Alexandre in Laval
Contents of $80,000
Premium: $802 per year
Premium computed in May 2026
Tenant insurance in Laval 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 2019 and 2026, average tenant insurance premiums in Laval show a marked downward trend, moving from $435 to $319 — a decrease of roughly 27% over eight years. This decline reflects a gradual correction of rates after an initially higher period, as well as increased competition in the tenant insurance market.
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 Laval, tenant premiums progress steadily with contents coverage amount: from $285 for $20k–$30k coverage to $504 for $100k–$150k. A representative tenant covering $30k–$50k of contents pays $303 per year. Coverage of $150k and above shows a premium of $1033, reflecting a substantial increase for very high contents or elevated civil liability coverage.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $284.15 |
| 30k-50k | $301.67 |
| 50k-75k | $362.23 |
| 75k-100k | $418.82 |
| 100k-150k | $504.19 |
The average premium in 2026 is $319 per year for a tenant in Laval, down 27% since 2019.
The premium progresses from $285 for $20k–$30k coverage to $504 for $100k–$150k. A representative tenant covering $30k–$50k pays $303 per year.
The 27% decrease between 2019 and 2026 reflects a gradual correction of rates after an initially higher period and increased competition in the market.
No, it is not mandatory in Quebec, but it is often required by landlords and remains very affordable, starting at $285 per year for $20k–$30k coverage.
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.
$431 per year for $75k–$100k coverage and $504 for $100k–$150k, reflecting steady progression based on insured amount.
Contents of $80,000
Premium: $802 per year
Premium computed in May 2026
Contents of $20,000
Premium: $261 per year
Premium computed in May 2026
Contents of $100,000
Premium: $479 per year
Premium computed in May 2026
Contents of $40,000
Premium: $356 per year
Premium computed in May 2026
Contents of $80,000
Premium: $323 per year
Premium computed in May 2026
Contents of $20,000
Premium: $205 per year
Premium computed in May 2026
Contents of $20,000
Premium: $231 per year
Premium computed in May 2026
Contents of $50,000
Premium: $305 per year
Premium computed in May 2026
Contents of $30,000
Premium: $206 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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