Dwelling and detached structures
Repairing or rebuilding your home, the garage and the other structures on your property after a covered loss.
Home Insurance in Quebec
Offered through our partner. Quote online in minutes
The coverage offered through our partner
Coverage and conditions vary by insurer and by the plan chosen.
Personal property
Your furniture, electronics, clothing and personal effects in case of fire, theft or water damage.
Civil liability
Legal fees and damages if you are held responsible for injury or damage caused to others.
Additional living expenses
Hotel, meals and temporary housing if your home becomes uninhabitable after a covered loss.
How it works
Protecto does not act as a property and casualty broker. We direct you to our partner, who handles the quote, the policy and the service that follows.
House, condo or rented home
The process adapts to your situation, whether you are a homeowner, a condo owner or a tenant.
A price in minutes
A few questions about your home and the value of your belongings are enough to get your quote.
Online or by phone
You buy directly online, or with a licensed representative of our partner if you would rather talk it through.
Protecto does not act as a property and casualty broker. The home insurance presented here is offered through our partner, who handles the quote, the purchase and the service on your policy.
Home insurance protects your home, your belongings and your civil liability against the financial consequences of a loss: fire, water damage, theft or an accident involving a third party.
What our partner does, and what Protecto does
Our partner is your broker. They compare the offers, issue your policy, answer your questions about your coverages and handle changes to your contract.
Protecto points you to them. We do not sell home insurance and we have no access to your file. Our financial security advisors handle travel, health and life insurance.
Homeowner, condo owner or tenant
Homeowner. You insure the building, your belongings and your civil liability. The law does not require it, but your mortgage lender does, in almost every case.
Condo owner. The syndicate insures the structure of the building. Your policy covers your unit, your improvements and your movable property, and can absorb the syndicate’s deductible.
Tenant. Your landlord’s insurance covers the building, not your things. Without your own policy, your belongings are not protected, and you remain responsible for damage you cause to the building or to a neighbour.
Optional coverages worth considering
- Sewer backup. Damage caused by a backup from the sewer or the septic tank.
- Surface water. Fresh water that accumulates at ground level and enters the building.
- Water infiltration. Water that gets in through the roof, a wall, a window or a door.
- Valuable items. Jewellery, musical instruments, bicycles and artwork, insured at their appraised value.
- Identity theft. The costs of restoring your identity after a fraud.
These coverages are not part of a basic policy by default. Check which ones are included before you compare two prices.
What drives your premium
- The location and the age of the building
- The type of construction, the roof, the heating and the plumbing
- The rebuilding value and the value of your belongings
- Your claims history
- The coverages and the deductible you choose
Insuring home and auto with the same insurer often lowers the total premium.
If you need to claim
A claim is settled with your insurer, not with Protecto. Contact the company named on your policy directly: they open the file, assess the damage, make the decision and pay the settlement.
Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and follow up with the insurer if things stall.
Photograph the damage before any repairs and keep your receipts.
Frequently Asked Questions
Is Protecto my home insurance broker?
No. Protecto does not act as a property and casualty broker. The home insurance presented on this page is offered through our partner, who issues your policy and services it afterwards. Our financial security advisors handle travel, health and life insurance.
What is home insurance and why do I need it?
Home insurance provides financial protection against damage to your home and its contents, as well as liability coverage for accidents that may occur on your property. It’s essential because it protects one of your most significant investments and provides peace of mind.
What does home insurance typically cover?
Home insurance typically covers:
- Dwelling: The structure of your home
- Personal property: Your belongings
- Liability: Protection if someone is injured on your property
- Additional living expenses: Costs if you can’t live in your home due to a covered claim
Coverage details vary by policy and insurer.
How to file a home insurance claim
A claim is settled with the insurer named on your policy, not with Protecto. Here is the process:
- Document the damage with photos and videos
- Contact your insurance provider immediately
- Complete claim forms with all required information
- Meet with the claims adjuster who will assess the damage
- Review the claim decision from your insurer
- Accept payment or appeal if you disagree with the decision
Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and help you interpret the insurer’s response.
As a tenant, do I really need insurance?
Yes. Your landlord’s insurance covers the building, not your personal belongings. In a fire or a theft, your furniture, electronics and clothing are not protected without your own policy. Civil liability matters too. If you cause damage to the building or to a neighbour, you are responsible for it.
Why do prices vary so much between insurers?
Each insurer uses its own pricing criteria: location, type of construction, claims history, value of the contents, and so on. That is why comparing several offers can mean significant savings for the same coverage.
Why go through our partner for home insurance?
Our partner compares offers from several insurers in a single process. You get protection adapted to your real needs, without paying for unnecessary coverage and without filling out one form per company.
Ready to get your home quote?
You will be taken to our partner's platform to get your price and buy online.
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