Dany in Beloeil
Property of $1,320,000
Premium: $3775 per year
Premium computed in May 2026
In Beloeil, home insurance for homeowners reflects a dynamic residential market located along the Richelieu River. Flood-zone exposure and proximity to waterways significantly influence local premiums, warranting careful attention when shopping for coverage.
Between 2020 and 2026, average home insurance premiums for homeowners in Beloeil fluctuate between $1166 and $1532, with no clear linear trend. The rise from 2020 to 2022 ($1166 to $1496) is followed by a dip in 2023 ($1325), then a rebound in 2024 ($1532) and stabilization around $1410 in 2025–2026. These variations reflect local market adjustment in response to weather-related claims and flood-zone exposure.
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 Beloeil, the premium climbs roughly $120 to $150 per $100k value increment up to $800k, but shows marked acceleration beyond: a property of $800k–$900k pays $1872, while $1M+ properties reach $3672. This non-linear curve reflects the combined influence of flood-zone exposure and local risk profile, which can shift premiums more than reconstruction value alone. A representative $500k–$600k home pays $1382 per year.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $879.71 |
| 400k-500k | $1201.85 |
| 500k-600k | $1366.47 |
| 600k-700k | $1399.39 |
| 700k-800k | $1376.94 |
| 800k-900k | $1808.73 |
| 1M-2M | $3028.58 |
| 2M+ | $6959.87 |
The average premium in 2026 is $1415 per year for a homeowner in Beloeil, reflecting stabilization after fluctuations in prior years.
The premium climbs roughly $120 to $150 per $100k value increment up to $800k. A representative $500k–$600k home pays $1382 per year, but flood-zone exposure can amplify this progression.
Between 2020 and 2026, premiums range from $1166 to $1532, reflecting market adjustment in response to weather-related claims and flood-zone exposure specific to the Richelieu region.
Flood-zone exposure significantly influences premiums in Beloeil, partly explaining the non-linear variations observed, including marked acceleration for high-value properties.
$3672 per year — a figure reflecting both high reconstruction value and heightened exposure to flood-zone risks for premium properties.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1415 average premium by several hundred dollars.
Property of $1,320,000
Premium: $3775 per year
Premium computed in May 2026
Property of $500,000
Premium: $824 per year
Premium computed in May 2026
Property of $600,000
Premium: $1531 per year
Premium computed in May 2026
Property of $600,000
Premium: $1966 per year
Premium computed in May 2026
Property of $550,000
Premium: $1317 per year
Premium computed in May 2026
Property of $320,000
Premium: $1384 per year
Premium computed in May 2026
Property of $670,000
Premium: $991 per year
Premium computed in May 2026
Property of $500,000
Premium: $1166 per year
Premium computed in May 2026
Property of $10,000
Premium: $637 per year
Premium computed in April 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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