Odilia Sorelle in Baie-Comeau
Contents of $30,000
Premium: $542 per year
Premium computed in May 2026
Tenant insurance in Baie-Comeau covers your unit's contents and your civil liability, but not the building itself — that remains the landlord's responsibility. Although not mandatory in Quebec, it is one of the most affordable coverages available and is often required by landlords as a lease condition.
Between 2020 and 2026, average tenant insurance premiums in Baie-Comeau show notable volatility, moving from $327 to $353. The data reveals marked fluctuation with a peak at $423 in 2022, followed by decline and gradual stabilization. This variability likely reflects local pricing adjustments and variations in the coastal region's claims profile.
Several factors influence the cost of your home insurance. Insurers assess the risk associated with your property and your profile to calculate the appropriate premium. Here are the main elements taken into account:
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 |
The average premium in 2026 is $353 per year for a tenant in Baie-Comeau, reflecting stabilization after volatility observed between 2020 and 2025.
A 20k–30k coverage tier costs $298, while a 30k–50k tier costs $476 — a substantial increase reflecting a higher risk or claims profile in that category.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $282 per year for <20k coverage in Baie-Comeau.
It covers contents (furniture, electronics, clothing), additional living expenses after a loss, and civil liability toward the landlord and neighbors. It does not cover the building.
Premiums moved from $327 in 2020 to a peak of $423 in 2022, then stabilized around $353 in 2026, reflecting local pricing adjustments and variations in regional claims activity.
For a 20k–30k coverage tier, a representative bracket, the premium is $298 per year.
Contents of $30,000
Premium: $542 per year
Premium computed in May 2026
Contents of $20,000
Premium: $473 per year
Premium computed in May 2026
Contents of $40,000
Premium: $259 per year
Premium computed in May 2026
Contents of $20,000
Premium: $287 per year
Premium computed in April 2026
Contents of $60,000
Premium: $272 per year
Premium computed in March 2026
Contents of $40,000
Premium: $295 per year
Premium computed in March 2026
To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria
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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