Our value added for home owners, condo owners and renters.

1

Replacement cost on your home and your personal belongings.

2

Liability insurance that covers you worldwide.

3

24/7 claims service — we're there when the unexpected happens.

Coverage available for:

KBD Insurance

Homeowners

KBD Insurance

Condo owners

KBD Insurance

Tenants

KBD Insurance

Chalets

KBD Insurance

Landlords

The insurance industry is evolving, and so are we.

KBD offers a specialty market for homeowners to help insure a wider variety of risks.

Is your situation more specific or niche? We also cover:

KBD Insurance

Airbnb homes

KBD Insurance

Homes rented on a short term basis

KBD Insurance

Cancellation non-payment

KBD Insurance

Criminal record

KBD Insurance

Out of province homeowners

Home Insurance

Do I have to call to receive a quote from KBD Insurance?

Absolutely not! If you are reading this now, then chances are you also notice the widget following you around on this page. You can fill out a “quick quote” through Intact Insurance, which will ask you a few short questions that pertain to your situation. It will give you a rough estimate, and one of our staff members will be in contact with you shortly so that we can review the protections and price. You can also call us directly at 514-636-0002.

Why is home insurance important?

If you are like the vast majority of Canadians, then your home is one of your biggest assets. Our insurance brokerage offers an all risk insurance package that will protect your most valued asset against the most common insurance perils. The important protections that we offer to all KBD clients are the following:

  • Fire
  • Wind/hail
  • Water Damage
  • Vandalism
  • Theft
  • Explosion
  • Smoke

How can I save money on my home insurance?

There are many factors that go into determining the cost of your home insurance. This “recipe” has changed over the last 10 years, and will continue to do so moving forward! Here are our main tips to help keep your house insurance as affordable as possible.

  • Keep up with your home maintenance – owning a home or a condo is a big responsibility, and it’s normal for things to deteriorate over time. Keeping up with renovations and repairs will help prevent insurance claims as well as add value to your home in the event that you have plans to re-sell it.
  • Combine your home and car insurance with the same company – KBD Insurance can help bundle all your insurance policies in one place, which will help you save money, reduce your deductibles on claims as well as help keep your files more organized, as we can be your one stop shop for everything insurance related.
  • Consider increasing your deductibles – If you’ve never had a residential claim in the 20 years of home ownership and your deductible is $300, then we definitely suggest increasing your deductible to at least $1,000. The deductible is the portion that you pay out of pocket before the insurance company pays the remainder; the higher your deductible, the less you pay in premiums.
  • Preventative Water Damage devices – Water damage has become one of the most “popular” claims in Quebec over the past 5 years. By installing mechanisms like a back-water valve, French drain, Sump-pump, or automatic water shut off system, you will definitely help prevent damage from occurring to your home.

What can I do to ensure my claim is handled smoothly?

We always recommend on keeping records of everything that you own. Yes, we fully understand that you are not going to have a receipt for that couch you purchased 10 years ago, but keeping a file with all the pictures of your belongings will help ensure a smooth claims process and that you are indemnified (insurance pays you your money) as quickly as possible.

Are my valuables covered on your standard insurance policy?

As you probably know, we place many of our home insurance clients with Intact Insurance. Generally speaking, limitations in the amount of $5,000 are placed on high valued art, jewelry, furs, stamp collections, etc. in the event of a theft claim. We do however offer a VIP package that can insure certain items and/or high valued collections up to an amount of $100,000. Call us today to speak with one of our brokers if this package is of interest or if you require further information.

Does my credit score affect my home insurance premium?

This may seem like an odd question, but yes, your credit score does affect your insurance premium. In short, actuarial data suggests that clients with good credit scores claim less, and hence receive a lower premium cost on their house, condo or tenant/renter’s insurance.

If I am a renter, do I still need insurance?

Absolutely. Everybody knows that insurance covers your personal belongings in the event of a fire or water event, but most people don’t know that it also covers you for liability i.e. you cause damage to a third party. If you rent out an apartment, and you accidentally start a fire that causes significant damage to the building you live in, you will be held liable. In fact, most landlords will require you to have tenant insurance in the amount of $1,000,000. For the small monthly cost, it’s definitely worth it to purchase a renter’s insurance policy.

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