{"id":19601,"date":"2026-10-26T12:24:17","date_gmt":"2026-10-26T16:24:17","guid":{"rendered":"https:\/\/www.assuranciagt.com\/?p=19601"},"modified":"2026-10-26T12:27:03","modified_gmt":"2026-10-26T16:27:03","slug":"how-much-does-home-insurance-cost-in-quebec","status":"publish","type":"post","link":"https:\/\/www.assuranciagt.com\/en\/understanding-insurance\/how-much-does-home-insurance-cost-in-quebec\/","title":{"rendered":"How Much Does Home Insurance Cost in Quebec?"},"content":{"rendered":"    <section class=\"wysiwyg || section || different-background bg-secondary\">\r\n        \r\n<span class=\"absolute top-[-120px] left-0\" ><\/span>        <div class=\"wrapper ||  \">\r\n            <div class=\"wysiwyg-container \">\r\n    <p>There\u00a0is\u00a0no\u00a0fixed\u00a0price\u00a0for <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fassurance-particulier%2Fhabitation%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279030024%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Tg11niOj6V9VwtTfSiqQMdCiMVI8alFMLf28590Gbhg%3D&amp;reserved=0\" data-outlook-id=\"a3c988b3-2f9e-4192-aeb7-b2886a83b528\">home insurance<\/a>\u00a0in\u00a0Quebec. The\u00a0cost\u00a0varies\u00a0depending\u00a0on\u00a0factors\u00a0such\u00a0as the type of home, the\u00a0property\u2019s\u00a0characteristics,\u00a0its\u00a0location and the\u00a0coverage\u00a0selected.\u00a0Whether\u00a0you\u00a0are a <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fprimary-residence%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279043064%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=2Maj7aeBmPONOKyCDqIy5Fymwrv6mqVgHTNDAUuMlbQ%3D&amp;reserved=0\" data-outlook-id=\"bf56ccae-7452-4898-87d5-124accf0ab13\">homeowner<\/a>, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fcondo-and-co-ownership%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279056505%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=jgRz5qnWMqzjkIZeN%2BQUtDp46ELWFmgP60Z3Dglrbms%3D&amp;reserved=0\" data-outlook-id=\"b8fd1b88-14e2-4c19-8660-816526f5aa19\">condo\u00a0owner<\/a>\u00a0or <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Ftenant-or-roommate%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279069674%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=rv33cO8kv%2FdspJwXA%2F61Etzq%2BPBjZ5%2BZTSC3Et2Qgao%3D&amp;reserved=0\" data-outlook-id=\"b0418c32-d889-4860-835b-0a75b9c980cf\">tenant<\/a>,\u00a0several\u00a0factors\u00a0can affect\u00a0your\u00a0premium. To learn more about the coverage available for <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fprimary-residence%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279083569%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=VhCABe1evW5n%2BM5Ce7laS9lxtzrXWJU1m5%2FDYquOjmI%3D&amp;reserved=0\" data-outlook-id=\"c0dee891-0e70-4c24-bb6b-c2bf9c415b7d\">primary<\/a> and <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fsecondary-residence-and-cottage%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279096654%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=aLPkA%2Bkgsh1M%2BcJ%2FX6nORjWq%2FFdW%2BsCUBwDDe2xOKow%3D&amp;reserved=0\" data-outlook-id=\"3551e52f-091f-4f8f-9283-d6dbaedd89c2\">secondary residences<\/a>, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fcondo-and-co-ownership%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279109726%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=P2CmWGy2I4Btwy2DrmhBlPMZXngcOt4MsJJ56Y85Dtk%3D&amp;reserved=0\" data-outlook-id=\"b7941e78-8d84-4b3d-a564-8f9819d29b19\">condos<\/a>, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fprestige-property%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279122919%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=bP3FWh%2BH7%2BTzl0v%2FWQb1cbyFs8hJfiooZGl0QQ5XSLE%3D&amp;reserved=0\" data-outlook-id=\"84f04912-203a-4b5e-9584-ec18b8d48d1e\">high-value properties<\/a> and <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fshort-term-rental-airbnb-and-others%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279136446%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=soWuyHOodXjncFQeivaDQz4MrLkU4za2DcPSum7g2nU%3D&amp;reserved=0\" data-outlook-id=\"40d01d6c-75c1-4986-b555-d0599c866a76\">rental housing<\/a>, visit our <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279152274%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=4A5rdzZGlx3fxYi5%2BUrPBMR%2BYCTtWDNpLeWEILoBVis%3D&amp;reserved=0\" data-outlook-id=\"b642876e-6273-451b-9131-4c1915deaefd\">home insurance page<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>What\u00a0factors\u00a0affect the\u00a0cost\u00a0of home\u00a0insurance?