Sabrina in Gaspé
Contents of $20,000
Premium: $219 per year
Premium computed in April 2026
In Gaspé, tenant insurance 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.
Over the available period from 2020 to 2026, average tenant insurance premiums in Gaspé show notable volatility, moving from $225 in 2020 to $212 in 2026. The premium peaked at $418 in 2024 before declining significantly. This variation likely reflects local market adjustments and changes in the region's risk profile.
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 Gaspé, tenant premiums vary by contents coverage tier: coverage under $20k shows $413, while $20k–$30k coverage drops to $259. Coverage of $30k–$50k sits at $270, and $50k–$75k coverage rises to $469. This non-linear progression reflects variations in the local risk profile and premium adjustment across coverage amounts.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $258.95 |
| 30k-50k | $269.87 |
| 50k-75k | $468.53 |
The average premium in 2026 is $212 per year for a tenant in Gaspé, although premiums have shown notable volatility in previous years.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $212 per year in Gaspé.
For a representative $20k–$30k coverage tier, the premium is $259 per year. Higher coverage ($50k–$75k) rises to $469, reflecting the increase in insured amount.
The variation between coverage tiers reflects the local risk profile and premium adjustment based on the amount of contents insured, with significant gaps between tiers.
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.
Contents of $20,000
Premium: $219 per year
Premium computed in April 2026
Contents of $40,000
Premium: $205 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.
© 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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