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Cost of home insurance in Québec per month – $82
The average cost of home insurance for homeowners in Québec is $82 per month among YouSet users. However, your premium may be higher or lower than this average due to the variety of factors that insurers take into consideration, such as the location of your property, its size, your claims history, and the coverage limits you choose.
Cost of home insurance in Québec per year – $984
In Québec, the average cost of home insurance for homeowners is $984 per year among YouSet users. This figure reflects comprehensive coverage, which typically comes at a slightly higher price point compared to basic policies due to the broader range of perils it protects you against.
Cost of home insurance in Québec by city
Insurers always consider the location of your home when calculating your premium. Cities with high crime rates, dense populations, or significant environmental risks such as wildfires or earthquakes typically incur higher home insurance costs due to these heightened risks. The following table highlights the average cost of homeowners insurance in some of Québec’s largest cities.
| City | Cost of home insurance per year |
| Montréal | $1,081 |
| Québec City | $759 |
| Gatineau | $845 |
| Longueuil | $859 |
| Laval | $928 |
| Sherbrooke | $665 |
| Trois-Rivières | $770 |
| Lévis | $672 |
| Saint-Jerome | $1,145 |
| Brossard | $824 |
| Saguenay |
$1,007 |
Québec homeowners insurance pricing trend
The price of homeowners insurance in Québec has fluctuated in recent years, in part due to factors such as inflation, rising repair costs, and changes in risk assessment. You can see this in the table below.
| Year | Cost per year |
| 2024 | $984 |
| 2023 | $936 |
| 2022 | $1,023 |
Factors impacting the price of homeowners insurance in Québec
Determining your insurance premium is a bit like assembling a puzzle. Various pieces contribute to the bigger picture, each one representing a factor that can make your premium price go up or down.
Population density
With an average population density of 6.5 people per square kilometer, Québec is less than half as densely populated as Ontario. However, since most of the people in the province live in urban areas along the St. Lawrence River, population densities in these areas are higher.
In insurance, a greater population density is associated with a higher risk of accidents, leading to higher insurance premiums in urban areas. So, if you’re relocating from a less densely populated city to a more populated one, bear this in mind when requesting quotes for home insurance.
Flood risk
With densely populated areas along the St. Lawrence River, the province of Québec is often afflicted by major floodings. For instance, flooding affected 310 communities across the province in 2019, with the damage totaling upwards of $185 million.
So if you live in cities close to the flood-prone regions along the St. Lawrence River, you might have an increased insurance premium. Don’t let the higher premiums discourage you from getting home insurance though. The higher the risk of flooding, the more you need insurance. It is vital to get a good policy with all water coverages added if your home is in one of these areas.
Wildfire risk
Wildfires pose a significant threat to some areas of Québec, particularly the vast northern regions covered in forests. More specifically, the James Bay and Côte-Nord are among the most vulnerable areas.
Although home insurance policies often include coverage for wildfire damage, you should always check with your insurer to confirm the specifics of the coverage.
High-risk dog breeds
Unlike Ontario’s province-wide ban for high-risk dogs, in Québec the matter is regulated on a municipal level. In many places, pitbull breeds are deemed ‘high risk’ and are subject to regulation. However, the emphasis is shifting toward the regulation of individual dogs based on their behavior, rather than their breed.
Nevertheless, whether there is a ban or not in your municipality or province, insurance providers will ask about your dog’s breed because it increases your liability and thus, your premium. It may even cause companies to deny your policy.
Québec home insurance calculator
If you’re a homeowner looking for an insurance estimate, try this free Québec home insurance calculator. It’s a quick, easy, and anonymous way to get a sense of what others in your area are paying to insure their homes.
Average personal liability coverage limit among homeowners in Québec
While it is often recommended to have a personal liability coverage limit that covers your net worth, there are other factors to consider, such as the specific risks associated with your property and your overall exposure to liability. For reference though, the majority (80%) of YouSet-insured homeowners in Québec have a one-million dollar personal liability coverage limit.
| Liability insurance coverage amount | % of renters |
| $1,000,000 | 80% |
| $2,000,000 | 20% |
Most common home insurance claims in Québec
Among YouSet users, the most common types of home insurance claims in Québec are for water, windstorm, ground water, and burglary-related incidents. The table below details the frequency and average claim amount for each type, which is information you can use to decide which additional coverages to include in your policy.
| Type of claim | Claim amount |
| Water | $12,246 |
| Windstorm | $7,784 |
| Ground water | $13,358 |
| Burglary | $5,982 |
How to get cheap home insurance in Québec
Given the expenses associated with homeownership, it’s natural to want to pay less for insurance without compromising on coverage. With YouSet, that’s possible! In fact, here are five ways to get cheap home insurance in Québec.
Compare prices
When shopping for home insurance, you want to avoid buying the first quote you’re given. If you do, how will you know if you’re paying more than you have to? Thankfully, it’s easier than ever to compare multiple insurers in one place with YouSet.
Bundle your policies
Bundling your insurance policies with YouSet is an easy way to save up to 15% more on your monthly home and car insurance bills.
Select a higher deductible
A common strategy to lower your monthly insurance premium is to select a higher deductible. However, you should be sure you can comfortably pay this amount out-of-pocket if you ever need to file a home insurance claim.
Make claims strategically
Homeowners who go long periods without filing a claim are often rewarded with discounts by insurers. Therefore, if possible, try to file as few claims as you can.
Pay once a year
As long as your budget allows it, paying your home insurance premium in a lump sum once a year can save you from the 2-4% interest typically incurred with monthly payments and even earn you a discount.
Homeowners insurance starting at $12/month
YouSet is a digital home insurance broker in Québec whose mission is to help homeowners, just like you, save money on insurance. Through partnerships with some of Québec‘s top insurers and our proprietary technology, we’re able to secure you the most competitive rates and apply exclusive discounts for you, resulting in savings of up to 29%.
Is homeowners insurance mandatory in Québec?
Although homeowners insurance is not mandatory in Québec by law, banks/mortgage lenders often require it as a condition for approving mortgages and will not lend to you if you don’t maintain adequate coverage.
How much is home insurance in Québec?
The average home insurance price in Québec among YouSet users is $984 per year, which equates to $82 per month. While this will give you a general idea of what other homeowners are paying, prices can vary significantly because of how many factors are used to calculate the cost of home insurance.
What city in Québec has the most expensive home insurance?
Among YouSet users, Grosses-Roches homeowners pay the most with an average annual premium of $6,663, making it the city with the highest-priced home insurance in Québec.
How do you buy home insurance in Québec?
To buy home insurance in Québec with YouSet, all you need to do is get a quote, checkout, and you’re insured! It can all be done 100% online and in less than 5 minutes. If you need help along the way, you can either refer to YouSet’s help center or customer portal, as needed.
Have home insurance prices gone up in Québec?
In recent years, home insurance prices have gone up in Québec. This increase is partly driven by escalating material costs, fluctuating interest rates, general inflation, and a notable increase in natural disasters, such as floods and wildfires across the country.
Can you cancel your home insurance policy anytime in Québec?
Yes, you can cancel your home insurance anytime in Québec. However, you will likely be charged a cancellation fee when you do so. The cancellation fee is often between 2% and 7% of your premium, with higher percentages often applied early on in the policy term. For example, if your policy is $2,000 annually, it might cost you anywhere from $40 to $140 to cancel it.
Making it easier to buy home insurance online since 2017
Since 2017, YouSet has been making it easier for Canadians to buy home insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the lowest-priced offers. With over 250,000 users and an average rating of 4.9 stars on Google and Facebook, YouSet is a trusted way to get the coverage you need for less.