\u00a0<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Several\u00a0characteristics\u00a0of\u00a0your\u00a0home can affect the\u00a0cost\u00a0of\u00a0your\u00a0premium.\u00a0According\u00a0to the Autorit\u00e9 des march\u00e9s financiers,\u00a0insurers\u00a0may\u00a0take\u00a0into\u00a0account:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>the\u00a0number\u00a0of\u00a0housing\u00a0units;<\/li>\n<li>the\u00a0year\u00a0the building\u00a0was\u00a0constructed;<\/li>\n<li>the\u00a0primary\u00a0and\u00a0secondary\u00a0heating\u00a0systems;<\/li>\n<li>the\u00a0proximity\u00a0of a\u00a0fire\u00a0hydrant;<\/li>\n<li>the\u00a0coverage\u00a0selected.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>The\u00a0amount\u00a0of\u00a0insurance,\u00a0endorsements\u00a0and type of\u00a0policy\u00a0selected\u00a0can\u00a0also\u00a0affect the final\u00a0cost. A basic\u00a0policy\u00a0generallycosts\u00a0less\u00a0than\u00a0one\u00a0that\u00a0provides\u00a0more extensive\u00a0coverage.<\/p>\n<p>&nbsp;<\/p>\n<p>Your\u00a0needs\u00a0may\u00a0also\u00a0differ\u00a0depending\u00a0on\u00a0whether\u00a0you\u00a0are\u00a0insuring\u00a0your <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fprimary-residence%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279172781%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=cUt05bmrN%2FaP8JFRn%2F1FCzmNsw9PbTpGhGdSaTawT4E%3D&amp;reserved=0\" data-outlook-id=\"4e2142a4-10c8-4be2-9f15-84ed82b08e87\">primary\u00a0residence<\/a>, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fcondo-and-co-ownership%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279188324%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=fLxLSUlepBqEeyjfBBYia%2Fj7wp2BbZbFkbTqynIWSWA%3D&amp;reserved=0\" data-outlook-id=\"b179e4b7-3a35-44c7-86f6-709c67d9f6b9\">condo<\/a>, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Fsecondary-residence-and-cottage%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279202683%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=Zz1lUeGGG6OBQXO6vidbuphw%2FfRjiZmXbp7Ycg2k0PQ%3D&amp;reserved=0\" data-outlook-id=\"f2e3fd76-9db5-4e49-8c5c-215cd4881165\">cottage<\/a> or a\u00a0property you\u00a0occupy\u00a0as a <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2Ftenant-or-roommate%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279216877%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=HgOXrT3MHL1CSDIe4riJtVge545czLdSHmc4bzMXNIM%3D&amp;reserved=0\" data-outlook-id=\"a1fe8792-f9dc-4af4-abd3-1c1d387c282f\">tenant<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>If\u00a0your\u00a0situation or\u00a0property\u00a0changes,\u00a0be\u00a0sure to\u00a0discuss\u00a0it\u00a0with <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fassurance-particulier%2Fhabitation%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279230810%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=OC3aSNyXXIZ7%2FY9Yw%2BTCiJlf7EmhBGCyeDM0HFZP6bQ%3D&amp;reserved=0\" data-outlook-id=\"1a52a600-2bb7-4b1b-88cc-2bd3910fccfd\">your home insurance broker<\/a>\u00a0to\u00a0make\u00a0sure\u00a0your\u00a0coverage continues to\u00a0meet\u00a0your\u00a0needs.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Why\u00a0does\u00a0the\u00a0cost\u00a0of home\u00a0insurance\u00a0vary\u00a0from\u00a0one\u00a0insurer\u00a0to\u00a0another?\u00a0<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>The\u00a0cost\u00a0can\u00a0vary\u00a0because\u00a0each\u00a0insurer\u00a0uses\u00a0its\u00a0own\u00a0criteria\u00a0to\u00a0determine\u00a0premiums. The Autorit\u00e9 des march\u00e9s financiers notes\u00a0that\u00a0prices\u00a0can\u00a0vary\u00a0significantly\u00a0and\u00a0recommends\u00a0shopping\u00a0around\u00a0for\u00a0insurance.