End of the agricultural season
6 min
Information to have on hand
To receive your quote quickly, here is the information that will be useful to have on hand.
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured
For your home
- Property type and year of construction
- Number of units in the building
- Presence of a business in the building and its type, if applicable
- Main heating system
- Nearest fire hydrant
For your belongings
- Coverage amounts for your contents
- High-value items to be insured (jewellery, collections, works of art, bicycle, etc.)
Tenant’s insurance: Important coverage for your home in Quebec
Your landlord insures the building you live in. However, their policy does not cover your personal belongings. In the event of a fire, theft, or water damage, your tenant’s insurance covers the replacement of your furniture, clothing, electronics, and personal effects.
General liability coverage is also included. If you accidentally cause damage to another person or to the building, your insurance covers a claim or lawsuit, anywhere in the world.
Tenant’s insurance is not mandatory in Quebec. However, it protects you against significant losses. A La Turquoise broker can help you choose coverage that meets your insurance needs.
Contact us for a quote
Recommended coverages
Water damage, a fire, theft, or a general liability lawsuit can happen without warning. Here is how tenant’s insurance can protect you.
General liability
If you and your family are held legally responsible for accidental damage caused to others, this coverage may pay for legal fees and amounts claimed. It applies at home and anywhere in the world.
Coverage includes:
- Medical bills for injuries caused to another person
- Legal fees related to your defence
- Damage caused to another person’s property
- A fire in your unit spreads to neighbouring units
- Your washing machine leaks and damages the unit below
- Your child breaks your neighbour’s window.
Personal belongings
Tenant’s insurance covers damage to your personal belongings: furniture, clothing, electronics, and personal effects.
- A fire damages your furniture and appliances
- Water damage affects your clothing or computer
- A theft occurs in your apartment
Living expenses
If your home becomes uninhabitable after a covered loss, your insurance covers additional living expenses during repairs. This includes hotel costs, meals, and clothing you may need during your temporary absence.
- Major water damage makes your apartment uninhabitable.
- A fire requires temporary relocation
High-Value items
Some items exceed standard coverage limits. An endorsement can be added to your policy to protect them adequately. Speak with your La Turquoise broker.
- Jewellery and valuable watches
- Bicycle or e-bike
- Collections, works of art, or musical instruments
Additional coverages
Some situations fall outside the scope of a basic renters insurance policy. These optional coverages let you adjust your protection based on your needs.
Water damage
Water losses are among the most common claims in Quebec. Several coverages are available depending on the source of the damage.
- Sewer back-up: Water backing up through a drain or toilet can cause significant damage in a short time. This coverage may pay to replace damaged belongings in your home. It may also cover additional living expenses.
- Water damage from outside: Rain, snow, or ice entering through the roof, walls, doors, or windows may be covered under this endorsement.
- Flood: If a body of water overflows, this coverage may apply to damage caused to your belongings.
- Groundwater: Water seeping through the foundation or floor of your home may be covered under this endorsement.
Identity theft
This coverage pays for certain costs related to restoring your identity following fraud or a cyberattack. It also gives you access to an assistance service.
- Costs to replace identity cards or documents
- Assistance to complete the steps required after fraud
- Lost wages during the process of restoring your identity
Professional activities
Do you run a small business or work as a self-employed professional from home? This coverage applies to your business and professional activities carried out at your residence, as set out in your policy.
A La Turquoise broker must be notified if you carry out professional activities from your home.
Legal fees
Some disputes can lead to significant costs. This coverage may pay for a portion of legal fees and gives you access to a legal assistance service.
- Legal consultation to understand your rights in a dispute
- Reimbursement of certain fees in an eligible legal matter
- Disputes related to a lease, a neighbour conflict, or an employment matter
Short-Term rentals
Do you rent your home or a room on a platform such as Airbnb? This coverage applies to damage that occurs during rental periods, as set out in your policy.
Your La Turquoise broker must be notified if you list your home for short-term rental.
- Damage caused by a guest during their stay
- General liability if a guest is injured in your home
Earthquake
A renters insurance policy does not cover damage caused by a seismic event. This endorsement protects your belongings if an earthquake occurs.
- Tremors that damage your personal belongings
- Damage that makes your rental unit temporarily uninhabitable
Save on your premium
Your La Turquoise broker helps you identify the discounts that apply to your situation. Savings vary depending on your profile and the coverage you choose.
Auto and home insurance discount
Bundling your auto and home insurance through a broker may help reduce your premium. This combination can sometimes provide a more advantageous rate by grouping several policies with the same insurer.
FADOQ members (Fédération de l’âge d’or du Québec)
Some insurers offer benefits to FADOQ members. In addition to a discount on auto and home insurance, some programs may include additional coverage or services for eligible members.
Affiliated associations and partners
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
No results found.
Your questions about renters’ insurance
Do you have questions about renters’ insurance in Quebec? This section answers the most common questions. It explains available coverage, exclusions, and factors that can affect the cost of your insurance. This information can help you decide before choosing coverage or requesting a quote.
No, renters’ insurance is not mandatory in Quebec. No law requires tenants to purchase home insurance. However, some landlords may require it as part of the lease.
Renters insurance generally covers three main elements.
- Your personal belongings: furniture, clothing, electronics, and other personal effects if they are damaged by theft, fire, or water damage.
- Your general liability: if you accidentally cause damage to another person or to the building, your insurance covers legal expenses and any amounts you are required to pay.
- Additional living expenses: if your dwelling becomes uninhabitable following a covered loss, it may cover temporary accommodation and meals.
You can also add optional coverage based on your needs, including water damage, coverage for professional activities carried out at home, or protection for high-value items.
No. Your landlord’s insurance covers the building and its structure. It does not cover your personal belongings or your general liability.
If a loss occurs and you do not have renters’ insurance, you are responsible for replacing your belongings. If you damage the building or a neighbour’s property, you could be held personally liable for the costs.
Yes, and it is often beneficial. Most insurers offer an auto and home discount when you bundle your auto and home insurance policies with the same insurer. This discount can help reduce the cost of both premiums.
A La Turquoise broker can compare available options based on your profile and help determine whether bundling is advantageous for your situation.
Choosing insurance is not just about comparing prices. It is also about understanding what is covered, what is not covered, and having someone to guide you when a problem arises.
A direct insurer offers its own products. A broker compares options, explains coverage, and makes recommendations based on your situation. They can also help you find the option that best fits your needs.
Your broker helps you understand your coverage, identify gaps, and adjust your protection as your needs evolve.
Practical tips for everyday life
See all our tipsEnd of the agricultural season
Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance
Role, benefits and differences from a direct insurer
Career opportunities in property and casualty insurance
Building a meaningful career through real impact
Breaking into property and casualty insurance: the real path
Insurance solutions designed for your everyday life
Every situation is different. We offer coverage tailored to your needs, whether for your personal property, your activities, or your business.
