KBD partners with 30+ Canadian insurance companies in order to provide tailored coverages to clients for their personal insurance needs, including home, auto, tenant, and condo.
We specialize in providing personal insurance coverage to clients across the province of Quebec. Learn about the personal insurance coverages that apply to you below.
The right home insurance coverage protects you from unexpected losses. Coverages like personal property insurance, liability, and additional living expenses help secure your home and finances.
Get to know the main and optional home insurance coverages below.
Subject to a deductible, property (also known as dwelling) coverage protects the physical structure of your home from non-liability-based damage. It covers your house and any outbuildings in the event of a claim related to fire, theft, or certain storms, ensuring you have financial coverage if the unexpected happens.
Also referred to as contents insurance, this provides coverage when you suffer losses or damages to your personal belongings, such as furniture, appliances, electronics, and clothing. It can also cover contents stored outside of the home, for instance, a laptop stolen from your vehicle. This coverage is also subject to a deductible.
Liability coverage is a key part of a comprehensive home insurance policy. If someone is injured on your property and you’re sued or found liable, this aspect of your insurance coverage helps cover medical expenses, legal fees, and related costs, protecting you from a potentially major financial loss.
This protection covers additional living expenses if your insured home is found temporarily uninhabitable due to a covered loss. It reimburses certain costs like rent, hotel stays, and meals, as well as increased commuting expenses during the time repairs are completed up to policy limits.
This covers water damage from natural flooding, such as from sudden weather related events (overflowing sewers or drainage systems), typically excluded from standard policies, which covers water leaks and bursts in the home.
This coverage is set up to pay more than the policy limit set under your property/dwelling coverage, covering you if rebuilding costs exceed the quoted costs.
Equipment breakdown coverage covers the repair or replacement of heating, plumbing, or electrical systems in the home.
This covers the cost to remove and repair a damaged private water service pipe connected to your home from the city water main.
This coverage provides repair or replacement costs of an above ground or semi-inground spa, pool and its associated equipment.
Depending on your needs, you may want to consider additional home coverages, such as:
Speak with a broker who can advise on the appropriate additional coverages to ensure that your home is adequately covered.
This coverage protects against damage from earthquakes, which standard policies usually exclude. Depending on your location, this additional coverage may be advised.
When sudden, accidental leaks or bursts occur within the home, this helps manage repair costs, providing financial protection for damages caused by specific water-related incidents. Speak with your broker about specific coverages, as some events such as overland water flooding are not automatically included in standard policies.
This coverage pays to repair or rebuild damaged or destroyed structures on your property that are not physically connected to your home, such as a detached garage, a storage shed, etc.
This protection covers repair or replacement costs of an inground spa or pool and their associated equipment.
Pays for damage to your home and personal belongings caused by fire, smoke or an explosion after an earthquake.
This covers water damage from natural flooding, such as from sudden weather related events (overflowing sewers or drainage systems), typically excluded from standard policies, which covers water leaks and bursts in the home.
This coverage protects against damage from earthquakes, which standard policies usually exclude. Depending on your location, this additional coverage may be advised.
This coverage is set up to pay more than the policy limit set under your property/dwelling coverage, covering you if rebuilding costs exceed the quoted costs.
When sudden, accidental leaks or bursts occur within the home, this helps manage repair costs, providing financial protection for damages caused by specific water-related incidents. Speak with your broker about specific coverages, as some events such as overland water flooding are not automatically included in standard policies.
Equipment breakdown coverage covers the repair or replacement of heating, plumbing, or electrical systems in the home.
This coverage pays to repair or rebuild damaged or destroyed structures on your property that are not physically connected to your home, such as a detached garage, a storage shed, etc.
This covers the cost to remove and repair a damaged private water service pipe connected to your home from the city water main.
This protection covers repair or replacement costs of an inground spa or pool and their associated equipment.
This coverage provides repair or replacement costs of an above ground or semi-inground spa, pool and its associated equipment.
Pays for damage to your home and personal belongings caused by fire, smoke or an explosion after an earthquake.
