Alain in Chambly
Contents of $80,000
Premium: $427 per year
Premium computed in May 2026
Tenant insurance in Chambly 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 Chambly show notable volatility, moving from $479 in 2020 to $331 in 2026. After a peak in 2020, premiums experienced a significant decline through 2022 ($293), followed by moderate fluctuations. This overall downward trend of roughly 31% over six years suggests gradual market stabilization and rate adjustment in the local area.
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 Chambly, tenant premiums progress steadily with contents coverage amount, moving from $203 for under $20k to $389 for $75k–$100k. A representative tenant with $20k–$30k coverage pays $293 per year. The gap between tiers primarily reflects the insured contents value, with local risk profile playing a secondary role for this coverage type.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $293.13 |
| 30k-50k | $307.95 |
| 50k-75k | $370.30 |
| 75k-100k | $427.32 |
The average premium in 2026 is $331 per year for a tenant in Chambly, down roughly 31% since 2020.
The premium scales with insured value: $203 for under $20k, $293 for $20k–$30k, and $389 for $75k–$100k. A representative tenant with $20k–$30k coverage pays $293 per year.
The 31% decrease between 2020 and 2026 reflects gradual market stabilization and rate adjustment following an initial 2020 peak.
No, it is not mandatory in Quebec, but it is often required by landlords and remains very affordable, starting at $203 per year for minimal 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.
Comparing several insurers, increasing the deductible, and bundling auto and home with the same insurer can reduce the $331 average premium by several dozen dollars.
Contents of $80,000
Premium: $427 per year
Premium computed in May 2026
Contents of $30,000
Premium: $203 per year
Premium computed in May 2026
Contents of $50,000
Premium: $400 per year
Premium computed in May 2026
Contents of $50,000
Premium: $521 per year
Premium computed in April 2026
Contents of $50,000
Premium: $294 per year
Premium computed in April 2026
Contents of $20,000
Premium: $332 per year
Premium computed in April 2026
Contents of $20,000
Premium: $204 per year
Premium computed in March 2026
Contents of $40,000
Premium: $242 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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