Pierre in Cowansville
Contents of $80,000
Premium: $279 per year
Premium computed in May 2026
Tenant insurance in Cowansville 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 Cowansville show an overall downward trend, moving from $437 in 2020 to $310 in 2026 — a decrease of roughly 29%. After a peak in 2020, premiums gradually stabilized around $315 to $324 between 2023 and 2025, before a slight uptick to $310 in 2026.
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 Cowansville, tenant premiums vary by contents coverage amount: the lowest appear under $20k ($233) and in the $20k–$30k tier ($268), while $100k–$150k coverage reaches $421. The progression is not strictly linear — it accelerates in the higher tiers — reflecting increased claim risk and replacement cost for larger contents.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $276.70 |
| 30k-50k | $255.97 |
| 50k-75k | $373.81 |
| 75k-100k | $271.41 |
| 100k-150k | $420.62 |
The average premium in 2026 is $310 per year for a tenant in Cowansville, down significantly 29% since 2020.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $233 per year for minimal coverage.
The premium scales with contents coverage: $268 for $20k–$30k coverage (representative tier), and $421 for $100k–$150k, reflecting increased risk and replacement cost.
Between 2020 and 2026, the 29% decrease reflects market correction after the 2020 peak, followed by stabilization around $315 to $324 between 2023 and 2025.
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.
The $20k–$30k tier costs $268 per year and suits most tenants; larger needs may justify $50k–$75k coverage at $328 per year.
Contents of $80,000
Premium: $279 per year
Premium computed in May 2026
Contents of $70,000
Premium: $486 per year
Premium computed in May 2026
Contents of $20,000
Premium: $272 per year
Premium computed in May 2026
Contents of $30,000
Premium: $273 per year
Premium computed in April 2026
Contents of $30,000
Premium: $221 per year
Premium computed in March 2026
Contents of $100,000
Premium: $345 per year
Premium computed in March 2026
Contents of $40,000
Premium: $217 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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