Depending on your needs, you may want to consider additional home coverages, such as:
Speak with a broker who can advise on the appropriate additional coverages to ensure that your home is adequately covered.
Auto insurance is mandatory in the province of Quebec, and drivers must carry a minimum amount of liability coverage.
Get to know the mandatory and optional auto insurance coverages below.
Subject to a deductible, collision car insurance covers repair or replacement of your vehicle after an at-fault accident, including collisions with other vehicles or objects. This helps to significantly reduce out-of-pocket costs and restore your car to its pre-loss condition. Collision coverage is optional in Quebec, but may be required by the lender if you lease your vehicle.
Subject to a deductible, comprehensive car insurance covers repairs or replacement of your vehicle due to non-collision events such as fire, theft, vandalism, glass breakage, falling objects, or severe weather, helping protect drivers from unexpected losses beyond their control. Speak with your broker about the specific perils (risks) you're covered for.
Third-party liability car insurance covers you if you’re legally responsible for bodily injury or property damage to others, helping pay for legal defence, settlements, and claims resulting from an auto accident. This coverage is mandatory in Quebec, and drivers are required to carry at least $50,000 in civil liability coverage on their auto insurance policies.
Another mandatory coverage in Quebec is accident benefits. Quebec drivers are automatically covered for accident benefits insurance, which is paid into a pool when purchasing or renewing their government driver’s license. It provides financial compensation and support if an insured person is injured or killed in a car accident.
Standard car insurance pays the actual cash value of your vehicle at the time of a claim. Adding replacement cost coverage locks in the purchase value and covers the difference between actual cash value and the cost to replace the same vehicle. It’s more expensive, but provides significantly more coverage.
This coverage includes towing, battery jump-starts, fuel delivery, or lockout services if you need assistance while on the road.
This additional coverage prevents your premiums from rising after your first at-fault accident.
Rental car or transportation coverage covers costs of a rental car or other temporary transportation if your vehicle is in the shop after a covered loss.
This covers repair or replacement of windows and windshields if damages occur.
Although Quebec covers bodily injury through the SAAQ (accident benefits coverage), damage to your vehicle caused by an unidentified or uninsured driver isn’t automatically covered. This optional coverage helps pay for repairs without requiring collision coverage.
Speak with a broker about the appropriate additional coverages to include in your policy to ensure that you and your vehicle are adequately covered.
Standard car insurance pays the actual cash value of your vehicle at the time of a claim. Adding replacement cost coverage locks in the purchase value and covers the difference between actual cash value and the cost to replace the same vehicle. It’s more expensive, but provides significantly more coverage.
Rental car or transportation coverage covers costs of a rental car or other temporary transportation if your vehicle is in the shop after a covered loss.
This coverage includes towing, battery jump-starts, fuel delivery, or lockout services if you need assistance while on the road.
This covers repair or replacement of windows and windshields if damages occur.
This additional coverage prevents your premiums from rising after your first at-fault accident.
Although Quebec covers bodily injury through the SAAQ (accident benefits coverage), damage to your vehicle caused by an unidentified or uninsured driver isn’t automatically covered. This optional coverage helps pay for repairs without requiring collision coverage.
Speak with a broker about the appropriate additional coverages to include in your policy to ensure that you and your vehicle are adequately covered.
Condo insurance consists of two parts: the condo association master policy, and personal condo insurance, which covers the individual unit.
Get to know the essential and optional condo insurance coverages below.
This protects those listed on your policy if damage is accidentally caused to the building or common areas. Subject to a deductible, it covers repair and legal expenses for third-party claims. By law, condo co-owners are required to hold $1M - $2M in third-party liability insurance depending on the size of the building, and may be required to carry additional coverage by the condo association.
Personal property insurance protects your personal belongings against fire, theft, vandalism, and other damages. Subject to a deductible, it covers repair or replacement costs when damage or loss occurs within your condo unit. It can also provide coverage to your belongings if there’s a loss or damages while they’re stored somewhere like your vehicle, or a storage unit.
