Stephanie in Granby
Contents of $50,000
Premium: $540 per year
Premium computed in May 2026
Tenant insurance in Granby 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 Granby show notable volatility. After relative stability between 2020 and 2022 ($357 to $361), premiums decline significantly between 2023 and 2025 (from $313 to $305), before rising to $338 in 2026. This trajectory reflects local market adjustments and variations in the regional 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 Granby, tenant premiums vary considerably based on contents coverage amount. Modest coverage (<20k) starts at $279, while mid-range coverage (30k-50k) sits at $289 and higher coverage (75k-100k) reaches $391. Beyond 100k, premiums accelerate notably: $490 for 100k-150k and $695 for 150k+. This progression reflects rising contents replacement costs and the risk associated with larger asset values.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $311.64 |
| 30k-50k | $283.45 |
| 50k-75k | $328.48 |
| 75k-100k | $390.67 |
| 100k-150k | $490.28 |
The average premium in 2026 is $338 per year for a tenant in Granby. Premiums vary based on contents coverage amount, ranging from $279 for modest coverage to $695 for high-value coverage.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $279 per year for basic coverage in Granby.
Coverage of 20k-30k costs $309, while 50k-75k reaches $325 and 75k-100k climbs to $391. Coverage above 100k accelerates further: $490 for 100k-150k and $695 for 150k+.
Premiums fell from $313 in 2023 to $305 in 2025, reflecting local market adjustments and stabilization of the regional risk profile during that period.
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.
Representative coverage of 30k-50k costs $289 per year in Granby and suits most tenants with standard furniture and appliances.
Comparing several insurers, increasing the deductible, bundling with auto insurance, and installing smoke detectors can reduce the $338 average premium by 10–15%.
Contents of $50,000
Premium: $540 per year
Premium computed in May 2026
Contents of $40,000
Premium: $229 per year
Premium computed in May 2026
Contents of $20,000
Premium: $301 per year
Premium computed in May 2026
Contents of $40,000
Premium: $223 per year
Premium computed in May 2026
Contents of $60,000
Premium: $229 per year
Premium computed in May 2026
Contents of $50,000
Premium: $214 per year
Premium computed in May 2026
Contents of $40,000
Premium: $284 per year
Premium computed in May 2026
Contents of $20,000
Premium: $285 per year
Premium computed in May 2026
Contents of $20,000
Premium: $336 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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