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House insurance in Quebec

Get peace of mind with tailored house insurance coverage to protect the place you call home.

Your house is more than a home. Let our home insurance coverage safeguard your home with the right coverage for your needs. 
  • Tailored house insurance
    We provide house insurance that is perfectly suited to your home and that fits your lifestyle. We also provide a selection of add-ons, programs and endorsements if you need special coverage.
  • Outstanding claims experience
    Take advantage of the excellent 24/7 support with the largest claims team in Canada, whenever you need it most.
  • Good home benefits 
    With Good home benefits, eligible new clients get Intact’s most competitive home insurance pricing as well as free Good record protection (1 claim forgiven). All types of claims are forgiven for total peace of mind.
  • Some of the most generous coverage on the market
    Get peace of mind with a single limit of insurance covering all your property and up to $2,000,000 in personal liability coverage.1
  • Bundle your house and car insurance
    Get the best value for your money with insurance bundles and take advantage of exclusive benefits.

Coverage

Home is where your heart is. Get homeowner's insurance coverage to protect what you value the most. With Intact Insurance, you will benefit from protections that fit your lifestyle. Make yourself at home! 

  • Homeowner’s insurance covers damages to personal property such as: 

    • Furniture 
    • Clothing 
    • Appliances such as oven, fridge and stove 
    • Bicycles
    • TVs and other electronics
  • Protects you and your family members if sued and are legally liable for someone unintentional damage to the property of others or caused them bodily injury. Under this protection you’ll be able to cover potential:  

    • Medical bills to treat someone else’s injuries 
    • Legal expenses related to your defence
    • Costs to repair or replace damage to someone else’s property
  • Covers damages to your house itself and its attached structures as well as other permanently installed structures on your property. 

Home insurance in Quebec

Protect your most important investment and get a quote for your Quebec home insurance, online, by phone or through an insurance representative with ease. Our home insurance policy is designed and tailored to your personal needs for homeowners insurance.

 

Get coverage for your home in Quebec

Make your house a home with the protection that will best help you in times of crisis, be it in your first family's home in Montreal, Quebec City, or Saguenay or your house in Laval or Sherbrooke, home insurance protects your home, your valuables, provides liability insurance and more. Get a tailored home insurance quote at a competitive price. 

  • Why get coverage for your home in Quebec
    One of the major investments you'll make is your home. You never know when the unexpected, such as a fire, a storm, or floods, may strike. Home insurance covers your property, allowing you to focus on the enjoyment that comes with living fulfilled in your home.
  • Saving on your home insurance in Quebec
    The price for your homeowners insurance can vary greatly depending on a variety of different factors. Here are some of our recommendations to help you save on your insurance:
    • Reach out to one of the 2,000 brokerages and agencies we work with about potential discounts
    • Bundle your home and auto insurance policies to save on both
    • Evaluate your home coverage needs annually
    • Implement fire, theft and water damage preventative measures

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your insurance representative or get a quote.2

Good home benefits  

Our most competitive home insurance pricing, which includes 1 claim forgiven over a 5-year period. 

Good Record Protection 

Enjoy forgiveness for one claim every 5 years, with no premium increase as a result of this claim upon renewal.

SOS identityTM  

Get access to a 24-hour line to get advice from experts and personalized legal support if you need advice about identity theft, landlord-tenant disputes, family law, employment law and cyber security breaches. It also provides coverage for expenses incurred if you are victim of a cyber-attack and cyber extortion.

Additional water damage protections 

Water is the main threat to your home. Water damage endorsements provide coverage if water enters your home: sewer back-up, water and sewer lines, overland water and ground water. 

Umbrella - Personal liability insurance

For those who need greater personal liability protection, this add-on is an extension to your base insurance policy and provides coverage for your personal liability an auto civil liability in Canada and the U.S.A.

The perfect match between your home and auto insurance

Bundle and save in Quebec!

Combine your home insurance and auto insurance with Synchro insurance and take advantage of the exclusive benefits. Get the best value for your money and save up to 15% 3 on your home insurance policy.

More ways to save

  • Alarm systems
    Have an alarm system in your home? Whether its locally monitored by yourself or by a central for fire and theft, you could save on your insurance premium! 
  • Water safety devices
    If you have installed water flow devices with automatic shut off valves or if there is a water sensor system with five or more sensors and an automatic shut off valve in in your home, you could get a discount. 4
  • FADOQ FreeSpace®
    Only for those at least 50 years young! FADOQ members: enjoy increased protections and privileges, as well as 5% off your home insurance and a 5% discount on your car insurance premium.
  • There’s more ways to save
    Haven’t had a claim in over a year? You’re a non-smoker? Haven’t moved house over the last years? With Intact Insurance, it could help you save! 

FAQ

Property damage from water is among the most common homeowners insurance claims, followed by wind and hail, fire and lightning, and theft.

You can save through a variety of ways:

  • Bundling your home and auto insurance policies with Synchro insurance could help you save on your auto and home insurance premium 
  • Implementing alarm systems mainline backwater valves and water sensors as preventative measures.
  • Asking your representative about discounts you may be entitled to 

Most banks, when you get a mortgage for your home, will insist that you have a house insurance policy. 

  • Carefully go through your policy details with your insurance representative to clarify your insured perils, terms and conditions, and exclusions and any other questions you may have about your coverage
  • It is advised to insure your home for its replacement value, not its cash value when you purchased it.
  • Make sure your policy (and your home) is disaster ready
  • With severe weather events on the rise, water damage coverage is a good idea for all homeowners, regardless of zoning
  • Thoroughly document the contents of your home room by room, so that you have an inventory in case of loss. The claims process will be much simpler!
  • Be transparent with your insurance company when getting a quote, or when you make some changes to your house. Let them know about any major changes you’ve made or plans to make any renovations. This will ensure you have the right coverage for your property in case of damage.
  • Talk with an insurance representative. Intact Insurance works with over 2,000 insurance brokerages and agencies who are experts in their field. They can advise you on the best protections for your needs, will inform you of the possible discounts and be there for any insurance related questions you might have.

Homeowners insurance policies will provide coverage for damages that happen to all kinds of roofs, including flat roofs, depending on the type of damages. Ask your insurance representative about the coverage you need for your home.

It depends on your home insurance policy and other factors: the reasons why the fence was broken and if it is covered by an insured peril in your policy. If it is covered, outside structures can be claimed on your house insurance policy. You can submit a claim online using our online services, or by calling 1-866-464-2424. If you are unsure about your insurance coverage, call your broker.

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Talk to a representative in Quebec

With all the home insurance coverage available and your specific needs, it can be difficult to pick the right protection. That’s why we have over 2,000 broker relationships across Canada. Insurance representatives are highly skilled in assessing your home insurance needs and offer the right coverage for your situation and budget. Chat with an insurance representative today to talk about your needs and get a home insurance quote.

Get a homeowner’s insurance quote in Quebec

Your house is your home. Find the best coverage for your needs by contacting a representative, by calling us or by getting a house insurance quote online. Getting a house insurance quote is the first step to protecting your most important asset.