Kanetix Forum

We live in Cantley, Quebec but own a house in Kingston, Ontario which has 3 tenants: the main house + 2 bachelors in the basement. We are looking for insurance for our Kingston house. Can you help? The company could insure our house in Quebec as well.

In your case, the problem is that most insurers cannot insure homes in multiple provinces. This issue has to do with "absentee landlords." If the insured does not live close by to their rental home then it becomes harder to insure. Since you are living in Quebec, but own rental property in Kingston, you fall under the category of "absentee landlords," so you will have to shop around a bit before you find an insurance provider that can insure you.

You might want to discuss your situation with a broker or a specialty insurer who specializes in "stand alone rentals with absentee landlord coverage". Below are a few recommendations:

• Cowan Dalton


• Premier Marine


• Totten Group


• Hub

Good luck with your search!

Sean Graham, KTX Insurance Brokers

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.