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The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.
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La Capitale is one of the largest insurers in Quebec, with a long history of providing services to the public sector in the province. The insurer was founded in 1940 by federal employees and now provides insurance, investment funds, mortgages and other financial products to the workers of more than 800 institutions in Quebec.
La Capitale is headquartered in Quebec City and while the province it calls home is its largest market, the insurance company has a presence in Ontario as well.
If you’re in the market for home insurance and are looking at La Capitale, we recommend doing an insurance quote with us here at LowestRates.ca to compare your options to find the coverage that’s right for you.
La Capitale ranks highly for satisfaction among home insurance customers. The J.D. Power 2019 Canada Home Insurance Satisfaction Study found that La Capitale tied for third in satisfaction with a rating of 809 in its home province of Quebec. It didn’t rank outside the province, but that’s to be expected given that Quebec is its main market.
| Province | User satisfaction rating |
|---|---|
| Atlantic/Ontario | — |
| Quebec region | — |
| Western region |
|
Your home insurance policy will be customized to suit your needs and the property you’re insuring.
Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.
Here are some of the criteria insurance companies look at when calculating your premium.
La Capitale offers a number of discounts and special programs to help you get the most out of your insurance. The company highlights on its website that the average consumer saves $425 by bundling their home, auto or leisure vehicle insurance together. La Capitale also offers free coverage to protect your professional materials (such as tablets and cameras). Finally, the insurance company touts the “best water damage coverage on the market”, offering a number of add ons such as sewer backup and flood damage protection.
Below, we take a closer look at what you can get with La Capitale:
La Capitale home insurance also offers some special programs that you can take advantage of.
Pay a single deductible - If you’re hit with a loss on two or more items you insure with La Capitale, you only have to pay a single deductible.
Free coverage for professional materials - Items such as cameras, computers, tablets, tools and books are all eligible for free coverage under your home insurance policy as part of La Capitale’s “professional materials” perk.
Claim forgiveness coverage - For as little as a few dollars a month, you can get claims forgiveness on your La Capitale insurance, which will prevent your insurance rates from going up if you make up to two claims in a five year period.
Legal access insurance - This provides you access to one of La Capitale’s lawyers to get assistance with legal questions.
Yes. You can download the La Capitale app on Google and Apple devices. The app gives you access to your Client Centre, where you can update your information or view your home or auto insurance documents.
La Capitale requires you to call its claim service if you’re filing a home insurance claim. It encourages you to call if you’re unsure whether to file a claim or want to get more information.
You can check the progress of your filed claim and upload any supporting documentation online using the La Capitale app.
La Capitale provides a whole suite of insurance products in addition to home insurance, as well as offering various other financial products. Here’s a quick look at what else you can get with La Capitale.
Alexandra Bosanac
About the Author
Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.
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