Get Reliable Home Insurance in Montreal: Compare Quotes & Save Money

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, townhouses, duplexes, and triplexes. If you rent out a unit in your plex, your policy needs to reflect it.

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 syndicate's insurance covers the building and common areas, while your own condo insurance protects renovations, fixtures, and contents inside your unit. In Quebec, condo co-owners are also required by law to carry civil liability 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 also covers additional living expenses if a covered loss makes your unit uninhabitable. Many Montreal property managers ask tenants to show $1 million to $2 million in civil liability before handing over the keys.

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 rental insurance for investment properties rather than owner-occupied homes. In Quebec, landlords cannot require a damage deposit, which makes the right policy structure essential.

Our mobile home insurance is designed to protect manufactured, modular, 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 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, temporary home insurance helps protect your home against risks such as fire, theft, vandalism, and liability claims. For a cottage or seasonal property, see our second home insurance page.