Home insurance prices in Quebec

HOME INSURANCE COSTS FOR A HOME IN QUEBEC (LAST 7 YEARS)

Home insurance for homeowners protects the building, personal belongings, civil liability, and certain loss-related expenses. In Quebec, it plays an essential role in preserving residential property value, especially as rebuilding and repair costs change quickly.

Between 2020 and 2026, average home insurance premiums for homeowners in Quebec show a variable trajectory. They begin at $1264 in 2020, reach a peak of $1630 in 2025, then decline slightly to $1539 in 2026. Over the full period, net growth remains positive, moving from $1264 to $1539, a roughly 22% increase. This evolution reflects fluctuations in rebuilding costs, materials, labor, and insured amounts across the years.

Factors influencing your home insurance premium

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:

Property value and replacement cost - The higher your property value, the higher the premium, since the cost of rebuilding after a loss is greater.

Property type - A house, a condo, and a rental unit present different risks and are insured differently.

Location and postal code - Urban density, crime rates, proximity to fire hydrants, and presence in flood zones directly affect the premium.

Building characteristics - Year built, materials, condition of roof, plumbing, and electrical system.

Prevention measures - Alarm systems, smoke detectors, sprinklers, and other safety devices generally reduce the premium.

Claims history - A claim-free record favors more advantageous premiums.

Coverage choices - Deductible amount, liability limits, and optional protections adjust the premium.

Average premium by city for a home

Homeowner premiums vary noticeably across the provided cities. Terrebonne shows $1827, Saint-Jérôme $1848, and Montreal $1798, while Sherbrooke shows $1115, Lévis $1190, and Quebec $1262. This distribution suggests that local market, property value, reconstruction value, and risk profile influence differences between cities. The total spread ranges from $1115 to $1848, showing significant variation by geographic location.

City	Average price over the last 12 months
BROSSARD	$1480.03
DRUMMONDVILLE	$1322.59
GATINEAU	$1327.04
LAVAL	$1782.86
LÉVIS	$1190.37
LONGUEUIL	$1395.41
MONTRÉAL	$1797.51
QUÉBEC	$1262.14
REPENTIGNY	$1709.32
Saguenay	$1617.22
SAINT-JEAN-SUR-RICHELIEU	$1529.71
SAINT-JÉRÔME	$1848.28
SHERBROOKE	$1114.61
TERREBONNE	$1826.79
TROIS-RIVIÈRES	$1319.64

Frequently asked questions (FAQ)

How much does home insurance cost for a homeowner in Quebec?

The average premium in 2026 is $1539 per year for a homeowner in Quebec, based on the provided data.

How have premiums for homeowners evolved between 2020 and 2026?

Premiums moved from $1264 in 2020 to $1539 in 2026, a roughly 22% increase over this period. They peaked at $1630 in 2025 before declining slightly in 2026.

Which cities show the highest premiums for homeowners?

Among the provided cities, Saint-Jérôme shows $1848, Terrebonne $1827, and Montreal $1798, making them the highest amounts in the table.

Which cities show the lowest premiums for homeowners?

Sherbrooke shows $1115, Lévis $1190, and Quebec $1262, making them the lowest amounts among the provided cities.

Why do premiums vary between cities?

Differences generally reflect property value, reconstruction value, and the local risk profile. In the provided data, the spread runs from $1115 in Sherbrooke to $1848 in Saint-Jérôme.

How should I compare my home insurance premium?

Comparing several insurers helps position your premium against the $1539 average observed in 2026 for homeowners in Quebec and the average amount in your region.

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