<\/p>\n<p>&nbsp;<\/p>\n<p>When\u00a0comparing\u00a0offers,\u00a0don\u2019t\u00a0look at the premium\u00a0alone. Be sure to compare:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>the\u00a0amount\u00a0of\u00a0insurance;<\/li>\n<li>the\u00a0deductible;<\/li>\n<li>the\u00a0coverage\u00a0included;<\/li>\n<li>endorsements\u00a0added\u00a0to the\u00a0policy;<\/li>\n<li>exclusions;<\/li>\n<li><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>A\u00a0less\u00a0expensive\u00a0insurance\u00a0policy\u00a0does\u00a0not\u00a0necessarily\u00a0provide\u00a0the\u00a0same\u00a0coverage. A <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279247436%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=S4uIH6eSI5jC3pJwqWOEC9%2Fm2egbnvEx5V5x%2BylZ47c%3D&amp;reserved=0\" data-outlook-id=\"656111ce-219b-4c4b-93c5-80f4104df9ff\">broker<\/a> can help\u00a0you\u00a0assess\u00a0your\u00a0needs\u00a0and compare\u00a0different\u00a0options.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Does the\u00a0coverage\u00a0you\u00a0choose\u00a0affect the\u00a0cost\u00a0of home\u00a0insurance?\u00a0<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Yes.\u00a0Adding\u00a0coverage\u00a0to\u00a0your\u00a0policy\u00a0can affect the\u00a0amount\u00a0of\u00a0your\u00a0premium. Certain\u00a0risks\u00a0or\u00a0belongings\u00a0are not\u00a0automatically\u00a0covered\u00a0by a basic home\u00a0insurance\u00a0policy\u00a0and\u00a0may\u00a0require\u00a0additional\u00a0coverage.<\/p>\n<p>&nbsp;<\/p>\n<p>According\u00a0to the Autorit\u00e9 des march\u00e9s financiers, certain types of water damage\u00a0coverage, for\u00a0example,\u00a0may\u00a0need\u00a0to\u00a0beadded\u00a0to\u00a0your\u00a0policy.\u00a0Available\u00a0coverage\u00a0and conditions can\u00a0vary\u00a0from\u00a0one\u00a0insurer\u00a0to\u00a0another.<\/p>\n<p>&nbsp;<\/p>\n<p>Water damage\u00a0deserves\u00a0particular\u00a0attention. To\u00a0learn\u00a0more about\u00a0prevention,\u00a0read\u00a0our\u00a0article <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fcomprendre-lassurance%2Fcomment-prevenir-les-dommages-causes-par-leau%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279287372%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=ZNdwaiuuuJZhEFobazHLef47FO8se0XUkzQ7%2FLmKVPE%3D&amp;reserved=0\" data-outlook-id=\"59f53b4e-716c-4341-afb8-b3151e0ed3a6\">Water Damage: How to Protect Your Home and Prevent Losses<\/a>. It\u00a0includes\u00a0advice\u00a0on\u00a0plumbing, water\u00a0heaters\u00a0and\u00a0seasonal\u00a0precautions.<\/p>\n<p>&nbsp;<\/p>\n<p>Take the time to\u00a0review\u00a0your\u00a0policy\u2019s\u00a0coverage, exclusions and limitations\u00a0with\u00a0your\u00a0broker\u00a0rather\u00a0than\u00a0choosing\u00a0basedsolely\u00a0on the premium.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>How can\u00a0you\u00a0pay\u00a0less\u00a0for home\u00a0insurance?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Comparing\u00a0offers,\u00a0bundling\u00a0certain\u00a0insurance\u00a0policies\u00a0and\u00a0adjusting\u00a0your\u00a0deductible\u00a0can help\u00a0reduce\u00a0the\u00a0cost\u00a0of home\u00a0insurance. The Autorit\u00e9 des march\u00e9s financiers\u00a0recommends,\u00a0among\u00a0other\u00a0things:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>comparing\u00a0offers\u00a0from\u00a0different\u00a0insurers;<\/li>\n<li>bundling\u00a0your\u00a0auto and home\u00a0insurance\u00a0when\u00a0a discount\u00a0is\u00a0available;<\/li>\n<li>checking\u00a0whether\u00a0your\u00a0alarm\u00a0system qualifies\u00a0you\u00a0for a discount;<\/li>\n<li>increasing\u00a0your\u00a0deductible\u00a0if\u00a0your\u00a0financial\u00a0situation\u00a0allows\u00a0you\u00a0to\u00a0pay\u00a0a\u00a0higher\u00a0amount\u00a0in the\u00a0event\u00a0of a claim.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Before\u00a0increasing\u00a0your\u00a0deductible,\u00a0however, check how\u00a0much\u00a0you\u00a0will\u00a0actually\u00a0save\u00a0on\u00a0your\u00a0premium and\u00a0make\u00a0sure\u00a0you are\u00a0comfortable\u00a0paying\u00a0that\u00a0amount\u00a0if\u00a0you\u00a0need\u00a0to\u00a0make\u00a0a claim.