This covers renovations and upgrades you’ve added to your unit, like new flooring, custom cabinets, or countertops that aren’t included in the condo’s standard build. It ensures your additional investment into your space is protected if it’s damaged by an insured event, helping restore your unit to its upgraded condition.
This helps pay your share of large building-wide insurance deductibles or special assessments when the condo corporation’s policy doesn’t fully cover a major loss. This prevents unexpected financial strain from shared property damage and helps condo owners manage sudden costs that may arise from unexpected insured events affecting common areas.
This coverage protects your condo unit and belongings from flooding caused by heavy rainfall, melting snow, or overflowing lakes or rivers. It helps manage repair and replacement expenses when water enters from above ground-level sources.
This offers protection when your condo is made unfit for occupancy as a result of loss or damage caused to your insured property by an insured occurrence under the insurance policy.
This coverage protects your unit and belongings if water backs up through sewers, drains, or sump pumps. It helps cover cleanup, repairs, and replacement costs from this type of sudden, often expensive type of water damage.
Water damage insurance is a key coverage for condo owners. This provides protection if water enters your condo through backed-up drains, toilets, or sump pump failures. It helps cover cleanup, repairs, and damaged belongings when unexpected water issues cause costly damage to your condo unit. Be sure to speak with your broker about specific water-related damages, as certain types of flooding require specific coverages.
This option increases coverage limits for valuable belongings like jewelry, artwork, electronics, or collectibles. It ensures that high-value items receive adequate coverage, helping you recover their worth if they’re stolen, or damaged by an insured event. For instance, if you have an expensive watch, you can speak with your broker to ensure it’s protected by adding this coverage.
While uncommon, this optional coverage helps you recover from identity fraud by covering expenses like legal fees, lost wages, document replacement, and credit restoration services. It provides support and financial protection during the recovery process.
This coverage protects your condo unit and belongings from flooding caused by heavy rainfall, melting snow, or overflowing lakes or rivers. It helps manage repair and replacement expenses when water enters from above ground-level sources.
Water damage insurance is a key coverage for condo owners. This provides protection if water enters your condo through backed-up drains, toilets, or sump pump failures. It helps cover cleanup, repairs, and damaged belongings when unexpected water issues cause costly damage to your condo unit. Be sure to speak with your broker about specific water-related damages, as certain types of flooding require specific coverages.
This offers protection when your condo is made unfit for occupancy as a result of loss or damage caused to your insured property by an insured occurrence under the insurance policy.
This option increases coverage limits for valuable belongings like jewelry, artwork, electronics, or collectibles. It ensures that high-value items receive adequate coverage, helping you recover their worth if they’re stolen, or damaged by an insured event. For instance, if you have an expensive watch, you can speak with your broker to ensure it’s protected by adding this coverage.
This coverage protects your unit and belongings if water backs up through sewers, drains, or sump pumps. It helps cover cleanup, repairs, and replacement costs from this type of sudden, often expensive type of water damage.
While uncommon, this optional coverage helps you recover from identity fraud by covering expenses like legal fees, lost wages, document replacement, and credit restoration services. It provides support and financial protection during the recovery process.
The right tenant insurance coverage protects you from unexpected losses, and each tenant should be listed on the policy or carry their own insurance to be properly covered.
Get to know the essential and optional tenant coverage below.
As a tenant, liability coverage protects you if you accidentally damage your landlord’s building or property. Subject to a deductible, it helps cover repair costs and legal expenses, ensuring you aren’t personally responsible for unexpected third-party damage while renting your condo or apartment. In Quebec, landlords typically require tenants to carry $2M in liability coverage.
Subject to a deductible, condo contents coverage protects your personal belongings against fire, theft, vandalism, and other unexpected events. It helps cover repair or replacement costs, ensuring your belongings are financially protected if damage or loss occurs within your condo unit. It can also cover items stored elsewhere – for instance, in your car or storage unit.
