Karina in L'épiphanie
Contents of $20,000
Premium: $284 per year
Premium computed in May 2026
Tenant insurance in L'Épiphanie 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 L'Épiphanie show notable volatility, moving from $336 to $250. After a peak in 2022 ($624), premiums experienced a significant correction and are now stabilizing at lower levels. This irregular trajectory suggests pricing adjustments or changes in the local portfolio composition.
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'Épiphanie, tenant premiums vary by contents coverage amount: small coverage tiers ($20k–$30k) cost $250, while larger coverage tiers ($75k–$100k) reach $623. A representative tenant with $30k–$50k coverage pays $299 per year. The gap between tiers primarily reflects the insured contents value, the dominant factor for this coverage type.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $250.09 |
| 30k-50k | $298.52 |
| 50k-75k | $331.41 |
| 75k-100k | $724.85 |
The average premium in 2026 is $250 per year for a tenant in L'Épiphanie, marking a significant decline after adjustments in prior years.
The premium varies by contents value: $250 for $20k–$30k coverage, and $623 for $75k–$100k coverage. A representative tenant with $30k–$50k coverage pays $299 per year.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $250 per year in L'Épiphanie.
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.
After peaking in 2022 at $624, premiums have corrected progressively to reach $250 in 2026, likely reflecting pricing adjustments or changes in the local portfolio composition.
$30k–$50k coverage is representative for most tenants and costs $299 per year. Assess your personal belongings to determine the amount suited to your situation.
Contents of $20,000
Premium: $284 per year
Premium computed in May 2026
Contents of $20,000
Premium: $239 per year
Premium computed in March 2026
Contents of $20,000
Premium: $226 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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