<\/p>\n<p>&nbsp;<\/p>\n<p>You can\u00a0also <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fsoumission%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279306388%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=z4t%2BnGTJf6lQAu5i80KNwc3qoGMFOHeEEVx1saXzqMk%3D&amp;reserved=0\" data-outlook-id=\"398e8128-751b-4dc0-a5e8-b3601cb9ad73\">request an insurance quote<\/a>\u00a0to explore options\u00a0that\u00a0fit\u00a0your\u00a0situation.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Why\u00a0is\u00a0my\u00a0home\u00a0insurance\u00a0premium\u00a0increasing?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Your\u00a0premium\u00a0may\u00a0increase\u00a0when\u00a0your\u00a0property,\u00a0personal\u00a0situation,\u00a0coverage\u00a0or\u00a0your\u00a0insurer\u2019s\u00a0pricing\u00a0changes.<\/p>\n<p>&nbsp;<\/p>\n<p>Renovations\u00a0or\u00a0significant\u00a0changes to\u00a0your\u00a0home\u00a0may\u00a0affect the\u00a0risk\u00a0being\u00a0insured. The Autorit\u00e9 des march\u00e9s financiers\u00a0reminds\u00a0consumers\u00a0of the importance of\u00a0informing\u00a0their\u00a0insurer\u00a0of\u00a0any\u00a0situation\u00a0that\u00a0could\u00a0influence the\u00a0insurer\u2019s\u00a0decision\u00a0to\u00a0provide\u00a0coverage\u00a0or\u00a0determine\u00a0the premium.<\/p>\n<p>&nbsp;<\/p>\n<p>The value of\u00a0your\u00a0belongings\u00a0can\u00a0also\u00a0change over time. To help\u00a0you\u00a0review\u00a0what\u00a0you\u00a0own,\u00a0read\u00a0our\u00a0article <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fles-outils-pratiques%2Fcinq-etapes-pour-evaluer-vos-biens%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279322524%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=DjZ1iPMXhmHqxFu8W0svlog5CPjckszLTBwhHwE6tV0%3D&amp;reserved=0\" data-outlook-id=\"0e01b3ac-cd56-4ade-9489-d0fcdbcf09d1\">Five Steps to Assess the Value of Your Belongings<\/a>,\u00a0which\u00a0explains\u00a0how to\u00a0create\u00a0and update an\u00a0inventory\u00a0of\u00a0your\u00a0belongings.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Tip:<\/strong>\u00a0Let\u00a0your <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279339054%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=6c96sVPPIDxaGAEbP3p6qpGHvnsiKE5UKL2l5ziXgQM%3D&amp;reserved=0\" data-outlook-id=\"a4e7abff-87fe-43ec-afff-53a804e5866a\">broker<\/a> know\u00a0whenever\u00a0you\u00a0make\u00a0significant\u00a0changes to\u00a0your\u00a0property\u00a0so\u00a0you\u00a0can\u00a0determine\u00a0whether\u00a0your insurance\u00a0policy\u00a0needs\u00a0to\u00a0be\u00a0adjusted.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Is\u00a0it\u00a0worthwhile\u00a0to bundle home and auto\u00a0insurance?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Yes.\u00a0Bundling\u00a0your\u00a0home and auto\u00a0insurance\u00a0with\u00a0the\u00a0same\u00a0insurer\u00a0may\u00a0allow\u00a0you\u00a0to\u00a0receive\u00a0a discount. The Autorit\u00e9 des march\u00e9s financiers\u00a0indicates\u00a0that\u00a0some\u00a0insurers\u00a0offer\u00a0discounts to\u00a0customers\u00a0who\u00a0insure\u00a0both\u00a0their\u00a0vehicle\u00a0and home\u00a0withthe\u00a0same\u00a0company.<\/p>\n<p>&nbsp;<\/p>\n<p>If\u00a0you\u00a0own\u00a0a <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fcar%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279367436%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=%2BulhgIm7JgaGiXvOHdB40i5Pr2%2B5BcFJ7bfWWLd8jJY%3D&amp;reserved=0\" data-outlook-id=\"4cf4fedf-027a-447a-887a-688f1b57cf28\">vehicle<\/a>,\u00a0you\u00a0can\u00a0also\u00a0visit\u00a0our <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fassurance-particulier%2Fautomobile%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279381105%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=fg6byci10k3IwfeDb4MJouT4WC1brJQvh9TduYpfmUs%3D&amp;reserved=0\" data-outlook-id=\"30bda40e-4ee7-4e2c-bfd3-35c794dbd223\">auto insurance<\/a>\u00a0page that also\u00a0offers\u00a0the <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fsynchro-program%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279394567%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=%2FbPpWDh7NXJzqF6HsOoklCiXbUYpuBBa7eqYnDzbFfQ%3D&amp;reserved=0\" data-outlook-id=\"83db3075-fdca-43be-926e-6faeb9ffea98\">Synchro