Julie in Mont-Joli
Property of $440,000
Premium: $1814 per year
Premium computed in May 2026
Home insurance for homeowners is one of the most important coverages in Quebec, protecting both the structure and contents against claims. The market remains competitive, and significant gaps between insurers and regions justify shopping around regularly.
Between 2019 and 2026, average home insurance premiums for homeowners in Quebec show notable volatility, moving from $1202 to $1563. The period shows a general increase of roughly 30% over seven years, with annual fluctuations reflecting market adjustments, reconstruction cost evolution, and weather-related claim frequency.
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 are highest for homeowners in the metropolitan region: Terrebonne ($1898), Montreal ($1861), and Saint-Jérôme ($1812), while Sherbrooke ($1169), Lévis ($1187), and Drummondville ($1347) show the most affordable prices. The gap between the most expensive and least expensive city reaches roughly 62%, reflecting the combination of flood-zone exposure, local risk profile, urban density, and reconstruction value specific to each market.
| City | Average price over the last 12 months |
|---|---|
| BROSSARD | $1502.64 |
| DRUMMONDVILLE | $1349.30 |
| GATINEAU | $1354.03 |
| LAVAL | $1784.98 |
| LÉVIS | $1196.05 |
| LONGUEUIL | $1456.40 |
| MONTRÉAL | $1859.92 |
| QUÉBEC | $1294.77 |
| REPENTIGNY | $1783.01 |
| Saguenay | $1685.02 |
| SAINT-JEAN-SUR-RICHELIEU | $1551.48 |
| SAINT-JÉRÔME | $1902.10 |
| SHERBROOKE | $1177.09 |
| TERREBONNE | $1922.85 |
| TROIS-RIVIÈRES | $1368.54 |
The average premium in 2026 is $1563 per year for a homeowner in Quebec, up roughly 30% since 2019.
Sherbrooke sits at $1169 per year, followed by Lévis ($1187) and Drummondville ($1347). Limited flood-zone exposure and a more moderate local risk profile contribute to these levels.
The 62% gap between Terrebonne ($1898) and Sherbrooke ($1169) is driven mainly by flood-zone exposure, urban density, local risk profile, and reconstruction value.
Montreal shows $1861 vs Sherbrooke's $1169 — about a 59% gap, driven mostly by density, flood-zone exposure, and local risk profile.
Premiums moved from $1202 in 2019 to $1563 in 2026, a roughly 30% increase over seven years, with annual fluctuations reflecting market adjustments and claim evolution.
Compare several insurers, install an alarm system, increase your deductible, and bundle auto and home with the same insurer to potentially reduce the $1563 average premium by several hundred dollars.
Property of $440,000
Premium: $1814 per year
Premium computed in May 2026
Property of $380,000
Premium: $1099 per year
Premium computed in May 2026
Property of $500,000
Premium: $2280 per year
Premium computed in May 2026
Property of $300,000
Premium: $1220 per year
Premium computed in May 2026
Property of $630,000
Premium: $1209 per year
Premium computed in May 2026
Property of $500,000
Premium: $1376 per year
Premium computed in May 2026
Property of $400,000
Premium: $947 per year
Premium computed in May 2026
Property of $460,000
Premium: $1775 per year
Premium computed in May 2026
Property of $750,000
Premium: $967 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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