Do I need earthquake insurance in Québec?

In Québec, earthquake insurance is an optional coverage. This means it’s not automatically included under your home insurance policy. What many Québec homeowners aren’t aware of, however, is that the area between Montreal and Ottawa actually has quite a bit of seismic activity!

If you live in an area in Québec that’s at a higher risk for quakes (like the Charlevoix region), you might think about adding the earthquake endorsement to your policy. Quake damage can be pretty serious, since it can affect your home’s structure and foundation. Take time to learn what the risk is in your region so you can make an informed decision.

Remember, earthquake deductibles work a little differently than your regular policy deductible. So, be sure to review and understand how your policy would handle it should something happen. We’ve written a handy blog that breaks it down a little more.

Just looking for a quote? You can add earthquake coverage while you’re doing your online quote. And the good news is, it only takes around five minutes! No fuss – no need to call in to buy your policy if you’re ready to go.

If you’re already insured with Sonnet, you can quote to add it directly through your online account.

And as always, our Customer Service Heroes are here to answer any questions you might have. Just reach out via email or chat and we’re happy to help!