Quote, compare and save money on apartment insurance in Quebec
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
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.
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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.
Need tenant insurance in Quebec?
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.
Need insurance in Quebec?
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.
Looking for cheap renter’s insurance in Quebec?
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%.
Need renter’s insurance in Quebec?
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.
Need renter’s insurance in Quebec?
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.
Need Quebec renter’s insurance?
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.
Need renter’s insurance in Quebec?
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.
Get a tenant insurance quote today.
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.
Looking for renter’s insurance in Quebec?
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%.
Are you a renter in Quebec?
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.
Let’s get your apartment insured.
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.
Looking for tenant insurance in Quebec?
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.
Get Quebec renter’s insurance today.
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.
Get a tenant insurance quote today.
How can I get cheap renters insurance?
Here are three things you can do:
- Shop around to find the lowest Quebec apartment insurance price.
- Take a high deductible — $1,000 or more if you can afford it.
- Consider dropping coverage — if you just want liability insurance to satisfy the landlord’s requirements, you can remove theft coverage from your policy.
Looking for renter’s insurance in Quebec?
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.
Need renter’s insurance?
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.
Need tenant insurance in Quebec?
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.
Looking for renter’s insurance in Quebec?
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.
Need insurance in Quebec?
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%.
Are you a renter in Quebec?
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.
Looking for cheap renter’s insurance in Quebec?
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.
Let’s get your apartment insured.
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%.
Need renter’s insurance in Quebec?
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.
Looking for tenant insurance in Quebec?
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.
Need renter’s insurance in Quebec?
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.
Get Quebec renter’s insurance today.
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.
Need Quebec renter’s insurance?
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.
Get a tenant insurance quote today.
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.
Need renter’s insurance in Quebec?
How can I get cheap renters insurance?
Here are three things you can do:
- Shop around to find the lowest Quebec apartment insurance price.
- Take a high deductible — $1,000 or more if you can afford it.
- Consider dropping coverage — if you just want liability insurance to satisfy the landlord’s requirements, you can remove theft coverage from your policy.
Looking for renter’s insurance in Quebec?
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.
Get a tenant insurance quote today.
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.
Need renter’s insurance?