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Retirement Home Insurance

Protect your home and enjoy peace of mind in a retirement residence

Standard home insurance in Quebec does not always cover the specific needs associated with a retirement home, also known in Quebec as a private seniors’ residence. If you, a parent, or a loved one will soon be moving into a retirement home, it is important to obtain home or tenant insurance specifically adapted to this type of housing.

With ClicAssure, you can submit one single online request and receive multiple insurance quotes from insurers operating in Quebec and Canada, allowing you to compare coverage options and save on your retirement home insurance. Whether you are a resident, a caregiver, or a property owner, choosing the right coverage is essential to avoid unexpected gaps in protection.

With ClicAssure, you can:

  • complete one online insurance request,
  • receive multiple home or tenant insurance quotes,
  • easily compare coverage and prices,
  • save on insurance adapted to a retirement home or private seniors’ residence (RPA).

Thanks to our network of over 120 insurance partners, ClicAssure is one of the best ways in Quebec to find the best possible price for home or tenant insurance in a retirement home.

👉 Request your insurance quotes today and find retirement home insurance that protects what matters most, while staying within your budget.

Retirement Home Insurance

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Frequently Asked Questions About Retirement Home Insurance

1. Why is specific insurance for a retirement home important?

Living in a retirement home involves specific realities that directly affect insurance needs in Quebec, including:

  • shared common areas,
  • frequent presence of visitors and staff,
  • close proximity to other residents,
  • increased risks related to reduced mobility.

A standard home or tenant insurance policy may not adequately cover these realities. Insurance adapted to retirement homes and RPAs helps prevent unexpected exclusions in the event of a claim.

2. What coverage should be included in retirement home insurance?

2.1 Personal Property Coverage

Even in a retirement home, your belongings have value. This coverage generally protects:

  • furniture and personal belongings,
  • clothing,
  • electronic devices.

It typically covers losses caused by theft, fire, or certain types of water damage, as defined by Quebec insurance policies.

2.2 Civil Liability Insurance

Civil liability insurance is essential for residents of retirement homes in Quebec. It can protect you if:

  • a visitor is injured in your unit,
  • you accidentally cause damage to another unit or to common areas of the residence.

Many private seniors’ residences (RPAs) in Quebec require residents to carry civil liability coverage.

2.3 Coverage for Common Areas

Depending on your lease agreement and whether you are a tenant or an owner, damage to common areas may be covered by the residence’s master insurance policy or require individual coverage. It is important to clearly understand:

  • what is insured by the retirement home or RPA,
  • what must be insured personally by the resident.

2.4 Optional Coverages

Depending on your situation, you may wish to add:

  • coverage for valuable personal items,
  • enhanced protection against water damage,
  • insurance for electronic equipment,
  • coverage adapted to roommates or frequent visitors.

3. Is insurance mandatory in a retirement home in Quebec?

This depends on the agreement with the retirement home. Many private seniors’ residences in Quebec require or strongly recommend that residents hold civil liability insurance, and sometimes tenant insurance.

4. Is tenant insurance sufficient for a retirement home?

In some cases, yes. However, the tenant insurance policy must be specifically adapted to the reality of retirement homes in Quebec, including shared spaces and services offered.

5. Are personal belongings covered in supervised housing?

Yes, provided that the insurance policy explicitly includes personal property coverage for the resident, even in supervised or assisted housing environments.

6. How much does retirement home insurance cost in Quebec?

Insurance premiums vary depending on the insurer, coverage limits, and the type of residence. That’s why comparing multiple quotes is essential. With ClicAssure, you can quickly submit an online request and compare prices from insurers offering coverage in Quebec.