In 2025, homeowners in Quebec pay an average of $960 per year for home insurance premiums. Note that this amount varies depending on several factors such as your home’s location, size, and age.
Getting the right home insurance coverage might seem complex. But don’t worry! We’re here to help you understand it better.
How much does home insurance cost in Quebec?
In 2025, Quebec homeowners pay an average of about $960 per year for their home insurance. Here’s a more detailed breakdown of average home insurance prices by property type:
- Homeowner (single-family house): $984 per year ($82 per month)
- Condo owner: $692 per year ($57 per month)
- Tenant (apartment): $360 per year ($30 per month)
- Cottage (secondary residence): $1,580 per year ($131 per month)
Keep in mind that these prices will likely vary depending on several factors such as your residence’s location (urban area, flood-prone region, or areas subject to climate disasters), the size and age of your house, and the value of your belongings.
For example, a single-family home in a major city like Montreal or Quebec City is generally above average, while a small condo in Sherbrooke or Gatineau might cost less.
We recommend getting quotes through a broker like Gendron Insurance to help you get the most advantageous price for your situation.
Factors that determine home insurance costs in Quebec
Property type
The type of property greatly influences the cost of your home insurance. Here’s how each type can affect the premium cost:
- House: Generally more expensive to insure as it covers a larger area and involves more risks.
- Condo: Premiums are often lower but vary depending on the coverage provided by the condo association’s insurance.
- Multi-unit buildings: Cost depends on the number of units and whether you’re an owner-occupant or not.
Whether you’re an owner, tenant, or condo owner, the type of residence plays a crucial role in calculating your premium.
Geographic location
Where your property is located in Quebec can significantly affect your insurance cost:
- Urban area: Premiums are generally higher due to increased risks of theft and vandalism.
- Rural area: Costs may be lower, but beware of flood or forest fire risks.
- Risk zones: Some Quebec regions are more exposed to natural disasters, which increases premiums to protect the house.
These factors must be considered to find insurance with additional protection adapted to your specific geographic situation.
Year of construction and building condition
The age and condition of your property greatly influence insurance costs:
- Older buildings may have outdated construction materials, increasing the risk of damage.
- Well-maintained and regularly renovated houses often benefit from reduced premiums.
- Recent improvements, such as a new roof or updated electrical systems, can lower your premium.
The preventive function of renovations is considered by insurers when assessing potential damage risks.
Construction materials
The choice of materials used to build your property directly affects your insurance premium:
- Wood: Less expensive but more vulnerable to fire and water damage.
- Brick: Offers better fire protection, which can reduce costs.
- Concrete: Very resistant, it can decrease the risk of weather-related damage.
Material durability is fundamental to your insurer’s risk assessment.
Security systems and prevention
Investing in home security can save you money on insurance. Here are some effective devices:
- Theft alarm system
- Smoke and carbon monoxide detectors
- Automatic fire sprinklers
- Water damage detection system
These installations help protect your home and can reduce the risk of claims, which reflects in your premium.
Value of insured property
The coverage amount you choose for your belongings directly influences your premium:
- An accurate estimate of your possessions’ value is crucial.
- Protecting high-value items may require additional insurance.
- Don’t forget to include civil liability in your calculation.
We recommend making a detailed inventory to ensure all your belongings have good protection against damage.
Type of coverage chosen
The level of protection you select largely determines your insurance cost:
- All risks: Offers the most comprehensive protection but is generally more expensive.
- Named perils: Less expensive but covers only the specific perils mentioned in the policy.
Each type of coverage has its advantages. We recommend understanding the guarantees offered to make an informed choice when insuring your home.
Deductible amount
The deductible you choose has a direct impact on your premium:
- A higher deductible generally reduces your insurance cost.
- A low deductible means you’ll pay less in case of a claim, but your premium will be higher.
We suggest finding the right balance between what you can pay in case of a claim and your monthly expenses.
Insured’s profile
Your personal history plays an important role in how the insurer calculates your premium:
- A heavy claims history can increase your insurance costs.
- Good credit can help you get better rates.
- Your housing use (primary residence, secondary, rental) also influences the amount.
Combining with auto insurance
Combining your auto and home insurance not only saves money through bundling discounts but also simplifies policy management with single billing and a single point of contact. Plus, some companies offer enhanced protection or exclusive benefits to customers who bundle their insurance.
How to find the best home insurance offer?
Compare online quotes (broker)
Looking to get the best home insurance? Start by comparing online quotes. It’s quick and easy! Here are some tips for analyzing offers:
- Get multiple quotes from different insurers to understand market prices.
- Carefully examine proposed guarantees and ensure they meet your needs.
- Pay attention to details: small differences can have a big impact on your protection.
- Don’t hesitate to ask questions if a clause isn’t clear.
Price is important, but it’s not everything: a cheaper offer isn’t necessarily the best if it doesn’t protect you adequately.
Subscribe to insurance adapted to your needs
To choose the right insurance, you need to know your needs well. Take time to think about it before subscribing:
- Make an inventory of your belongings to determine the amount of protection needed.
- Consider risks specific to your situation (flood zone, valuable items, etc.).
- Compare products: some are more comprehensive than others.
- Understand what is covered and what isn’t to avoid unpleasant surprises.
Get annual quotes
Your situation evolves, and so do your needs:
- Insurers regularly adjust their offers.
- Compare each year to find the best protection or price.
- Take the opportunity to review your needs (renovations, new furniture, etc.).
- Mention your past claims: they can influence your premium.
A small annual effort can make a big difference!
Get a quote now with Gendron Insurance
Looking for home insurance that really meets your needs? We offer personalized service and expert advice to find the best protection. Fill out our quick form today to get your free quote and discover how we can help protect what matters most to you.
Frequently asked questions about home insurance prices
How does the deductible work for a home policy?
The deductible represents the amount you must pay during a claim before your insurance intervenes. Its level directly affects your premium: the higher it is, the less you pay monthly. For example, with a $1,000 deductible, if water damage causes $5,000 in damages, you assume the first $1,000 and the insurer covers the remaining $4,000.
Does the premium increase after a claim?
Yes. Your premium increases following a loss because the insurer now considers you a higher risk. This increase depends on several elements: nature of damage, amount reimbursed, and claims history. The increase can persist for 3 to 5 years.
How to insure a rental apartment in Quebec?
In Quebec, insurance for a rental property differs from owner-occupied insurance: it mainly covers the building structure and your civil liability towards tenants. You must protect your real estate assets against common risks (fire, theft, water damage) while protecting yourself against potential lawsuits. Tenants are responsible for insuring their personal belongings. Carefully check specific clauses for landlords to ensure adequate protection.
