Richard in Beauharnois
Property of $150,000
Premium: $269 per year
Premium computed in April 2026
In Beauharnois, the condo market reflects a distinct local risk profile, where the interaction between the condo corporation's coverage and the unit owner's individual policy requires careful attention. Understanding the limits of each coverage helps avoid costly gaps.
Over the available period (2023–2026), average condo insurance premiums in Beauharnois show notable volatility, moving from $374 in 2023 to $412 in 2024, then declining to $358 in 2025 before a significant increase to $759 in 2026. This variation likely reflects local market adjustments and changes in the risk 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 Beauharnois, the progression of premiums by condo value reveals a non-linear structure: condos of $150k–$200k show $245, those of $250k–$300k jump to $1666, while higher tiers ($300k–$350k at $625, $350k–$400k at $476) display significant variation. This discontinuity may reflect flood-zone exposure and risk profile specific to each segment of the Beauharnois market.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $245.47 |
| 200k-300k | $1666.18 |
| 300k-400k | $550.84 |
The average premium in 2026 is $759 per year for a condo in Beauharnois, reflecting a notable increase compared to previous years.
The progression varies non-linearly: a condo of $150k–$200k pays $245, while a $250k–$300k condo pays $1666 per year, reflecting significant variation by market segment and flood-zone exposure.
Flood-zone exposure and local risk profile play a major role, shifting premiums more than reconstruction value alone.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $759 per year in Beauharnois.
Increasing the deductible, bundling auto and home, installing water detectors, and comparing several insurers can reduce the $759 average premium by 10–20%.
Property of $150,000
Premium: $269 per year
Premium computed in April 2026
Property of $300,000
Premium: $625 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.
© 2026 This website and trademark « ClicAssure » are used under license by ClicAssure, cabinet de services financiers inc. All rights reserved. ClicAssure, cabinet de services financiers inc. is a financial services firm registered in Quebec
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