Get your online tenant insurance quote in Quebec

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

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

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Tenant insurance
coverage we offer
Tenant liability insurance

Provides coverage if you accidentally cause damage to your landlord’s building.

Contents coverage

Subject to a deductible, we insure your stuff in the event of a fire, theft and much more.

Water & flood insurance

Water & flood Insurance claims are very common in Quebec, especially among those living in a basement unit.

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 renters insurance quote today

Quebec apartment insurance FAQs

Is tenant insurance mandatory in Quebec?

No, tenant insurance is not mandatory. Still, many landlords will require it as part of your lease. So while there’s no law forcing Quebec lessees to carry rental insurance, landlords are allowed to require it as stipulation for renting their property.

How much is tenant insurance in Quebec?

The average cost of tenant insurance in Quebec is $320/year when you take a $500 deductible. That breaks down to $27/month.

What is renters insurance good for in Quebec?

A lot!

But we can simplify it into two things: Protecting your stuff and saving your ass.

Here are the two main coverages a renters insurance policy will include.

Contents: Protect your personal belongings in the event of theft or damage from fire or water.

Liability: Covers damage you do to your landlord’s property. If, for example, you accidentally start a fire, the landlord can sue you for compensation. (This is known as subrogation.) Liability insurance can pay those hefty bills. So even if you own no valuables, liability is a good coverage to have.

Will my tenant insurance go up after a claim?

Yes. Every claim you make stands to raise your future rates.

By how much? That’s impossible to say. It depends on many factors, but a good guess is between 25% and 50%.

Do I need apartment insurance if I live with a friend?

Whether you live with someone or not, renters insurance is not mandatory, but it’s strongly encouraged.

You can share a policy (and split costs) or each have your own rental insurance.

What is a good deductible for renters insurance?

We suggest taking a deductible of either $500 or $1,000 on your tenant insurance policy. A deductible is the amount you pay out of pocket before the insurance company pays the rest.

Does renters insurance cover water damage from a toilet?

Yes, but only if the leak damages your stuff. If the water damage occurs to a part of the building like a carpet, then it’s up to the landlord to either fix it themselves or claim with their own insurance company.

However, if a claims adjuster determines the water damage occurred as a result of the tenant’s negligence, the tenant could be liable to cover the costs.

Who should pay for renters insurance?

You, the renter!

Even if you had no intention of getting insurance and only did so to satisfy the landlord’s lease requirements. The policy is paid by the person with insurable interest, meaning if damages were to occur, that person would suffer financial loss.

Can a landlord ask for tenant insurance?

Yes they can. Tenants have many rights themselves, and it is within the landlords’ rights to require you to carry renters insurance. And they often do.

It makes sense for landlords to make insurance mandatory in order to protect their asset in the event of damage to their building. Fires happen. Vandalism happens. Landlords need to be protected too.

Can renters insurance be paid monthly?

Sure. You can pay your insurance in 12 installments, though most Quebec insurance companies will charge a small financing fee, typically between 1.75% and 3%.

Do I have to pay a deductible for renters insurance?

Yes. Most tenant insurance policies carry a deductible between $500 and $1,000. A deductible is the amount you pay out of pocket before the insurance company pays the rest.

Can roommates share renters insurance in Quebec?

Yes they can. If you get renters insurance, your roommate is not automatically included on your policy — but you can add their name as an additional named insured.

Pros: By splitting the cost of one policy, you each save money on your insurance.

Cons: If your roommate makes a claim for something that doesn’t involve you, your record will be penalized just like theirs.

How much renters insurance do I need?

You need to carry an amount equal to your personal belongings.

The average renter in Quebec has $20k in personal belongings. That includes items like furniture, appliances, clothing, and technology.

You should also carry a minimum of $1,000,000 in tenant liability insurance, which protects you in the event you damage your landlord’s building.

Is it worth it to have apartment insurance?

Of course. The financial loss you could suffer from perils like a fire or theft significantly outweighs the annual cost of your insurance policy.

Not only does renters insurance protect your personal belongings, it will also cover you financially if you cause damage to your landlord’s building and they attempt to recover the cost of damages from you.

How can I get cheap renters insurance?

Here are three things you can do:

  1. Shop around to find the lowest Quebec apartment insurance price.
  2. Take a high deductible — $1,000 or more if you can afford it.
  3. Consider dropping coverage — if you just want liability insurance to satisfy the landlord’s requirements, you can remove theft coverage from your policy.

Is renters insurance necessary if you don't have expensive things?

“I have nothing valuable. Why should I get insurance?”

We hear this a lot.

Renters insurance is still necessary because there’s more to it than contents coverage. There’s the liability portion. Liability coverage is crucial in the event you cause damage to the landlord’s building or property.

