Protect Your Rental Property with Landlord Insurance in Montreal
Stop risking your investment with basic coverage. Get landlord home insurance built for Montreal’s aging buildings and local rental risks, protecting you against tenant damage, liability claims, and lost rental income before a claim happens.
Control Your Liability with Landlord Insurance Coverage Options in Montreal
Rental properties in Montreal face higher risks from aging buildings, water damage, and tenant liability claims. Working with Qubit Insurance, an experienced insurance broker in Montreal, helps you compare 20+ Quebec insurers and secure landlord condo insurance built to protect your property, rental income, and long-term investment.
Building and Property Protection
This coverage protects your rental property's structure—including its walls, roof, plumbing, electrical, and heating systems—against fire, theft, vandalism, windstorms, and certain types of water damage. In Montreal, many rental buildings date back to before 1970, and rebuilding costs often exceed market value, making replacement cost coverage essential. Coverage can also include equipment breakdown for boilers and furnaces, along with detached structures like garages, sheds, and fences.
Landlord Insurance for Rental Properties That Safeguards Your Income
If a fire or burst pipe makes your property uninhabitable, tenants stop paying rent. Rental income protection replaces lost rent during repairs, which can take 6 to 12 months for multi-unit buildings. Without this coverage, landlords continue paying the mortgage and expenses with no rental income coming in. This becomes critical when one claim impacts multiple revenue streams.
Landlord Liability Insurance
If a tenant, visitor, or delivery person is injured on your property, landlords can face personal liability. Common Montreal claims include icy staircases, balcony failures, and common area accidents. Coverage includes legal defence costs, even if the claim is frivolous, along with settlements and medical expenses. Most professional landlords carry at least $2,000,000 in liability coverage.
Water Damage, Sewer Backup and Flood Coverage
Water damage remains the primary cause of landlord property insurance claims in Montreal. Aging pipes burst, flat roofs leak during spring thaw, and sewer systems back up during heavy rain. Sewer backup and overland flood coverage become essential additions, especially for buildings with basement or ground-floor units.
Airbnb and Short-Term Rental Coverage
Standard commercial landlord building insurance policies often exclude Airbnb and short-term rentals. Not every insurer offers short-term rental coverage in Quebec, but specialized endorsements help cover guest damage, furnished units, higher turnover risks, and increased liability exposure.
Vacant Property Coverage
Most landlord insurance policies reduce or exclude coverage after 30 days of vacancy. Vacant properties face higher risks such as vandalism, frozen pipes, and undetected water damage. Vacancy coverage helps maintain protection during renovations or extended tenant turnover.
Why Choose Qubit for a Landlord Insurance Policy in Montreal
Landlord insurance for multiple properties in Montreal requires more than basic coverage. Aging buildings, water damage risks, and tenant liability exposure demand policies structured correctly from the start. Working with an experienced insurance broker in Montreal ensures your rental property and rental income are protected when a claim actually happens.
Montreal Rental Market Expertise
We insure landlords across every Montreal borough, from single condo investors to multi-building and portfolio owners. We understand flood-prone areas, building age restrictions, and which insurers offer better rates for well-maintained older properties. This is Montreal-specific expertise, not generic commercial insurance advice.
Compare 20+ Quebec Insurers
The same rental property can receive quotes that differ by $1,000 or more depending on the insurer. We compare 20+ Quebec insurers to find the best coverage and pricing. As an independent broker, we work for you, not the insurer, and present every available option.
Policies Built to Perform During Claims
Two policies at the same price can behave very differently during a claim. We review exclusions, water damage clauses, vacancy limits, and sub-limits before recommending coverage, so your policy performs when you actually need it.
We Fight for You During Claims
Most brokerages disappear after the policy is sold. We stay involved. We handle insurer communication, clarify policy language, and push for fair and timely settlements. We provide bilingual English and French support throughout the entire claims process.
Simple Communication for Commercial Property Landlord Insurance
Quotes, policy updates, and claims support handled over text, WhatsApp, email, or phone. No hold times, no phone trees, no office visits. The same broker manages your file from first quote to renewal.
AMF Licensed Insurance Broker
As an AMF licensed insurance broker, we are legally required to recommend coverage that fits your needs, disclose conflicts of interest, and clearly explain exclusions before you bind coverage. We remain independent of all insurers.
Annual Policy Review
Rental properties change. You renovate, add tenants, switch to Airbnb, or grow your portfolio. We contact you before every renewal, review your coverage, and compare rates across insurers to ensure your policy keeps pace with your investment.
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Do You Really Need Landlord House Insurance in Montreal?
Montreal has one of the highest renter populations in Canada, with over 60% of households renting. Many rental properties across the city date back 50 to 100+ years, increasing the likelihood of major claims due to aging infrastructure, older plumbing, and outdated electrical systems. These factors create high-risk exposures that standard homeowner’s insurance typically does not cover.
If a major incident occurs, landlords remain responsible for ongoing expenses, including:
- Mortgage payments
- Property taxes
- Maintenance and operating costs
- Unexpected repair expenses
If you have a mortgage, lenders almost always require landlord insurance to protect the property and rental income. Even if you own the building outright, a single fire, major leak, or liability claim can significantly impact your investment.
Based on 2026 Quebec insurer data, landlord insurance in Montreal typically ranges between $1,300 and $5,000 per year, depending on:
- Property type and building age
- Number of rental units
- Tenant profile and rental activity
- Location and claims history
Whether you own a duplex in Verdun, a six-plex in Rosemont, a condo in Griffintown, or a larger portfolio across the South Shore, landlord insurance helps protect your rental property, income, and long-term investment.
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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