Home Insurance Quebec

Searching for home insurance that fits your needs? Don't give up! We can help you find coverage to protect your home and belongings from most damage caused by Quebec's winter storms – and other events too, like fire, theft, and falling objects. More than 108,0003 Quebecers have a home insurance policy with TD Insurance.

With vibrant cities, scenic National Parks, and more than a million lakes and streams in the surrounding area, Quebec is a wonderful place to live. But its freezing cold winters and hot, humid summers make home insurance essential for anyone buying a home in the province. Whether you live in Montreal, Gatineau – or call another part of Quebec home, having the right insurance can help protect your home from problems that may arise from frigid winter temperatures, high winds, and melting snow.

Home insurance can help you avoid having to pay a large lump sum to repair your home or replace your belongings due to a covered claim. It may also help you pay for additional living expenses if you're unable to live in your home while it's being repaired. In fact, your mortgage provider will require you to have a home insurance policy in place for your closing date. As a TD Insurance customer, you can use your MyInsurance online account to manage your policies and track your claims 24/7.

If you're looking for home insurance in Quebec, start by getting a quote online.

Home Coverage for your house

It's not just your house, it's the place you call home. That's why we offer the following coverages:

  1. All risks: Covers your home and belongings against all causes of loss—except those directly mentioned as exclusions in your policy.

  2. Water damage coverage: Insurance coverage for a variety of interior water damage-based scenarios including damage caused by the rupture of a heating, plumbing, sprinkler, or air conditioner system. Coverage also includes water damage caused by the escape of water from a domestic water container or appliance, like a dishwasher or a washing machine

  3. Extended water damage coverage††: Additional and optional coverage to cover damages as result of exterior water backing up from sewers or septic tanks, below ground water seepage through walls, foundations and basement floors and overland water from any stream or body of freshwater that enters your home.

  1. Rebuilding to code: Additional costs to repair or rebuild damaged portions of your home to code due to a covered claim.

  2. Personal liabilityYou’re protected in case a visitor gets injured on your premises, or if you’ve accidentally damaged someone’s property and have to pay for the damages.

  3. Additional living expenses: Includes additional costs for temporary accommodations so you can stay somewhere comfortable if you can't stay at home because of a covered claim.

  4. Legal and home assistance††: When you bundle your home and car insurance with TD Insurance, you get access to free over-the-phone legal assistance from an external service provider and referrals to our pre-qualified network of home contractors.

††Automatically included, subject to eligibility.

Enhanced Home Coverage for your house

In addition to the coverage listed above, you could be eligible for Enhanced Home Coverage for even more protection. Find out more details when you get a home insurance quote:

  • Family coverage : Protection for situations like cyberbullying and parents living in nursing homes.
  • Eco-efficient rebuild: Provides additional coverage above and beyond the cost of repairs as outlined in your policy to allow for eco-efficient upgrades following a covered loss.
  • Claim forgiveness : When your policy renews, your premium won’t be negatively impacted due to your first at-fault claim.
  • Enhanced limitations: Increases the amount of coverage for high-value items, such as fine art, wine, spirits, some collectibles, jewellery and more.

Boost your coverage with optional add-ons

Customize your Home Insurance to suit your unique needs and preferences with additional add-ons.

  • Online Quote Savings

    Enjoy extra savings when you get a home insurance quote online.

  • Home Security Savings

    Get rewarded for having a connected alarm for water damage and theft or fire.

  • Multi-home Savings

    If you’re getting insurance for multiple homes, you can save on your premium.

  • Newly Built Home Savings

    If your home is a new build, you can get even more savings on insurance.

Find the right home insurance to suit your needs and your budget. Get started with our online quote tool to check out our competitive home insurance rates — you'll get your quote in minutes.

Home Insurance Quebec: Frequently Asked Questions

  • While you're not legally required to have cottage insurance, it is highly recommended. Whether you have a cottage, cabin, or bunkie, learn more about your insurance options to find the coverage that's right for you.

  • Yes. Fire damage is covered under your home insurance policy – and that includes forest fires. Find out how your home insurance works in the event of a fire, and what to do if you've been impacted.

  • It doesn't matter whether you rent or own your home, the place in which you live is an investment. Home insurance can help you cover the cost of damage and repairs to your home and/or your belongings due to a covered claim. Find out which of our home insurance packages could be right for you.

  • Generally speaking, you shouldn't have to make any changes to your coverage, nor should your rate change if you're working from home on a full-time or part-time basis. However, it's important to understand the difference between working from home, being self-employed and operating a business from your home.

1 In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!
Offers may be changed, withdrawn or extended at any time without notice.

5% Savings on Home Insurance (Quebec only) Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

3 Based on the number of TD Insurance residential insurance customers in Quebec as of November 16, 2023.

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.
In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence Please speak to an Advisor or consult your policy wordings for further details.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6