Welcome to LMBF Assurances
LMBF offers home insurance designed for future-oriented homeowners, tailored to protect your family's most important asset. Whether your property is a single-family home, a semi-detached house, or a townhouse, we have what you need. Our brokers offer unique solutions for all home sizes and shapes, so Quebec residents can always have the peace of mind of knowing they have sufficient home insurance coverage.
Home insurance in Quebec does not necessarily have a standard “amount” that would be sufficient. It all depends on your personal circumstances. LMBF doesn't just suggest that you opt for the “cheapest” home insurance. On the contrary, we help you find an affordable plan at a lower cost. In Quebec, home insurance is necessary if you have a mortgage, it provides you with the funds you need to repair or restore your home, and helps you pay for a lawyer if you are sued. An LMBF home insurance broker can help you determine all of your home insurance needs.
In the event of a disaster, including perils such as fire, flood, flood, theft, and vandalism, your personal belongings are covered by your home insurance. If residents of Quebec have higher-value items, such as expensive jewelry or fur, they may want to supplement their coverage with a special content limit endorsement to ensure that the added value of these goods is also protected.
Your home insurance includes coverage for the physical structure of your home. This includes the roof, siding, windows, etc., but also any structures attached to your home, such as garages or patios.
Your standard home insurance policy includes civil liability, which covers your personal liability for attorney fees and defense costs if you are sued by a third party. Unfortunately, as our society becomes more and more procedural, this coverage has become more and more critical.
Protects your home against property damage and certain insurable risks.
Protects your civil liability in case of personal injury or material damage caused to others in everyday life.
Protects buildings that are separate from your primary residence, such as a garage or a shed.
Additional living expenses. Simple and essential protection adapted to your situation.
Covers your jewelry and valuables beyond the standard limits of your policy.
Add extra protection when your basic insurance limits are exceeded.
Sewer backup. Simple and essential protection adapted to your situation.
Protects the assets and activities associated with a business operated from your home.
Protects boats and watercraft against damage, theft and civil liability.
Protects your home and your belongings against damage caused by an earthquake.
Protects a cottage or a second home against disasters and civil liability.
Coverage adapted to high-end homes, including higher limits and extended protections.
Certain high-risk features can increase your home insurance premiums, such as a wood-burning fireplace and a swimming pool. Be sure to disclose all these features to your insurer when taking out a policy, as you risk having your claims denied if you hide the existence of one of these special features.
There isn’t one single cheapest insurer for everyone in Ontario. Pricing varies based on location, claims history, home features and coverage needs. Instead of focusing only on price, LMBF helps you find an affordable policy that protects what matters most.
Home insurance pricing in Ontario depends on the property value, construction type, location, claims history, protection systems and selected coverages. The best way to estimate your cost is to request a personalized quote based on your specific situation.
Home insurance in Ontario generally covers sudden and accidental damage such as fire, theft, vandalism and certain types of water damage, along with personal liability protection. Optional endorsements may be required for sewer backup, overland water or other specific risks depending on your property.
Premium increases in Ontario can be influenced by severe weather trends, rising rebuilding costs, increased claims frequency, insurer market conditions or changes to your home’s risk profile. Even without a claim, broader market factors can affect pricing.
In Ontario, gradual leaks or maintenance issues are usually not covered under standard policies. Optional endorsements such as sewer backup or overland water may provide protection for certain types of water damage. Coverage details vary by insurer and wording.
