TTenant insuranceLowest cost
Belongings, civil liability and extra living costs
- Often required by the lease
- Price follows the value of your belongings
- Check the water damage limits
$15–$40/mo
typical price range
Compare insuranceand pay less
Home, tenant, condo, auto, life or travel: answer a few quick questions and compare options that fit your life in Québec. It's free and independent.
Guide prices
Popular insurance types and guide prices
Three common policies, with the typical premium range in Québec. These are not quotes: your premium depends on the insurer, your profile and the coverage you choose.
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HHome insurance
House, belongings and civil liability
- Based on the cost to rebuild
- Water damage options often extra
- Bundling with auto may lower it
$70–$160/mo
typical price range
AAuto insurance
Civil liability and damage to your vehicle
- Liability coverage is mandatory
- Injuries are covered by the SAAQ
- Depends on driver and vehicle
$55–$130/mo
typical price range
Guide prices are typical ranges for Québec, for information only. They are not offers. Answer the quiz to get real quotes from our partners. They pay us; you never pay.
Find my insuranceWhat to compare
What to compare before you choose
The cheapest quote isn't a bargain if it covers less. Match every quote on the basics, then compare the differences.
- Coverage and exclusionsCheck what's covered and what's left out. Water damage, earthquakes and high-value items are common gaps. Read the policy wording, not just the summary.
- DeductibleWhat you pay out of pocket on a claim. A higher deductible usually lowers your premium, but choose one you could comfortably pay tomorrow.
- Liability amountCivil liability pays if you accidentally damage someone else's property or injure someone. Compare the limit on each quote and ask about higher ones.
- Replacement cost vs cash valueReplacement cost pays what it costs to buy new today. Actual cash value subtracts depreciation, so it pays out less on older belongings.
- Discounts and bundlesBundling home and auto, an alarm system or a claims-free record may lower your price. Compare the total cost, not just the size of the discount.
- Claims serviceHow you file a claim, when you can reach someone and how quickly they respond. Service matters most on the day you actually need it.
Side by side
Types of insurance, side by side
Most households need more than one policy. Here's what each type covers, who it's for and what to watch for.
| Type | Covers | Who it's for | Watch for |
|---|---|---|---|
| Tenant | Your belongings, civil liability and extra living costs after a loss | Renters; often required by the lease | Water damage limits and caps on valuables |
| Homeowner or condo (co-owner) | Your home or unit, your belongings and civil liability | Homeowners and condo co-owners | Water damage options; for condos, what the syndicate covers |
| Auto | Property damage and civil liability; the SAAQ plan covers injuries | Anyone who owns a vehicle; liability coverage is mandatory | Coverage for damage to your own car, and its deductible |
| Life | A lump sum for your beneficiaries when you die | People with a mortgage, children or others who rely on their income | Term length, renewal price and health questions |
| Travel | Emergency medical care abroad, trip cancellation or interruption | Travellers, especially when leaving Canada | Pre-existing conditions, trip length limits and exclusions |
To size your coverage, try the contents coverage calculator or read our tenant insurance guide.
Ways to pay less
Ways to pay less on insurance
Small changes can lower your premium without cutting the coverage you actually need.
- Bundle your policiesInsurers often offer a discount for combining home and auto. Get bundled and separate quotes, then compare the totals.
- Choose your deductible wiselyA higher deductible usually lowers your premium. Pick one you could comfortably pay tomorrow, and check how it applies to each type of claim.
- Shop around at renewalPremiums can change from year to year. Comparing fresh quotes before you renew takes a few minutes and shows whether you're still getting fair value.
- Ask about every discountMany insurers offer discounts for a monitored alarm, a claims-free record or group membership. Ask which ones apply to you.
Free calculators
Run the numbers on your insurance
- Contents coverage calculatorAdd up what your belongings would cost to replace and get a suggested amount of contents coverage.Open the calculator
- Deductible calculatorSee how many claim-free years it takes for a higher deductible to pay for itself.Open the calculator
- Life insurance needs calculatorEstimate how much life insurance your family might need, based on income, debts and what you already have.Open the calculator
- True cost of a promoCompare two promo offers over the months you'll keep them, including the regular price after the promo ends.Open the calculator
From the blog
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Insurance
questions
No. Expert Quebec is a free, independent comparison service, not an insurer or a broker. We help you compare options and, if you ask, get quotes from licensed providers. In Québec, insurance is supervised by the Autorité des marchés financiers (AMF).
It isn't required by law, but many leases require it, and landlords may ask for proof of civil liability coverage. Even when it's optional, it protects your belongings and covers you if you accidentally damage the building or a neighbour's unit.
In Québec, bodily injury from car accidents is covered by the public plan administered by the SAAQ. Private auto insurance covers property damage, including your civil liability for damage to other people's property. Liability coverage is mandatory, with a legal minimum, and many drivers choose a higher amount.
It depends on your debts, income, dependants and savings. A common approach is to add up what your family would need for the mortgage, other debts and several years of living costs, then subtract savings and existing coverage. Our life insurance calculator can give you a starting estimate.
Answer the four-question quiz and leave your contact details. One partner provider contacts you with its quotes. The guide prices on this page are typical ranges, not offers. Our partners pay us, and you never pay.
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