Home Insurance

Everyone has access to the insurance products we offer on our website. You are warmly welcomed to request a quote for any of them that are of interest to you.

Naturally, we provide special benefits for CAA-Quebec members, such as discounts on various insurance premiums as well as preferential rates. Becoming a member to take advantage of these benefits could prove worthwhile for you. Feel free to discuss it with one of our advisors.

The first step is to contact your advisor. If you are not satisfied with the information they provide, you can write to us. For more details, including contact information, please refer to our Complaint Handling and Dispute Resolution Policy.

The insurance company first determines the risk you represent. Several factors are involved in this calculation:  

• Region and neighbourhood where you live (frequent burglaries in the area, remote countryside, densely populated area, etc.) 

• Proximity of a fire hydrant and a fire station  

• Type of building (date of construction, cladding, size, cost to rebuild, etc.) 

• Heating system(s) 

• Quality of the electrical system (recent wiring or not) 

• Age of piping and roofing 

• etc. 

You could pay less if your home is equipped with a central alarm system, if you don’t smoke, if your house is free and clear of all mortgages, if you have no prior claims or if you’ve been with your insurer for a long time. 

Another way to lower your premium is by paying a higher deductible (your share of the claim). But be careful: make sure you can afford to such an amount in case of an unexpected event.

Ideally, yes, you should take an inventory of your property. Following a fire or burglary, when you would inevitably be stressed, would you be able to remember all the details about your home? Would you remember the cost of each item? By taking an inventory of your property now, you’ll avoid hassles later. Once the claim file is closed, it’s difficult to obtain compensation for items you forgot to mention.  

In addition, an inventory is a good way to determine the coverage you need. To take it, list the items in each room along with the date of purchase, brand, model and approximate price, if possible. Attach your invoices, receipts, warranty certificates and user guides to your list: they may serve as proof of ownership. Also, take pictures or videos of all your valuables. Keep all this information in a safe place, such as in a fire-resistant safe or a safety deposit box at the bank, or keep a copy online.  

Lastly, don’t forget to update your list when necessary.

In most cases, yes. Coverage depends on the type of water damage and the protections included in your policy. Insurers use their own risk assessment tools, not just government mapping. For more information, see our advice on flood zone mapping. 

No. Basic home insurance policies do not cover damage caused by an earthquake. For insurance against that kind of risk, you need special coverage called an earthquake endorsement. Read our advice on Earthquake Insurance in Quebec: How Does It Work?

Certain conditions apply. The insurer reserves the right to choose the risks it covers.

1. Discount available when an insured person who is a CAA-Quebec member holds both Auto Insurance and Home Insurance for a house, apartment, or condominium. Discount varies from one file to another. New customers who are CAA-Quebec members and combine Auto and Home insurance are offered 50 CAA Dollars. Both policies must be purchased on the same day. This CAA Dollars rebate offer ends on March 30, 2026.

2. Average savings calculated on the basis of data collected between January 1, 2022, and January 24, 2023, from 1044 new customers who took out the Auto No-Stress Policy® and the Home No-Stress Policy® and achieved savings by switching insurers. This amount represents the average savings reported by customers and does not constitute a guarantee of savings.

3. Services reserved for holders of a Home No-Stress Policy®. Conditions and exclusions apply.

4. The rebate in CAA Dollars will be applied to the member’s file within a few days of the effective date of their Auto Insurance policy (100% electric vehicles or plug-in hybrids only). At the time of deposit of the CAA Dollars, the insured must still own an electric vehicle insured by Prysm and a valid CAA-Quebec membership card. It cannot be combined with any other promotion. However, if two promotions are running simultaneously, our agents will suggest the one that is most advantageous for you. CAA-Quebec employees are not eligible.