Mélissa in Boisbriand
Property of $470,000
Premium: $1348 per year
Premium computed in May 2026
In Boisbriand, home insurance for homeowners reflects a dynamic residential market in the northern suburbs of Montreal. Premiums vary significantly based on reconstruction value and local risk exposure, making careful comparison between insurers worthwhile.
Between 2019 and 2026, average home insurance premiums for homeowners in Boisbriand show notable volatility, moving from $1248 to $1719. This uneven trajectory — with a peak at $1799 in 2025 — reflects market adjustments to weather-related claims, fluctuations in reconstruction costs, and changes in the local risk profile of the region.
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 Boisbriand, premiums climb roughly $200 to $250 per $100k value increment, with marked acceleration in the higher tiers. A representative $500k–$600k home pays $1685 per year, while properties above $900k see premiums rise significantly. Flood-zone exposure and the local risk profile play a determining role in this progression, potentially explaining larger gaps than reconstruction value alone would suggest.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1010.03 |
| 400k-500k | $1400.38 |
| 500k-600k | $1664.55 |
| 600k-700k | $1791.29 |
| 700k-800k | $1764.37 |
| 800k-900k | $1833.86 |
| 900k-1000k | $3589.46 |
| 1M-2M | $2600.33 |
| 2M+ | $11512.69 |
The average premium in 2026 is $1719 per year for a homeowner in Boisbriand, reflecting a volatile market since 2019.
The premium climbs roughly $200 to $250 per $100k value increment. A representative $500k–$600k home pays $1685 per year, with notable acceleration in the higher tiers.
The volatility between 2019 and 2026 — with a peak at $1799 in 2025 — reflects market adjustments to weather-related claims, fluctuations in reconstruction costs, and changes in the local risk profile.
$1084 per year for a home under $400k, representing the most affordable entry point in the local market.
Above $900k, premiums climb to $3301 (900k–1M) and $3874 (1M+), reflecting increased flood-zone exposure, high reconstruction value, and the more complex risk profile of these properties.
Comparing several insurers, increasing the deductible, bundling auto and home, and installing an alarm system can reduce the $1719 average premium by several hundred dollars.
Property of $470,000
Premium: $1348 per year
Premium computed in May 2026
Property of $510,000
Premium: $1764 per year
Premium computed in May 2026
Property of $520,000
Premium: $2062 per year
Premium computed in May 2026
Property of $350,000
Premium: $1887 per year
Premium computed in May 2026
Property of $400,000
Premium: $1107 per year
Premium computed in May 2026
Property of $500,000
Premium: $1697 per year
Premium computed in May 2026
Property of $630,000
Premium: $1613 per year
Premium computed in May 2026
Property of $600,000
Premium: $1735 per year
Premium computed in May 2026
Property of $420,000
Premium: $1908 per year
Premium computed in May 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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