Home Insurance Solutions with LMBF Insurance

LMBF offers home insurance designed for the forward-looking homeowner, tailored to protect your family’s most important asset. Whether your property is a single home, a semi-detached house, or a row house, we’ve got you covered. Our brokers offer uniquely-made solutions for all sizes and shapes of homes, so Quebec residents can always have peace of mind that they have sufficient home insurance protection.

Home Insurance Solutions: What it Covers

Third-Party Liability

Third-Party Liability

Included with your standard home insurance policy is third-party liability, which covers your personal liability from lawyer fees and defense costs if you are sued by a third-party. Unfortunately, as our society becomes increasingly litigious, this coverage has become progressively more critical.

Physical Dwelling

Physical Dwelling

Your home insurance includes coverage for the physical structure of your home. This includes the roof, sidings, windows, etc., but also covers any structures attached to your home, such as any garages or patios.

Personal Property

Personal Property

In the event of a loss, including perils such as fire, flooding, theft, and vandalism, your personal items are covered by your home insurance. If Quebec residents own any higher value items, such as expensive jewelry or furs, they may wish to supplement their coverage with a special content limit rider to ensure the added value of these belongings is protected, too.

  What home insurance covers
  • Unexpected and sudden losses
  • Fire and theft
  • Third-party liability
  • Outbuildings
  • Your belongings
  What home insurance excludes
  • Wear-and tear damage
  • Mould and infestation
  • Intentional actions
  • Acts of war
  • Certain dog breeds

How much home insurance do you need in Quebec?

Home insurance in Quebec doesn’t necessarily have a standard “amount” that will suffice. It all depends on your personal circumstances. LMBF goes above and beyond and doesn’t simply suggest you go with the “cheap” home insurance option. Instead, we help you find an affordable plan for less. In Quebec, home insurance is necessary if you have a mortgage, provides you the necessary funds to repair or restore your home, and helps you pay for a lawyer if you are ever sued. An LMBF home insurance broker can help you determine your overall home insurance needs.

Types of Home Insurance Coverage

Chances are, you’ll never have to deal with such a devastating event as a home fire or worse. The better prepared we are for the unexpected, the less likely we are to ever have to front a loss. Consider the following home insurance options below. Some are included with your standard home insurance in Quebec, and some are optional.

Dwelling coverage

Dwelling coverage

  • Roof
  • Sidings
  • Windows
  • Garages
  • Patios
Personal Liability

Personal Liability

  • Slips and falls
  • Property damage
  • Lawsuit expenses
  • Settlement fees
  • Dog bites
Detached structures

Detached structures

  • Sheds
  • Fencing
  • Signage
  • Landscaping
Additional living expenses

Additional living expenses

  • Hotel bills
  • Food
  • Accommodation
  • Travel
  • Clothes
Jewelry rider

Jewelry rider

  • Jewelry
  • Furs
  • Collectibles
  • Wine
  • Art
Umbrella liability

Umbrella liability

  • Extended liability
  • Claims in excess of basic
  • Expensive lawsuits
Sewer backup

Sewer backup

  • Sump pump rupture
  • Damaged sewer lines
  • Sewer backup
  • Septic system
Home-based business

Home-based business

  • Office equipment
  • Client activity
  • Inventory


  • Motorboats
  • Pontoons
  • Fishing boats


  • Property
  • Outbuildings
  • Earth movements
Seasonal dwelling

Seasonal dwelling

  • Theft
  • Fire
  • Vandalism
  • Flooding
High-value home

High-value home

  • Guaranteed replacement cost
  • Unlimited additional living
  • Professional appraisal

Our Home Insurance partners

LMBF only works with the most reputable home insurance companies in Quebec and selects those who have extensive experience with writing home insurance. The companies LMBF partners with understand the home insurance needs of Quebec residents and can help designate unique policies tailored to their needs.

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Home Insurance in Quebec: Frequently Asked Questions

A: The cost of home insurance in Quebec will vary depending on your policy, insurance provider, and then a number of you-specific details, such as the age of your home, its systems, any high-risk features like swimming pool or a wood-burning stove, and more. You can get a rough estimate for how much your home insurance will cost by applying for a free home insurance quote with LMBF.

A: Home insurance in Quebec will generally cover unexpected or abrupt events causing damage, such as fire, vandalism, theft, and some forms of flooding. It covers your physical dwelling, your contents, and your third-party liability. For additional coverage, discuss with LMBF’s home insurance brokers about acquiring a home insurance endorsement.

A: Generally, your standard home insurance policy will not cover water leaks or seepage that occurs over time. You can, however, purchase additional sewer backup coverage or overland water insurance to cover separate instances of water damage. Keep in mind that water damage that occurs due to a lack of maintenance will generally not be covered.

A: Some higher risk features may increase your home insurance premiums, like a wood-burning fireplace and swimming pools. Be sure to fully disclose any features like this to your insurance provider when purchasing a policy, as you can run the risk of claims being denied if you hide the existence of any of these special features.

A: LMBF wants to help you find cheap home insurance so that you can be covered for less, but “cheap” doesn’t always mean the best option. Instead, we want you to find an affordable plan that meets your needs. Sometimes, cheap home insurance can mean cutting corners, and we want you as the homeowner to feel like you are secure at all times.

A: Sometimes, home insurance premiums will increase - even if you haven’t made a claim recently or made any changes to your living circumstances (although this is the most common reason for claims going up.) It could be due to a higher frequency of extreme weather, changes in crime rates in your area, or the fact that your home is aging and that your systems might be outdated. The older your systems, the likelier you are to make a claim.