Jennifer in Brossard
Property of $450,000
Premium: $814 per year
Premium computed in May 2026
In Brossard, the home insurance market for homeowners reflects a dynamic suburban setting near Montreal, with significant flood-zone exposure and notable market volatility. Shopping around with multiple insurers remains essential to find the best premium.
Between 2019 and 2026, average home insurance premiums for homeowners in Brossard show marked volatility, moving from $1017 in 2019 to $1332 in 2026. The overall trajectory shows a roughly 31% increase over the period, with notable fluctuations reflecting market adjustments, changes in claim frequency, and shifts in local climate risk 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 Brossard, premiums climb roughly $94 to $150 per $100k value increment up to $700k, then accelerate sharply beyond. A representative $500k–$600k home pays $1196 per year, while properties in the $800k–$900k and $1M+ tiers reach $2492 and $3563 respectively. This marked acceleration in higher tiers reflects flood-zone exposure, local risk profile, and concentrated claims in higher-value sectors.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $774.53 |
| 400k-500k | $1036.69 |
| 500k-600k | $1179.54 |
| 600k-700k | $1491.50 |
| 700k-800k | $1436.72 |
| 800k-900k | $2586.58 |
| 900k-1000k | $2371.95 |
| 1M-2M | $2420.88 |
| 2M+ | $11591.06 |
The average premium in 2026 is $1332 per year for a homeowner in Brossard, up roughly 31% since 2019.
The premium climbs roughly $94 to $150 per $100k value increment up to $700k, then accelerates sharply. A representative $500k–$600k home pays $1196 per year.
The marked acceleration in higher tiers ($2492 for $800k–$900k, $3563 for $1M+) reflects flood-zone exposure, local risk profile, and concentrated claims in higher-value sectors.
Variations reflect market adjustments, changes in claim frequency, and shifts in local climate risk exposure, particularly flood-zone exposure in Brossard.
$820 per year for a home under $400k — the entry level of the Brossard homeowner market.
Comparing several insurers, installing an alarm system, increasing the deductible, and bundling auto and home can reduce the $1332 average premium by several hundred dollars.
Property of $450,000
Premium: $814 per year
Premium computed in May 2026
Property of $510,000
Premium: $538 per year
Premium computed in May 2026
Property of $300,000
Premium: $1099 per year
Premium computed in May 2026
Property of $630,000
Premium: $820 per year
Premium computed in May 2026
Property of $900,000
Premium: $2203 per year
Premium computed in May 2026
Property of $700,000
Premium: $1876 per year
Premium computed in May 2026
Property of $600,000
Premium: $1628 per year
Premium computed in May 2026
Property of $430,000
Premium: $709 per year
Premium computed in May 2026
Property of $400,000
Premium: $505 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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