Additional living expenses coverage helps pay for temporary housing, meals, and extra costs if your rental home becomes uninhabitable due to a covered loss. It provides financial coverage during displacement and allows you to maintain your standard of living while repairs are completed or until you can move back in.
Overland water and sewer backup coverage protects tenants from costly damage caused by sewer or overland water, helping cover repairs, cleanup, and replacement of belongings not included in standard policies.
If you have valuable items such as jewelry, art, or watches, enhanced contents coverage provides protection by increasing payout limits. This is designed to ensure costly items are fully replaced if lost, stolen, or damaged beyond standard policy limits.
Water and flood insurance for tenants protects your belongings and unit from damage caused by sudden leaks, burst pipes, or flooding. Subject to a deductible, it helps cover repair and replacement costs, offering peace of mind for renters. Speak to your broker about your coverages, as not all types of water damage are included in standard policies.
Earthquake coverage helps protect tenants from sudden, severe damage to belongings and living spaces, covering losses excluded from standard policies and providing financial coverage if there is damage to the unit.
Pet liability coverage protects tenants financially if their pet causes injury or property damage. It covers legal costs and claims that may exceed standard liability limits or be excluded.
Overland water and sewer backup coverage protects tenants from costly damage caused by sewer or overland water, helping cover repairs, cleanup, and replacement of belongings not included in standard policies.
Earthquake coverage helps protect tenants from sudden, severe damage to belongings and living spaces, covering losses excluded from standard policies and providing financial coverage if there is damage to the unit.
If you have valuable items such as jewelry, art, or watches, enhanced contents coverage provides protection by increasing payout limits. This is designed to ensure costly items are fully replaced if lost, stolen, or damaged beyond standard policy limits.
Pet liability coverage protects tenants financially if their pet causes injury or property damage. It covers legal costs and claims that may exceed standard liability limits or be excluded.
Water and flood insurance for tenants protects your belongings and unit from damage caused by sudden leaks, burst pipes, or flooding. Subject to a deductible, it helps cover repair and replacement costs, offering peace of mind for renters. Speak to your broker about your coverages, as not all types of water damage are included in standard policies.
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Simple! You can get a quote with KBD online, or by giving us a call. The process is easy: we’ll gather details about your personal insurance needs, and one of our brokers will review your information, discuss your coverage options, and provide you with a tailored quote.
We’ll ensure your insurance policy meets your specific requirements, while getting you the best price possible.
Looking for an insurance quote? Call us.
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. You choose your deductible amount when you purchase your policy.
Standard deductibles for personal insurance policies are often around $500 – $1000, but may increase depending on your specific requirements.
Choosing a higher deductible can lower monthly premiums, while a lower deductible will increase monthly costs but can reduce upfront costs in the event of a claim.
Deductibles are applied based on the specific claim and vary by policy type and insurer.
Looking for a home, auto, or tenant insurance quote? Call us.
Actual cash value coverage takes depreciation into account, which means it only covers the current value of the item.
In contrast, replacement cost coverage reimburses the full cost to repair or replace damaged property with new items, without factoring in depreciation.
Therefore, replacement cost provides more comprehensive protection, ensuring you can restore your property to its exact condition before the loss occurred.
Questions? Need a quote? Call us.
In Canada, certain coverages such as auto liability coverage are legally required. However, exact insurance requirements vary depending on the province you live in.
Optional coverages, such as home contents insurance, are not required by law but provide additional financial protection. In the case of home, condo, or tenant insurance, insurance is often required in order to get a mortgage or qualify for a lease.
While not always legally required, choosing additional optional coverages can be a good idea, as they safeguard your property, belongings, and finances beyond the minimum legal requirements.
Need a quote? Give us a call.
Reviewing your insurance coverages annually ensures your policies reflect the changes in your life, property, or business. It helps you to identify gaps, adjust coverage limits, and account for new risks.
Regular reviews keep you properly protected, avoiding unexpected financial burdens, and ensuring you’re paying for only the coverage you truly need.
We recommend reviewing your policy any time you make a major change. This includes things like renovations, adding an additional insured person to your auto policy, or operating a business from home.
