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How much is home insurance for a Single-Family Home in Quebec?

Buying a house is a dream of many families in Quebec. But when you become a homeowner, you need to be smart because it comes with many financial obligations.

One of the things that you will need after you buy a home is home insurance. While it is not legally required in Quebec, it is required if you are taking out a mortgage.

But how much does home insurance cost per year for a single-family home in Quebec?

This is an excellent question, which we will answer as accurately as possible with a few examples to guide you.

Below you will find essential information about home insurance for single-family homes in Quebec.

We have also prepared tables for home insurance by region with the help of our partner brokers for added clarity.

For each region, you will see different ages of clients, the cost of rebuilding the house, etc. This will give you an idea of market prices.

Fill out our short online form to receive accurate quotes tailored to your information and needs, free of charge!

Types of home insurance for Single Family Homes in Quebec

Insurance companies offer various types of home insurance policies in the province to meet different budgets of homeowners.

You can choose the type of policy that can provide the most efficient protection or only basic protection. Of course, you must also consider your tolerance of risk and how much you can afford to pay.

Here are the 2 primary home insurance policies sold in Quebec:

All risks Insurance (Comprehensive)

This type of coverage protects you against
most risks that may affect your home, with some exclusions listed in the contract.

Specified Risks (Named perils)

This contract only protects you against the risks that are specifically listed in your insurance contract.

What risks are covered by home insurance?

Strictly speaking, home insurance is not mandatory in Quebec but it is VERY strongly recommended.

Why? Imagine if a fire breaks out and destroys your property. If you don’t have insurance coverage, you will need to continue paying your mortgage but you will no longer have a house. You will not receive any compensation for rebuilding your home. You will have lost hundreds of thousands of dollars without any recourse.

Home insurance is available to avoid such scenarios and protects you against several risks, including:

Fire & Smoke Damage
Theft
Vandalism
Water damage
Drinking water pipe leak
Lightning
Smoke
Blast
Wind
Hail
Falling Objects
and many more!

Before signing an insurance contract, always check the list of risks covered and the exclusions so you know exactly what you are covered for.

What is a protected sector in Home Insurance?

When talking about home insurance, you might hear the term “protected area” when you request quotes.

What is that? For an insurer, the risk of loss can be reduced if the client lives in an area located near a fire hydrant and a fire station.

A sector is said to be protected if it meets the following criteria:

Fire hydrant within 300m

There is a fire hydrant less than 300 meters away from the property.

Fire station - 8km

There is a fire station less than 8 kilometers from the house.

For properties meeting the above criteria, insurers are likely to give lower premiums compared to other areas.

Home Insurance Price Simulation for Single-Family Homes by Region

Now let’s move on to the most interesting topic, the prices of home insurance. It’s always handy for customers to see sample prices before shopping. This can help them establish their priorities and understand better.

Our partner brokers have taken the time to shop around and compare home insurance prices for single-family homes in many regions of Quebec.

To do so, they had to make certain assumptions and used specific characteristics for the calculations. Please note that the following examples are for illustration purposes only. There are no guarantees offered.

To get actual quotes tailored to your situation, fill out our free online form with no obligation!

Factors used for the calculations

Protected sector
Civil liability at 2 million
Comprehensive coverage (all risks)
3 types of water damage
$1,000 deductible
Auto and home insurance combo discount
Year of construction 1985
Exterior cladding: mostly brick
Electric heating only
Finished basement
Existing mortgage on the building
Non-smoker customer