Get Reliable Home Insurance in Montreal
Home insurance protects your property, personal belongings, and liability when unexpected damage occurs. Whether you own a house, live in a condo, or rent a home in Montreal, working with a trusted home insurance broker in Montreal ensures the right coverage to reduce financial risk from events such as fire, theft, water damage, or accidents.
Types of Home Insurance We Offer
As an AMF-licensed insurance broker in Montreal, we offer different types of home insurance based on how you own and use your property. Each policy type covers specific risks and follows a different structure.
Homeowner Insurance
Homeowner insurance covers your house structure, attached and detached buildings such as garages or sheds, personal belongings, and personal liability. This coverage suits owner-occupied single-family homes, duplexes, and triplexes. You can choose comprehensive, extended, or basic coverage based on your needs and budget.
Condo/Apartment Insurance
Condo and apartment insurance both cover personal belongings and liability, but condo insurance also covers improvements, upgrades, and certain parts of the interior of your unit. In contrast, apartment (tenant) insurance does not cover the unit itself. Your condo association typically covers the building and common areas, while condo insurance protects renovations, fixtures, and contents inside your unit.
Tenant Insurance
Tenant insurance covers personal belongings such as furniture, electronics, and clothing, and provides personal liability protection. A landlord’s insurance policy does not cover tenant-owned property. Tenant insurance can also cover living expenses if a covered loss makes your unit uninhabitable.
Rental Property Insurance
Rental Property Insurance protects residential properties rented to tenants. This coverage includes the building structure, liability related to tenants, and potential loss of rental income after a covered claim. Property owners use this insurance for investment properties rather than owner-occupied homes.
Mobile Home Insurance
Qubit Insurance’s Mobile Home Insurance is designed to protect manufactured and mobile homes against unexpected risks such as fire, theft, vandalism, wind damage, and liability claims. It provides coverage for the structure of your home, your personal belongings, and additional living expenses if you are temporarily unable to stay in your home due to a covered loss.
Short-term house insurance
Short-term house insurance from Qubit Insurance provides flexible, temporary protection for your home when you don’t need a full-year policy. Whether you’re moving, renovating, staging your property, or need coverage for just a few weeks or months, this policy helps protect your home against risks such as fire, theft, vandalism, and liability claims.
Why Choose Qubit Insurance to Buy Home Insurance
Choosing the right home insurance involves more than price. You also need a brokerage that understands Montreal properties and Quebec insurance regulations.
Independent and Unbiased
We work with over 20 insurance providers across Quebec. Because we are not owned by any insurance company, we present all available options and focus on coverage that fits your Montreal property.
AMF-Licensed Brokers
Every broker at Qubit Insurance holds a valid license from Quebec's Autorité des marchés financiers. We follow strict professional standards and stay current on Quebec insurance regulations.
Bilingual Service
We provide advice in both English and French. Our team understands Montreal-specific risks, including winter freeze damage and older building construction, as well as Quebec insurance requirements.
No Broker Fees
You pay the same premium whether you buy direct or through us. Insurance companies pay us directly, so our service costs you nothing extra.
Claims Assistance
We support you throughout the claims process when damage occurs. We explain coverage, assist with paperwork, and help ensure insurers handle claims fairly.
Annual Reviews
We review your coverage each year as your home changes. Renovations, system upgrades, or repairs can affect your insurance needs, and we help ensure your policy still fits and remains cost-effective.
Preparing for a Home Insurance Quote
Home insurance pricing in Montreal depends on your property details, location, coverage choices, and claims history. Insurers use this information to assess risk and calculate premiums.
When insurers review home insurance options, they consider:
- Property type and how you use the home
- Ownership details
- Building age and overall condition
- Previous insurance claims
- Selected coverage level and deductible
These factors determine how insurers structure coverage and calculate premiums across Quebec.
Claims Assistance
We support you throughout the claims process when damage occurs. We explain coverage, assist with paperwork, and help ensure insurers handle claims fairly.
Annual Reviews
We review your coverage each year as your home changes. Renovations, system upgrades, or repairs can affect your insurance needs, and we help ensure your policy still fits and remains cost-effective.
Preparing for a Home Insurance Quote
Home insurance pricing in Montreal depends on your property details, location, coverage choices, and claims history. Insurers use this information to assess risk and calculate premiums.
When insurers review home insurance options, they consider:
- Property type and how you use the home
- Ownership details
- Building age and overall condition
- Previous insurance claims
- Selected coverage level and deductible
These factors determine how insurers structure coverage and calculate premiums across Quebec.
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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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5 Star Reviews
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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