Program<\/a> as an option for\u00a0bundling <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fcar%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279408226%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=wrXgS5LmMw2h0jfy2kGi6O8lWYMaTbUWQPjtiT%2BzgdQ%3D&amp;reserved=0\" data-outlook-id=\"615f4f87-e3e3-4d72-b073-5ce2fd3c28cd\">auto<\/a> and <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279421362%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=5AFhKFL33XTfv7mESLciZcsMzfjVPNdbE61Tx9n4NKM%3D&amp;reserved=0\" data-outlook-id=\"5d4aebc4-dd85-4064-9e92-f0ecf1a0c004\">home\u00a0insurance<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Because\u00a0discounts and conditions can\u00a0vary,\u00a0be\u00a0sure to compare\u00a0both\u00a0the\u00a0cost\u00a0and the\u00a0coverage\u00a0offered\u00a0before\u00a0making\u00a0a\u00a0decision.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Find\u00a0Home\u00a0Insurance\u00a0That Meets\u00a0Your\u00a0Needs\u00a0<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Price\u00a0is\u00a0important, but\u00a0your\u00a0home\u00a0insurance\u00a0should\u00a0above\u00a0all\u00a0reflect\u00a0your\u00a0property\u00a0and\u00a0your\u00a0individual\u00a0situation. Take the time to\u00a0review\u00a0your\u00a0coverage,\u00a0deductible\u00a0and the\u00a0specific\u00a0terms\u00a0of\u00a0your\u00a0policy\u00a0so\u00a0you\u00a0clearly\u00a0understand\u00a0what\u00a0is\u00a0covered.<\/p>\n<p>&nbsp;<\/p>\n<p>If\u00a0you\u00a0experience\u00a0a\u00a0loss,\u00a0you\u00a0can\u00a0also\u00a0visit\u00a0our <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Freclamation%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279433565%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=HGcb30vkV8MMPhar9Yq%2FgR7JmgDf0SzQEUuM6Wd32A8%3D&amp;reserved=0\" data-outlook-id=\"3bce3c7f-0a5d-4fd5-a1e2-b31163605bab\">Claims<\/a>\u00a0page for information about the\u00a0steps\u00a0to\u00a0take\u00a0and the information\u00a0you may\u00a0need\u00a0when\u00a0making\u00a0a claim.<\/p>\n<p>&nbsp;<\/p>\n<p>To\u00a0find\u00a0out how\u00a0much\u00a0insurance\u00a0suited\u00a0to\u00a0your\u00a0situation\u00a0may\u00a0cost, <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fsoumission%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279446151%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=DaEdtgDHm77yDbxmuu2ynkjGiDyHg9FbhO1r8R%2FaU3A%3D&amp;reserved=0\" data-outlook-id=\"f0651d06-433c-4348-9d45-6b5cf25186cd\">request a quote<\/a>\u00a0or contact\u00a0your <a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.assuranciagt.com%2Fen%2Fpersonal-insurance%2Fhome-insurance%2F&amp;data=05%7C02%7Cnlizotte%40assuranciagt.ca%7C8a35bfe1653d411f1d6108df313e2d7b%7C9f70943bcde24ec1b27b68c0d2dcbb81%7C0%7C0%7C639283815279458477%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=chHh%2FWzUDdsoM4jkF8x0kk83Nsgka0jEgTYY3NGSb7s%3D&amp;reserved=0\" data-outlook-id=\"9bec9077-5e3f-40ee-b023-c0cbb2b132fc\">broker<\/a>.<\/p>\n<p><em>\u00a0<\/em><\/p>\n<\/div>        <\/div>\r\n    <\/section>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":19604,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"wds_primary_category":16,"footnotes":""},"categories":[16],"class_list":["post-19601","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-understanding-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/posts\/19601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/comments?post=19601"}],"version-history":[{"count":3,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/posts\/19601\/revisions"}],"predecessor-version":[{"id":19609,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/posts\/19601\/revisions\/19609"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/media\/19604"}],"wp:attachment":[{"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/media?parent=19601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assuranciagt.com\/en\/wp-json\/wp\/v2\/categories?post=19601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}