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Home Insurance Coverage - What should you know before buying?

By Léa Plourde-Archer

Updated on May 15, 2025

Hand inserting a coin into a miniature house piggy bank symbolizing home savings and real estate investment

Looking to save money on your home insurance without compromising on protection? You're not alone. With the rising cost of living, many homeowners, tenants, and condo owners in Quebec are searching for ways to reduce their insurance premiums while still maintaining essential coverage.

How can you find a cheap home insurance policy that still meets your needs? What steps can you take to lower your annual premium? And where can you turn for reliable, unbiased information to better understand your options?

This guide answers those questions by offering practical tips for reducing your insurance costs—like comparing quotes, adjusting your deductible, and avoiding over-insurance—while also pointing you to trustworthy resources that can help you make informed decisions.

What is homeowners insurance and what does it cover?

Bucket collecting water drops from a ceiling leak in a modern living room

Source : Soumission Rénovation

Home insurance mainly covers risks related to your residence, such as fire, explosion, theft, vandalism, smoke, and water damage. Depending on the policy you choose, certain natural events like windstorms, hail, or lightning may also be covered. It’s important to note that each policy includes specific limits and exclusions, which should be clearly understood before signing.

The all-risk home insurance policy is the most comprehensive option. It covers not only the building itself—whether it’s a house or a condo—but also your personal belongings, such as furniture, appliances, and clothing. If a covered event occurs, the insurer compensates for the damage to these items. This coverage also extends to additional expenses you might incur if your home becomes uninhabitable—for example, for temporary accommodations or meals.

Some policies also include or allow you to add coverage for valuable items such as jewelry, artwork, or collections, which are often insured up to a set limit. Similarly, outdoor equipment like pools, spas, or sheds can be insured, generally through specific endorsements.

To properly protect your property, it’s recommended to create a detailed inventory and review the coverage limits in your policy. This will help you identify any specific needs that may require additional coverage.

Common Exclusions and Limits

Like all insurance, home insurance includes exclusions and limits. For example, sewer backups and water infiltration through the roof or walls are typically not covered by the basic policy unless a specific endorsement is added. Additionally, any intentional damage caused by the policyholder is automatically excluded.

Certain home-based professional activities may also be excluded or limited, as they involve particular risks. As for high-value items like jewelry or bicycles, they are often covered only up to a set amount, beyond which additional protection is needed.

Damage to your pool or spa caused by freezing or thawing often requires extra coverage. Finally, damage caused by certain pets—especially specific dog breeds—may be excluded from coverage. However, civil liability included in most policies generally covers damage to others caused by a pet, unless otherwise excluded.

It is therefore essential to discuss the exclusions and limits in detail with your insurance agent or broker before signing your contract.

Is it mandatory to purchase home insurance in Quebec?

In Quebec, home insurance is not legally mandatory for everyone. For homeowners, it’s not required by law, but most mortgage lenders make it a condition for granting a loan. It remains essential to protect both your property investment and your civil liability.

Condo owners are subject to specific obligations. In recent years, the law has required condo owners to carry insurance covering their civil liability as well as their private unit. This coverage complements the condominium association’s insurance, which covers the common areas.

For tenants, home insurance is also not legally required, but it is often demanded by landlords in the lease agreement.

Home Insurance for Tenants

In Quebec, tenant home insurance protects your personal belongings and your civil liability in case of an incident. While it’s not mandatory, it is strongly recommended to cover risks such as theft, fire, or water damage.

Civil Liability Coverage in Home-Related Accidents

Symbolic representation of home insurance with a house protected under a red umbrella in the hands of a man in a suit

Source : Soumission Rénovation

Civil liability is a key component of home insurance in Quebec. It provides financial protection if you accidentally cause material or bodily harm to someone else, whether inside your home or elsewhere.

For example, if water damage from your apartment affects the unit below, your liability coverage will pay for the necessary repairs. Similarly, if a guest is injured at your place or if your pet causes damage, your civil liability insurance will cover compensation to the victim as well as legal defence costs if you’re sued.

This coverage generally applies to everyone living in the household on a permanent basis, including the owner, their spouse, their children, and sometimes household employees.

Tips for Choosing the Right Insurance for Your New Home

Miniature wooden house with protection symbol, placed next to stacked coins, representing home insurance and financial security

Source : Soumission Rénovation 

To choose the right home insurance policy, start by making an inventory of your belongings to estimate the value to be insured. Then, take the time to compare offers and coverage options from different insurers, considering your type of home, the value of your property, exclusions, and potential endorsements.

It’s also a good idea to check the coverage limits for valuables and outdoor equipment and to request quotes from multiple insurers to find the best protection at the best price.

In Summary

Home insurance in Quebec in 2025 offers essential protection against the main risks to your home and belongings, as well as civil liability coverage. While it’s not mandatory for everyone, it is strongly recommended to protect yourself against the financial consequences of a loss. Take the time to fully understand your policy and tailor your coverage to your real needs to ensure peace of mind.

A solid home insurance policy that fits your lifestyle and your budget — sound good? Then look no further than ClicAssure.

Frequently Asked Questions About Home Insurance

What does home insurance cover in Quebec?

Home insurance generally covers damage to your house or personal belongings caused by risks such as fire, theft, water damage, explosions, or electrical breakdowns. It also includes liability coverage if you cause damage to others.

What’s the difference between basic home insurance and comprehensive coverage?

Basic home insurance covers a limited number of risks (such as fire or theft), while comprehensive or "multi-risk" policies offer broader protection. These typically include liability coverage and additional optional protections depending on your contract.

What types of damage are excluded from insurance?

Common exclusions include intentional damage, criminal acts, damage caused by undeclared pets, motor vehicles, and normal wear and tear. These events are generally not covered under standard policies.

What should I do in the event of a claim or damage to my home?

In case of a claim, contact your insurer immediately, take photos of the damage, keep proof of purchase for affected items, and follow the claims process as outlined in your policy.

How to get quotes for house insurance that are on the cheap side?

To pay less for your home insurance, compare offers from different insurers and adjust your deductible. Bundling your home and auto insurance, installing a security system, and avoiding over-insurance are also effective ways to reduce your annual premium.

Where to find reliable information about home insurance?

For reliable information in Quebec, visit the websites of the Autorité des marchés financiers, the Chambre de l’assurance de dommages, and specialized platforms like Protégez-Vous. Insurers also offer tools and guides to help you better understand your coverage.

How much does home insurance typically cost in Quebec?

In 2025, the average cost of home insurance in Quebec is around $82 a month, or about $984 a year for homeowners, based on data from major insurance platforms. Some sources put the average a bit higher—up to $1,600 a year—depending on the level of coverage and your risk profile. What you’ll actually pay can vary quite a bit depending on things like where your home is located, how big it is, your claims history, and the type of coverage you choose.


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