End of the agricultural season
6 min
Information you'll need for a quote
To receive your quote quickly, here is the information you should have on hand.
- Effective date
- The name of your current insurer, if you are already insured
- Your other insurance policies (home, recreational vehicles), to check for bundling discounts
Homeowner
- Year of construction and the square footage of the home (excluding the basement)
- Type of exterior siding (brick, stone, vinyl, aluminum, etc.)
- Heating system (electricity, gas, dual-fuel, wood stove)
- Major renovations, including the electrical panel, roof replacement, windows, doors,etc.
Condo owner
- Year of construction and number of units in the building
- Presence of a business in the building and type of business
- Desired insurance amount to protect your property
Tenant
- Number of apartments in the building
- Presence of a business in the building and type of business
- Desired insurance amount to protect your property
Home insurance for your living situation
Your living situation isn’t necessarily the same as your neighbor’s. The type of home you live in, its value, your personal belongings, and the risks specific to your neighborhood directly influence the home insurance coverage you need.
In Quebec, home insurance is not required by law. That said, most financial institutions require it if you have a mortgage. Many landlords also require it as a condition before signing a lease.
Even without a legal obligation, your home holds a significant portion of your assets. Inadequate coverage can expose your financial well-being to consequences that are difficult to absorb.
This insurance applies to various types of residences.
- Condo owners and co-owners
- Homeowners
- Rental properties
- Seasonal homes and cottages
- Tenants
A La Turquoise broker will analyze your situation to help you find coverage tailored to your needs, both when choosing your insurance and in the event of a loss.
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Unique residential situations
Recommended coverage
Home insurance can help protect your property, personal liability, and certain expenses that may result from a covered loss. Coverage varies by policy and insurer.
General liability coverage
Personal liability coverage may help protect you if you accidentally cause bodily injury or property damage to another person. Coverage may apply at your residence and, in some situations, away from home.
- A visitor slips on your stairs and gets hurt.
- Water damage from your home damages your neighbor’s property.
- Your child accidentally breaks a neighbor’s window.
Dwelling coverage
Dwelling coverage helps protect the physical structure of your home. Following a covered loss, it may help pay for repairs or rebuilding costs.
- An ice storm damages the roof.
- A load-bearing wall is damaged during a covered loss.
Personal property coverage
Personal property coverage helps protect belongings such as furniture, electronics, clothing, and other household items. If a covered loss occurs, your policy may help pay for repair or replacement costs.
- Furniture is damaged during a covered incident.
- An electronic device needs to be replaced after an incident.
- Water damage or a fire effects your clothing.
Water damage coverage
Water damage is one of the most common causes of home insurance claims in Quebec. Depending on the coverage selected, your policy may help pay for damage caused by certain sudden and accidental water-related events.
- A pipe bursts and causes a flood.
- A household appliance leaks, causing damage to the floor.
Practical home insurance coverages
Certain coverage can be added to your home insurance policy to better meet your needs. They allow you to tailor your coverage to your situation.
Spa and swimming pool coverage
You’ve carefully designed your outdoor space. In the event of accidental damage to your spa or pool, this coverage helps you repair or replace the damaged equipment.
- A storm damages the structure of your above-ground pool.
- Your outdoor spa is damaged during a covered incident.
Earthquake coverage
Earthquakes can cause major structural damage. This optional endorsement can be added to a home insurance policy.
- Cracks appear on the walls or foundation after a tremor.
- Objects fall and break during an earthquake.
- Major repairs are needed following structural damage.
Identity theft protection
Identity theft can lead to time consuming and unexpected expenses. This coverage may help with certain costs associated with restoring your identity and correcting your records.
- Legal fees are required to dispute fraudulent transactions.
- Actions required to correct your credit report.
- Costs are incurred to replace official documents stolen.
Home insurance discounts and savings opportunities
A La Turquoise broker can help identify discounts and savings opportunities that may apply to your situation. Eligibility varies by insurer.
Auto and home bundle discount
Combining your auto and home insurance with the same insurer may qualify you for a discount and simplify the management of your insurance policies.
Home alarm system discount
Some insurers offer discounts when a monitored alarm system is installed. These systems help reduce certain risks and may be considered when determining your premium.
FADOQ member (Fédération de l’âge d’or du Québec)
Some insurers offer preferred rates and exclusive advantages for eligible FADOQ members. A La Turquoise broker can help verify your eligibility.
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
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Your questions about home insurance
Looking for information about home insurance in Quebec? Find answers to some of the most common questions about coverage, claims, and factors that may affect your premium.
No. Home insurance is not legally required in Quebec. However, mortgage lenders typically require homeowners to maintain insurance, and many landlords require tenant insurance before signing a lease.
Home insurance covers your building, your personal property, and your personal liability. It also includes living expenses if you have to temporarily leave your home after a covered loss. The exact coverage varies depending on your policy and the options you choose.
Not always. Water damage may be covered, but only if the appropriate coverage is included in your policy. It’s important to verify that your coverage matches the risks associated with your property.
Several factors can explain a premium increase. These include rising construction costs, claims in your area, changes to your property, or your claims history.
Even if you have not had a claim, the insurance market is constantly changing. An insurance broker can review your policy and check if any adjustments or discounts apply.
Bundling your insurance policies, increasing your deductible, or installing preventive devices are common ways to lower your premium. These devices include a water leak detector or an alarm system. Talks to your broker about identifying discounts tailored to your situation.
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