I call out Toronto and Ottawa with just as much seismic hazard as Quebec City. My physics would indicate that once an area has 'shot its load' with an M7+, then nothing will happen for hundreds of years.
As I have said before, you only need insurance if you are on a hopeless foundation. That tends to mean that every truck rattles your dishes. You might know by recent excavations in the area, or any attempt to sink fence poles. Those who are on solid rock need never worry.
The worst areas in Toronto are the swamps of Hamilton, High Park and the Beaches area. Pay the extra 5 bucks for earthquake insurance!
The same in BC. Some houses are on the hardpan that had to be blasted to build the house.
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