Questions? Need an insurance quote? Call us.
Personal liability coverage protects you if you’re sued or held responsible for injury or property damage to others. It can cover legal fees, medical expenses, and damages awarded in a lawsuit.
Liability coverage applies in situations like injuries that occur on your property, or unintentional damage caused to someone else’s belongings.
Looking for an insurance quote? Call us.
Personal insurance policies often exclude losses from intentional acts, wear and tear, maintenance issues, acts of God, or acts of terror.
Some policies may also exclude high-risk activities, certain natural disasters like floods or earthquakes unless added separately, and business-related claims.
Understanding exclusions helps ensure you have the right coverages in place – that way, you can avoid any unwanted surprises in the event of a claim.
Questions about additional insurance coverages? Give us a call.
In general, you should consider adding endorsements or extra coverage when you acquire valuable items, take on new risks, start a home-based business, or experience lifestyle changes.
These additions ensure your insurance fully protects against specific exposures not covered by standard policies.
Looking for insurance coverage? Call us.
Simple! You can get a quote with KBD online, or by giving us a call. The process is easy: we’ll gather details about your personal insurance needs, and one of our brokers will review your information, discuss your coverage options, and provide you with a tailored quote.
We’ll ensure your insurance policy meets your specific requirements, while getting you the best price possible.
Looking for an insurance quote? Call us.
Reviewing your insurance coverages annually ensures your policies reflect the changes in your life, property, or business. It helps you to identify gaps, adjust coverage limits, and account for new risks.
Regular reviews keep you properly protected, avoiding unexpected financial burdens, and ensuring you’re paying for only the coverage you truly need.
We recommend reviewing your policy any time you make a major change. This includes things like renovations, adding an additional insured person to your auto policy, or operating a business from home.
Questions? Need an insurance quote? Call us.
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. You choose your deductible amount when you purchase your policy.
Standard deductibles for personal insurance policies are often around $500 – $1000, but may increase depending on your specific requirements.
Choosing a higher deductible can lower monthly premiums, while a lower deductible will increase monthly costs but can reduce upfront costs in the event of a claim.
Deductibles are applied based on the specific claim and vary by policy type and insurer.
Looking for a home, auto, or tenant insurance quote? Call us.
Personal liability coverage protects you if you’re sued or held responsible for injury or property damage to others. It can cover legal fees, medical expenses, and damages awarded in a lawsuit.
Liability coverage applies in situations like injuries that occur on your property, or unintentional damage caused to someone else’s belongings.
Looking for an insurance quote? Call us.
Actual cash value coverage takes depreciation into account, which means it only covers the current value of the item.
In contrast, replacement cost coverage reimburses the full cost to repair or replace damaged property with new items, without factoring in depreciation.
Therefore, replacement cost provides more comprehensive protection, ensuring you can restore your property to its exact condition before the loss occurred.
Questions? Need a quote? Call us.
Personal insurance policies often exclude losses from intentional acts, wear and tear, maintenance issues, acts of God, or acts of terror.
Some policies may also exclude high-risk activities, certain natural disasters like floods or earthquakes unless added separately, and business-related claims.
Understanding exclusions helps ensure you have the right coverages in place – that way, you can avoid any unwanted surprises in the event of a claim.
Questions about additional insurance coverages? Give us a call.
In Canada, certain coverages such as auto liability coverage are legally required. However, exact insurance requirements vary depending on the province you live in.
Optional coverages, such as home contents insurance, are not required by law but provide additional financial protection. In the case of home, condo, or tenant insurance, insurance is often required in order to get a mortgage or qualify for a lease.
While not always legally required, choosing additional optional coverages can be a good idea, as they safeguard your property, belongings, and finances beyond the minimum legal requirements.
Need a quote? Give us a call.
In general, you should consider adding endorsements or extra coverage when you acquire valuable items, take on new risks, start a home-based business, or experience lifestyle changes.
These additions ensure your insurance fully protects against specific exposures not covered by standard policies.
Looking for insurance coverage? Call us.
