Get Reliable Apartment Insurance in Montreal to Protect Your Rental Unit
Building master insurance does not cover personal belongings, unit renovations, or personal liability, and that risk falls entirely on the occupant. Qubit Insurance delivers specialized apartment insurance for Montreal renters and condo owners, providing the right coverage at the lowest possible premiums.
Apartment Insurance Coverage Built for Montreal Risks
Apartment insurance in Montreal must address real financial exposures, not just basic coverage. Rising claim values, liability across multiple units, and frequent water damage events make it essential to have the right protections in place before a loss occurs. As an insurance broker in Montreal, Qubit Insurance structures policies specifically to cover these high-impact risks and prevent costly gaps.
Full Replacement Value
Qubit Insurance prioritizes replacement cost coverage, ensuring you receive the full retail value needed to replace your belongings today, not a reduced “actual cash value.”
$2M Liability Coverage
If your bathtub overflows and damages the units below, you are personally liable. Without proper coverage, legal defense costs and damages can escalate quickly, and wages may be garnished. Most Montreal landlords and condo declarations now require a minimum of $2,000,000 liability coverage, protecting against serious financial consequences.
Protection Against Montreal’s #1 Risk
Standard home insurance policies only cover sudden internal events like a burst pipe and exclude major threats such as municipal system failures. Qubit Insurance explicitly includes Sewer Backup and Overland Flood coverage, protecting against Montreal’s most common and financially damaging type of loss, especially for basement apartments.
Why Qubit Insurance is the Leading Choice for Montreal Apartment Dwellers
Over 60% of Montreal households are renters, and tens of thousands more own condominiums in historic walkups and modern high-rises. A dangerous misconception is that the building owner’s policy covers your unit. It does not. Choosing the right brokerage ensures your coverage is structured correctly from the start.
Independent Brokerage That Works for You
Qubit Insurance is an independent, AMF-licensed brokerage dedicated strictly to the Quebec property market. We do not work for insurance companies; we advocate for you. This means your coverage is selected based on what actually protects you, not limited to a single insurer’s products or sales targets.
Multiple Insurers Compared for Better Coverage
By comparing policies from over 20 top-tier insurers, including Intact, Promutuel, Wawanesa, and L’Unique, Qubit Insurance identifies the exact coverage structure you need. This ensures your policy is properly built while also securing the lowest possible premium based on your situation.
Coverage Designed for Montreal Apartments
Montreal apartments vary significantly, from older wood-frame walkups to modern concrete towers, each with different risk profiles. Qubit Insurance structures coverage based on these realities, ensuring your policy reflects how your building actually functions and avoids both coverage gaps and unnecessary costs.
Claims Support You Can Rely On
When a loss occurs, fast and accurate handling is critical. Qubit Insurance manages the process from the start, providing 24/7 emergency response, coordinating directly with the insurance adjuster, and ensuring your coverage, including temporary living expenses, is activated without delays or confusion.
Local Insurance Expertise
Qubit Insurance provides apartment insurance across Montreal and surrounding areas, including Laval, Longueuil, the West Island, and the South Shore. From central neighborhoods like Ville-Marie and Griffintown to residential areas such as Rosemont, Villeray, CDN–NDG, and Verdun, coverage is structured with a clear understanding of local buildings and risks, ensuring your policy accounts for the unique infrastructure and regulations of each borough.
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Do You Have the Right Apartment Insurance in Montreal?
Most Montreal apartment dwellers assume they are covered, but choosing the wrong policy or skipping coverage can lead to serious financial consequences. The right insurance depends on whether you rent or own, and how your policy is structured.
- If you rent, tenant insurance protects your personal belongings, liability, and living expenses, while the building itself remains your landlord’s responsibility.
- If you own, condo insurance covers the gap between your building’s master policy and your unit, including your belongings, liability, unit improvements, and shared building costs.
- Without proper coverage, you are legally responsible for damages you cause.
- Condo owners face additional risks. Master policy deductibles can range from $25,000 to $100,000, your share may be charged to you, and anything inside your unit, like floors or kitchens, is your responsibility. Special assessments for repairs can also cost tens of thousands.
- Montreal-specific risks also matter. On moving day, July 1, failing to notify your broker can lead to coverage gaps; however, standard policies will protect your belongings at both locations for up to 30 days during a move if properly updated.
Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Exceptional Service
Claims Support
Availability to Help
Competitive Prices
Unbiased Advice
100% Reliable
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Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
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