Cheaper home insurance: how to do it?
Even though taking out home insurance is not a legal obligation in Quebec, it is extremely important protection to cover property and civil liability. This raises the question of the right price for home insurance tailored to your needs. So how do you go about finding home insurance that is cheaper than what you currently have?
We give you here all the keys to try to find cheaper home insurance, taking into account your budget and your needs.
Summary
What factors make home insurance more or less expensive?
How do I know if my home insurance is cheaper than average?
Is it absolutely necessary to take the cheapest home insurance?
Find cheaper home insurance, but for what guarantees?
What guarantees should you change for cheaper home insurance?
Shopping: the ultimate weapon in finding cheaper home insurance
How can you find cheaper home and auto insurance?
Is it possible to find cheaper home insurance in Montreal?
How to find cheaper home insurance in Quebec City?
Where can I find a comparison between the cheapest home insurance?
Is it recommended to find cheaper home insurance online?
Is it a good idea to find cheaper home insurance through a forum?
What factors make home insurance more or less expensive?
Many factors tend to make home insurance more or less expensive in Quebec. Basically, the larger the surface area of the home to be insured, the higher the average price of home insurance will be. Likewise, the higher the value of the movable property that you will have to insure, the higher your premium will be.
Here is the list of the main parameters that make your home insurance more or less expensive:
The location of your home
The condition and surface of your home
The year your house or condo was built
What you use it for: for example if you work there
The type of heating used
The proximity or not of the fire station
The number of people who live there
The level of coverage you choose (including the level of the value of the personal property you want to cover)
Your history of previous claims.
All these factors will be scrutinized by insurers, who, depending on your situation, establish the price of your home insurance, which corresponds to the risks assessed for your profile as tenant, owner or co-owner (depending on your situation).
How do I know if my home insurance is cheaper than average?
To determine if your home insurance is more or less expensive, you can directly receive quotes from our broker partners, by filling out the form accessible below. Depending on the prices offered, you will be able to see if your home insurance is cheaper than the average or, conversely, above the current prices:
Save up to 25% off your home insurance.
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Is it absolutely necessary to take the cheapest home insurance?
It can be tempting to mindlessly opt for the cheapest home insurance available. However, be careful: searching for home insurance at the right price does not automatically mean choosing the cheapest home insurance on the market. Indeed, it is important to subscribe to sufficient guarantees according to your situation.
Thus, it is recommended that you shop around for home insurance based on the guarantees you want to take out in your contract, and which correspond to your real protection needs. In the following sections, we will detail the different levels of home insurance coverage in Quebec.
Find cheaper home insurance, but for what guarantees?
As explained above, it is often the desired level of coverage that makes home insurance more or less expensive - in addition to all the other things that affect the price. Here are the different levels of guarantees possible in traditional home insurance plans in Quebec.
"All-risk" home insurance
The most comprehensive home insurance package, the “all-risk” offer covers - as its name suggests - all types of damage that can occur to your home. Obviously, comprehensive home insurance isn't the cheapest.
Here is what can be covered by comprehensive home insurance:
Cover object
Public liability
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