
See more than 500 5-star reviews onLeah 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.”
Speak with your dedicated home insurance broker today
Home insurance in Quebec: Your questions answered
How can I get the cheapest home insurance in Quebec while still having the right coverage?
If you’re shopping for home insurance in Quebec, the goal isn’t just to get the lowest price — it’s getting the right protection for your home at a competitive rate.
Here are a few smart ways to find the cheapest home insurance in Quebec without sacrificing coverage:
- Compare multiple insurers: A broker can compare home insurance quotes Quebec from several providers at once to help you find the best value.
- Bundle your policies: Combining home and auto insurance Quebec with the same insurer can unlock significant discounts.
- Choose the right deductible: A higher deductible can lower your premium.
- Update your home systems: Renovated plumbing, electrical, or roofing can reduce risk and help lower rates.
- Maintain a clean claims history: Avoiding small claims can help keep your premiums lower over time.
Start by comparing Quebec home insurance quotes to see which insurers offer the best coverage and price for your situation.
What coverage should I consider when buying home insurance in Quebec?
When purchasing home insurance in Quebec, it’s important to understand what your policy actually protects.
Most Quebec home insurance policies include:
- Dwelling coverage: Protects the structure of your home from events like fire, storms, and certain types of water damage.
- Personal property coverage: Covers belongings such as furniture, electronics, and clothing if they’re damaged or stolen.
- Personal liability coverage: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses: Covers temporary housing and living costs if your home becomes uninhabitable after a covered loss.
Home insurance companies offer different coverage limits, add-ons, and pricing.
Comparing policies can help you find the best home insurance in Quebec for your property and budget.
How much is home insurance in Quebec?
The average cost of house insurance in Quebec is around $2,088 in 2026.
However, several factors influence individual home insurance costs for Quebecers:
- Home value and rebuild cost: Larger or higher-value homes cost more to insure.
- Location: Local weather risks, crime rates, and proximity to fire services can affect pricing.
- Age of the home: Older homes may have higher premiums due to increased risk.
- Construction materials: Brick, concrete, or fire-resistant materials can lower risk compared to wood structures.
- Claims history and deductible: Your insurance history and chosen deductible impact pricing.
The best way to know how much insurance will cost for your home is to request a personalized Quebec home insurance quote.
What information do I need to get a home insurance quote in Quebec?
Getting home insurance quotes in Quebec is quick, and most homeowners already have the information needed in hand.
Here’s what the team at KBD will typically ask for when preparing a Quebec home insurance quote:
- Personal details: Name, date of birth, and address.
- Property information: Year built, construction type, square footage, and major renovations.
- Home systems: Age of the roof, plumbing, electrical, and heating systems.
- Security features: Alarm systems, monitored security, or fire protection features.
- Insurance history: Previous claims and your current insurance provider (if applicable).
Don’t worry if you don’t have every detail ready — you can still start your home insurance quote and update information as needed.
How can I get the cheapest home insurance in Quebec while still having the right coverage?
If you’re shopping for home insurance in Quebec, the goal isn’t just to get the lowest price — it’s getting the right protection for your home at a competitive rate.
Here are a few smart ways to find the cheapest home insurance in Quebec without sacrificing coverage:
- Compare multiple insurers: A broker can compare home insurance quotes Quebec from several providers at once to help you find the best value.
- Bundle your policies: Combining home and auto insurance Quebec with the same insurer can unlock significant discounts.
- Choose the right deductible: A higher deductible can lower your premium.
- Update your home systems: Renovated plumbing, electrical, or roofing can reduce risk and help lower rates.
- Maintain a clean claims history: Avoiding small claims can help keep your premiums lower over time.
Start by comparing Quebec home insurance quotes to see which insurers offer the best coverage and price for your situation.
How much is home insurance in Quebec?
The average cost of house insurance in Quebec is around $2,088 in 2026.
However, several factors influence individual home insurance costs for Quebecers:
- Home value and rebuild cost: Larger or higher-value homes cost more to insure.
- Location: Local weather risks, crime rates, and proximity to fire services can affect pricing.
- Age of the home: Older homes may have higher premiums due to increased risk.
- Construction materials: Brick, concrete, or fire-resistant materials can lower risk compared to wood structures.
- Claims history and deductible: Your insurance history and chosen deductible impact pricing.
The best way to know how much insurance will cost for your home is to request a personalized Quebec home insurance quote.
What coverage should I consider when buying home insurance in Quebec?
When purchasing home insurance in Quebec, it’s important to understand what your policy actually protects.
Most Quebec home insurance policies include:
- Dwelling coverage: Protects the structure of your home from events like fire, storms, and certain types of water damage.
- Personal property coverage: Covers belongings such as furniture, electronics, and clothing if they’re damaged or stolen.
- Personal liability coverage: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses: Covers temporary housing and living costs if your home becomes uninhabitable after a covered loss.
Home insurance companies offer different coverage limits, add-ons, and pricing.
Comparing policies can help you find the best home insurance in Quebec for your property and budget.
What information do I need to get a home insurance quote in Quebec?
Getting home insurance quotes in Quebec is quick, and most homeowners already have the information needed in hand.
Here’s what the team at KBD will typically ask for when preparing a Quebec home insurance quote:
- Personal details: Name, date of birth, and address.
- Property information: Year built, construction type, square footage, and major renovations.
- Home systems: Age of the roof, plumbing, electrical, and heating systems.
- Security features: Alarm systems, monitored security, or fire protection features.
- Insurance history: Previous claims and your current insurance provider (if applicable).
Don’t worry if you don’t have every detail ready — you can still start your home insurance quote and update information as needed.