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HOME INSURANCE FOR TENANTS
HOME INSURANCE FOR CONDOMINIUM OWNERS
HOME INSURANCE FOR RENTAL PROPERTY OWNERS

Stack up the discounts and save!*

Average savings of $565
Bundling discount
Bundle your auto, home and recreational vehicle insurance and save even more.
Up to 10% off
Exclusive discounts for iA clients
Get an additional discount if you have other products with iA Financial Group such as life, disability or critical illness insurance products, savings products, etc.
Up to 15% off
Home security discount
Save on your premium if you have a centrally monitored home security system.
Even more savings!
Other discounts
Other discounts available: years at same address, zero claims, mortgage-free, etc.

Quick and easy claims!

When damages happen, we're here to help. Count on our expert advice and assistance for your home insurance claims.

  • 24/7 claims service
  • Reassuring and immediate support
  • One of the fastest post-accident reimbursement times on the market
Make a claim

Coverage designed for you

Basic coverage

Recommended

Personal liability

Personal liability coverage is strongly recommended. It covers harm that you may unintentionally cause to others, at home or elsewhere.

Examples:

  • A delivery driver is injured when they slip on your home’s icy steps.
  • You’re staying at a hotel during your holidays. Your child throws a ball and accidentally breaks a window.
Recommended

Specified perils

We cover your property against the risks listed in the insurance contract, including fire, theft and vandalism.

Recommended

All risks

As the name suggests, this insurance covers you against all risks, EXCEPT for perils excluded from your insurance contract. The excluded perils should be listed in your policy. This is the most comprehensive coverage, as it enhances the basic protection provided by Specified Perils coverage while covering additional risks such as water damage.

What it covers:

  • Residential building: This includes not only your home, but also any permanent equipment inside, such as a heat pump, for example.
  • Outbuildings: This refers to any additional structure that is not physically attached to the dwelling and that is permanently installed on the insured premises. Examples: shed, garage.
  • Personal property: This means ALL of your property, whether it’s your furniture, clothes or household appliances.
  • Living expenses: This insurance covers the costs of accommodation and living expenses if your home becomes unusable due to a covered loss.

Additional Coverage Options

Water damage

Did you know that water damage accounts for nearly half of all home insurance claims in Quebec? That's why it's important to have good coverage and to know how to prevent water damage.

Groundwater and sewer

No more worrying about sewer backups with this coverage for accidental water damage as a result of:

  • A sewer or septic tank backup
  • Water seeping through your foundation
  • A broken or malfunctioning sump pump

Our flexible coverage is among the best on the market. You can tailor the coverage to your personal needs.

Above-ground water

This coverage protects you against water damage caused by sudden, accidental water leakage through the roof, doors, windows, etc.

Water inlet

This coverage pays the costs of demolition and repair to fix a water inlet. It’s a low cost option compared to the expense of repairing water damage.

Read this article for all the details.

Pool/hot tub

This option covers damage caused by freeze-thaw cycles and collapse caused by the weight of snow or ice, among other things.

Fuel oil overflow or leaks

This option covers damage to insured property caused by an accidental leak or overflow from an oil tank, a pipe to the furnace or connected system components. Decontamination is included in the coverage.

Specific personal belongings

Some personal items, such as jewellery or bicycles, may have coverage limits because of their high value or risk of theft. With this coverage, we insure the full value of these items.

Earthquake

This option covers damage caused by an earthquake and any subsequent damage, like water seeping through a window that was damaged during the quake.

Even though major earthquakes are rare in Quebec, there are hundreds of small tremors in eastern Canada every year.

Read this article to learn how to protect yourself in an earthquake

My Client Space
to make your life easier!

Manage your auto and home insurance online easily and securely, whenever you want, in My Client Space.

  • Manage your products
  • Consult your documents
  • Replace or add a car to your insurance policy
  • Access your digital car insurance certificate
  • And much more!
My Client Space

An Advice Zone to support you every day

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3 min
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2 min
See more home insurance advice

Frequently Asked Questions

Home insurance protects your home (whether it’s a house, condo or apartment), your personal property and your civil liability in the event of damage. Coverage differs based on whether you are a homeowner, condo owner or tenant.

To choose the right coverage, it’s essential to determine your needs.

To get a price online:

  1. Have the details of your current policy on hand.
  2. Note the key features of your home (age, type, materials).
  3. Estimate the value of your belongings.
  4. Request your quote here: get your home insurance quote now.

Your home insurance premium depends on:

  • Selected coverages
  • Claims history
  • Building features (age, materials, condition)

Here are some tips to lower your home insurance premium:

  • Bundle your home and auto insurance policies. This will help you save on both premiums.
  • Let us know if you have other iA Financial Group products. Adding them to your file could save you up to 10%*. (*Certain conditions, limitations and exclusions apply. Subject to change without notice.)
  • Install a home security system connected to a monitoring centre. Protecting your home against theft and fire will give you a discount on your home insurance premium.
  • Contact us. Updating your file will ensure your coverage is right for your current situation. We can offer you a range of attractive options.
  • And if your situation has changed following a marriage, divorce, move, etc., it’s important to let us know. You should also notify us of any renovations or improvements to your home.

Unlike auto insurance, home insurance is not mandatory in Quebec. But it is highly recommended in order to cover your personal property and your civil liability. Imagine if a fire started in your home or a broken pipe caused serious water damage. Without home insurance, you will have to pay for the repairs yourself. That’s why it’s important to make sure you’re covered! Home insurance is a must.

As a tenant, you should know that even if the owner of your building has insurance coverage, your belongings are not included. Also, if you rent an apartment, your landlord may require you to have tenant insurance so that you are covered for any harm you may cause to others (liability coverage). Get tenant insurance today.

Buy your insurance online now!

Save money on your car!

Learn more about auto insurance

Save money on your recreational vehicle!

Learn about recreational vehicle insurance

* Certain conditions apply. Subject to change without notice.

** Named Canada’s best auto insurer by Canadian consumers in the Forbes 2025 “World’s Best Insurance Companies” survey.

Living outside Quebec?

Our auto and home insurance products are offered only in the province of Quebec.
Our partner Surex can help you with your insurance needs to cover your home.

Learn more
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