What are the best home insurance in Quebec?
It depends on your profile and the guarantees you want to have in your home insurance. The comparator above allows you, in a few seconds and according to a few filters, to obtain the best home insurance offers in Quebec as well as our opinion on each one.
How to shop for the best home insurance in Quebec?
Finding the best home insurance quote doesn't have to be easy. Depending on whether you're looking for the cheapest home insurance, the most comprehensive home insurance, or the most flexible termination terms, there can be many criteria. You can request a personalized quote from our broker partners by clicking on the button below.
Want the best home insurance quote online in seconds? Nothing's easier ! In just a few clicks, you will get the best personalized quotes, tailored to your specific needs.
What is the cheapest home insurance?
The price of home insurance varies greatly depending on the level of coverage selected. Thus, the cheapest home insurance quote will often be the most basic, which will include liability insurance up to $ 1 million, and coverage for the most common risks (see section below). Nevertheless, it is advisable to take a sufficient level of cover to cover the main risks related to your home.
How do I get a home insurance quote online?
Before purchasing a policy, you will probably want to get various home insurance quotes online. You can access a comparison of home insurance quotes online directly on the websites of the various insurers. However, the best way to compare home insurance quotes online is still to use a comparator like the ones Hello Safe offers.
As you shop, you'll find the cheapest home insurance quote that's right for you. Via the form below, we invite you to receive three personalized quotes from our broker partners:
What are the different levels of home insurance?
Among all the covered risks detailed in the previous section, their inclusion in the home insurance contract depends on the level of coverage desired. We have schematically defined three global levels of coverage below. In practice, insurance quotes often navigate between these levels.
"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. Comprehensive home insurance is also the most expensive.
Here is what can be covered by comprehensive home insurance:
Cover object
Public liability
Fire
Theft, vandalism
Water leak Normally yes
Flood Often optional
Natural disaster Depending on the case
Furniture and goods
Structure of the dwelling
Pool Optional
Covers your student children
House under construction Optional
Risks covered by “all risk” home insurance
Standard home insurance
A little more limited than the "all risks" offer, standard home insurance nevertheless offers important guarantees in terms of the protection of your movable and immovable property. It covers in particular:
Your movable property within the value limit defined in the contract, and excluding any item that may be added to the contract
Damage that could occur to the building, if you are the owner or co-owner - except for exclusions mentioned in the contract.
Basic home insurance
The most basic home insurance usually protects your home against risks such as:
Fire
Theft and damage
Falling objects
The shock of land vehicles
Hail or storms.
The vast majority of home insurance contracts, whether comprehensive or basic, cover the civil liability of their holders. Obviously, the more basic the contract, the less expensive it will be, and vice versa.
When you are a tenant, everything that comes under the structure of the apartment is the responsibility of the owner.
What is not covered by home insurance?
When comparing home insurance quotes, be aware that it does not cover every situation that could affect your property or personal effects - even with comprehensive home insurance.
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