Yves in Trois-Rivières
Property of $200,000
Premium: $292 per year
Premium computed in May 2026
Condo insurance in Quebec covers your unit and personal belongings, complementing the condo corporation's coverage of common areas. Although not mandatory, it is often required by lenders and condo boards, and remains essential to avoid costly coverage gaps.
Between 2019 and 2026, average condo insurance premiums in Quebec show moderate volatility, fluctuating between $498 and $575. After peaking at $575 in 2019, premiums stabilize around $500–$570 before converging toward $501 in 2026. This trajectory reflects cyclical market adjustments and gradual stabilization of claim costs.
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:
Premiums for condo owners vary significantly by city, ranging from $343 in Trois-Rivières to $558 in Montreal — a gap of roughly 63%. Montreal ($558), Laval ($509), and Brossard ($504) show the highest premiums, while Trois-Rivières ($343), Gatineau ($398), and Terrebonne ($412) offer the most competitive rates. This variation is driven primarily by flood-zone exposure, building age, and water-damage claim density in older buildings in major urban centers.
| City | Average price over the last 12 months |
|---|---|
| BROSSARD | $501.96 |
| DRUMMONDVILLE | $291.89 |
| GATINEAU | $410.36 |
| LAVAL | $477.80 |
| LÉVIS | $448.48 |
| LONGUEUIL | $452.80 |
| MONTRÉAL | $556.48 |
| QUÉBEC | $470.61 |
| REPENTIGNY | $461.39 |
| Saguenay | $450.35 |
| SAINT-JEAN-SUR-RICHELIEU | $466.27 |
| SAINT-JÉRÔME | $516.06 |
| SHERBROOKE | $488.84 |
| TERREBONNE | $402.42 |
| TROIS-RIVIÈRES | $362.01 |
The average premium in 2026 is $501 per year for a condo owner in Quebec, reflecting stabilization after years of moderate volatility.
Trois-Rivières sits at $343 per year, followed by Gatineau ($398) and Terrebonne ($412). These cities benefit from limited flood-zone exposure and a more moderate risk profile.
Montreal shows $558 per year, $55 above the Quebec average. This gap is driven by urban density, flood-zone exposure, and water-damage claim frequency in older buildings.
It covers your unit's contents, personal improvements, your civil liability, and additional living expenses after a loss. The common building is covered by the condo corporation.
No, it is not legally mandatory, but it is typically required by lenders and condo boards as a condition of financing or residence.
Montreal costs $558 versus $343 in Trois-Rivières — a $215 gap (63%). This reflects primarily flood-zone exposure and building age.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $501 average premium by 10–20%.
Property of $200,000
Premium: $292 per year
Premium computed in May 2026
Property of $800,000
Premium: $440 per year
Premium computed in May 2026
Property of $150,000
Premium: $451 per year
Premium computed in May 2026
Property of $400,000
Premium: $322 per year
Premium computed in May 2026
Property of $370,000
Premium: $665 per year
Premium computed in May 2026
Property of $260,000
Premium: $490 per year
Premium computed in May 2026
Property of $2,000,000
Premium: $456 per year
Premium computed in May 2026
Property of $380,000
Premium: $546 per year
Premium computed in May 2026
Property of $500,000
Premium: $658 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.
© 2026 This website and trademark « ClicAssure » are used under license by ClicAssure, cabinet de services financiers inc. All rights reserved. ClicAssure, cabinet de services financiers inc. is a financial services firm registered in Quebec
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