In Baie-Comeau, your premium depends on several factors: the property value, the exact postal code, the year of construction, and your insurance history. Pick the profile that matches your situation to see the typical premiums recently obtained by ClicAssure clients.
In Baie-Comeau, the premium structure across value tiers reveals an irregular progression and substantial gaps that far exceed what reconstruction value alone would explain. Properties under $400k pay $1196, while those from $400k to $500k climb to $1465. However, above $600k, premiums accelerate dramatically: $3354 for $600k–$700k, then $2074 for $700k–$800k, and up to $3390 for $1M+. This high-tier volatility is driven primarily by exposure to coastal flood zones, the specific risk profile of waterfront properties, and limited coverage availability for high-risk properties in the region.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1212.06 |
| 400k-500k | $1408.51 |
| 500k-600k | $1208.53 |
| 600k-700k | $3634.01 |
| 700k-800k | $1777.30 |
| 800k-900k | $2635.99 |
| 1M-2M | $3390.17 |
In Baie-Comeau, tenant premiums vary significantly by contents coverage amount. The 30k–50k tier shows $476, notably higher than other categories, while the <20k tier costs $282 and the 20k–30k tier $298. This non-linear progression suggests that tenants covering more contents (30k–50k) face substantially higher pricing, possibly due to a higher claims profile or risk exposure in that category.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $316.68 |
| 30k-50k | $340.61 |
| 50k-75k | $301.33 |
| 75k-100k | $332.04 |
Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.
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