Vanessa in Beauharnois
Contents of $50,000
Premium: $223 per year
Premium computed in May 2026
Tenant insurance in Beauharnois 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 Beauharnois fluctuate around an average of $310, moving from $341 in 2020 to $317 in 2026. After a notable decline through 2022 ($282), premiums have stabilized in a narrow band between $308 and $324, reflecting some local market volatility offset by moderate rate adjustments.
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, tenant premiums vary by contents coverage amount: renters with $20k–$30k coverage pay $238, while those with $50k–$75k pay $349. The progression is not strictly linear — the upper tiers ($75k–$100k and $100k–$150k) show slightly lower premiums ($321 and $312), suggesting that rate adjustments reflect local risk profile and claim density beyond coverage amount alone.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $238.32 |
| 30k-50k | $312.96 |
| 50k-75k | $349.48 |
| 75k-100k | $321.24 |
| 100k-150k | $312.05 |
The average premium in 2026 is $317 per year for a tenant in Beauharnois, reflecting stabilization after fluctuations observed between 2020 and 2025.
A tenant with $30k–$50k coverage pays $313 per year, while one with $50k–$75k pays $349. Minimal coverage ($20k–$30k) costs $238.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $238 per year for basic coverage.
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 $341 in 2020 to $282 in 2022, then stabilized around $310–$320, reflecting local market adjustments and volatility in claim costs.
Comparing several insurers, increasing the deductible, and bundling coverages can reduce the $317 average premium by several dozen dollars.
Contents of $50,000
Premium: $223 per year
Premium computed in May 2026
Contents of $20,000
Premium: $222 per year
Premium computed in May 2026
Contents of $40,000
Premium: $807 per year
Premium computed in April 2026
Contents of $80,000
Premium: $212 per year
Premium computed in April 2026
Contents of $30,000
Premium: $210 per year
Premium computed in April 2026
Contents of $40,000
Premium: $221 per year
Premium computed in April 2026
Contents of $80,000
Premium: $430 per year
Premium computed in March 2026
Contents of $30,000
Premium: $263 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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