Home, condo, auto, or recreational vehicle in Montréal. Describe what you want to protect; a damage insurance broker registered with the AMF calls you back and compares coverage with you.
The housing stock in Montréal
Montreal’s housing stock is dominated by plexes and condos, two types lenders treat differently from a suburban bungalow: rental income from a duplex or triplex enters the calculation, and a condo means reviewing the syndicate’s financial statements.
Sectors: Le Plateau-Mont-Royal · Rosemont–La Petite-Patrie · Villeray · Ahuntsic · Verdun · Côte-des-Neiges
Transfer duties in Montréal
Montreal applies additional brackets beyond the provincial thresholds. An identically priced property therefore costs more in transfer duties in Montreal than in most other Quebec cities.
Transfer duties are paid in cash after signing with the notary; they are not included in the mortgage loan.
What the lowest premium can hide
Two contracts at the same price can differ on the deductible, exclusions, replacement cost, or water damage coverage. A broker compares the protection before comparing the numbers.
Risks particular to Montréal
Sewer backup, infiltration, water damage, theft: the frequency and cost of these claims vary by sector and building age. Some coverage is optional when people assume it is included.
Why no price is shown here
A damage insurance premium depends on the building, the claims history, and the coverage chosen. A figure shown without those would be misleading.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.