Let’s say you start a fire that causes damage costing $30k or more. The landlord or the landlord’s insurance company can seek financial compensation from you. A renters liability policy would cover those costs.

Is tenant insurance mandatory in Quebec?

No, tenant insurance is not mandatory. Still, many landlords will require it as part of your lease. So while there’s no law forcing Quebec lessees to carry rental insurance, landlords are allowed to require it as stipulation for renting their property.

Can a landlord ask for tenant insurance?

Yes they can. Tenants have many rights themselves, and it is within the landlords’ rights to require you to carry renters insurance. And they often do.

It makes sense for landlords to make insurance mandatory in order to protect their asset in the event of damage to their building. Fires happen. Vandalism happens. Landlords need to be protected too.

How much is tenant insurance in Quebec?

The average cost of tenant insurance in Quebec is $320/year when you take a $500 deductible. That breaks down to $27/month.

Can renters insurance be paid monthly?

Sure. You can pay your insurance in 12 installments, though most Quebec insurance companies will charge a small financing fee, typically between 1.75% and 3%.

What is renters insurance good for in Quebec?

A lot!

But we can simplify it into two things: Protecting your stuff and saving your ass.

Here are the two main coverages a renters insurance policy will include.

Contents: Protect your personal belongings in the event of theft or damage from fire or water.

Liability: Covers damage you do to your landlord’s property. If, for example, you accidentally start a fire, the landlord can sue you for compensation. (This is known as subrogation.) Liability insurance can pay those hefty bills. So even if you own no valuables, liability is a good coverage to have.

Do I have to pay a deductible for renters insurance?

Yes. Most tenant insurance policies carry a deductible between $500 and $1,000. A deductible is the amount you pay out of pocket before the insurance company pays the rest.

Will my tenant insurance go up after a claim?

Yes. Every claim you make stands to raise your future rates.

By how much? That’s impossible to say. It depends on many factors, but a good guess is between 25% and 50%.

Can roommates share renters insurance in Quebec?

Yes they can. If you get renters insurance, your roommate is not automatically included on your policy — but you can add their name as an additional named insured.

Pros: By splitting the cost of one policy, you each save money on your insurance.

Cons: If your roommate makes a claim for something that doesn’t involve you, your record will be penalized just like theirs.

Do I need apartment insurance if I live with a friend?

Whether you live with someone or not, renters insurance is not mandatory, but it’s strongly encouraged.

You can share a policy (and split costs) or each have your own rental insurance.

How much renters insurance do I need?

You need to carry an amount equal to your personal belongings.

The average renter in Quebec has $20k in personal belongings. That includes items like furniture, appliances, clothing, and technology.

You should also carry a minimum of $1,000,000 in tenant liability insurance, which protects you in the event you damage your landlord’s building.

What is a good deductible for renters insurance?

We suggest taking a deductible of either $500 or $1,000 on your tenant insurance policy. A deductible is the amount you pay out of pocket before the insurance company pays the rest.

Is it worth it to have apartment insurance?

Of course. The financial loss you could suffer from perils like a fire or theft significantly outweighs the annual cost of your insurance policy.

Not only does renters insurance protect your personal belongings, it will also cover you financially if you cause damage to your landlord’s building and they attempt to recover the cost of damages from you.

Does renters insurance cover water damage from a toilet?

Yes, but only if the leak damages your stuff. If the water damage occurs to a part of the building like a carpet, then it’s up to the landlord to either fix it themselves or claim with their own insurance company.

However, if a claims adjuster determines the water damage occurred as a result of the tenant’s negligence, the tenant could be liable to cover the costs.

How can I get cheap renters insurance?

Here are three things you can do:

  1. Shop around to find the lowest Quebec apartment insurance price.
  2. Take a high deductible — $1,000 or more if you can afford it.
  3. Consider dropping coverage — if you just want liability insurance to satisfy the landlord’s requirements, you can remove theft coverage from your policy.

Who should pay for renters insurance?

You, the renter!

Even if you had no intention of getting insurance and only did so to satisfy the landlord’s lease requirements. The policy is paid by the person with insurable interest, meaning if damages were to occur, that person would suffer financial loss.

Is renters insurance necessary if you don't have expensive things?

“I have nothing valuable. Why should I get insurance?”

We hear this a lot.

Renters insurance is still necessary because there’s more to it than contents coverage. There’s the liability portion. Liability coverage is crucial in the event you cause damage to the landlord’s building or property.

Let’s say you start a fire that causes damage costing $30k or more. The landlord or the landlord’s insurance company can seek financial compensation from you. A renters liability policy would cover those costs.

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