Matthieu in L'assomption
Property of $550,000
Premium: $1309 per year
Premium computed in May 2026
L'Assomption is a dynamic municipality in the Lanaudière region, where the home insurance market for homeowners reflects notable volatility tied to local risk adjustments and claim variations. Shopping around among multiple insurers remains essential to optimize your premium.
Between 2019 and 2026, average home insurance premiums for homeowners in L'Assomption show a volatile trajectory, moving from $850 in 2019 to $1761 in 2026. After a sharp increase in 2020 ($1415), premiums stabilize around $1300 to $1700 between 2021 and 2025, before rising again to $1761 in 2026. This volatility reflects progressive adjustments to the local risk profile and variations in 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:
In L'Assomption, the premium climbs roughly $200 to $250 per $100k value increment, with notable acceleration in the higher segments. A representative $500k–$600k home pays $1818 per year, while properties over $1 million reach $4702. This non-linear progression, especially pronounced at higher values, is explained by flood-zone exposure, local risk profile, and increased complexity of potential claims in high-value properties.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1338.07 |
| 400k-500k | $1560.91 |
| 500k-600k | $1841.02 |
| 600k-700k | $1787.45 |
| 700k-800k | $2019.97 |
| 800k-900k | $2425.56 |
| 900k-1000k | $2241.28 |
| 1M-2M | $3807.53 |
The average premium in 2026 is $1761 per year for a homeowner in L'Assomption, reflecting an increase from the low of $1302 observed in 2022.
The premium climbs roughly $200 to $250 per $100k value increment. A representative $500k–$600k home pays $1818 per year, with significant acceleration at higher values.
Flood-zone exposure, local risk profile, and variations in claim frequency explain the progressive adjustments observed between 2019 and 2026.
$1818 per year — a representative tier of the local homeowner market in L'Assomption.
Properties over $1 million reach $4702 per year, because the complexity of potential claims, flood-zone exposure, and reconstruction costs increase significantly at these value levels.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1761 average premium by several hundred dollars.
Property of $550,000
Premium: $1309 per year
Premium computed in May 2026
Property of $720,000
Premium: $1476 per year
Premium computed in May 2026
Property of $500,000
Premium: $1372 per year
Premium computed in May 2026
Property of $600,000
Premium: $1281 per year
Premium computed in May 2026
Property of $550,000
Premium: $1215 per year
Premium computed in May 2026
Property of $650,000
Premium: $4241 per year
Premium computed in May 2026
Property of $620,000
Premium: $1344 per year
Premium computed in May 2026
Property of $500,000
Premium: $787 per year
Premium computed in April 2026
Property of $400,000
Premium: $958 per year
Premium computed in April 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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