Sylvie in Longueuil
Property of $380,000
Premium: $546 per year
Premium computed in May 2026
In Longueuil, the condo market offers a diversity of properties and risk profiles, with significant interaction between the condo corporation's coverage and the unit owner's individual policy. Understanding this distinction helps avoid costly coverage gaps.
Between 2019 and 2026, average condo insurance premiums in Longueuil show notable volatility, moving from $439 in 2019 to $455 in 2026. A spike to $724 in 2022 was followed by gradual correction. Over the full period, the average premium remains relatively stable around $480, reflecting successive market adjustments in response to claim frequency and reconstruction cost variations.
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 Longueuil, the progression of premiums by condo value is irregular, with no clear linear pattern. Premiums range from $311 for $600k–$650k condos to $579 for $200k–$250k units. This non-linear variation reflects the significant influence of flood-zone exposure and local risk profile, which can shift the relationship between reconstruction value and premium more than in other markets.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $366.68 |
| 200k-300k | $488.73 |
| 300k-400k | $414.83 |
| 400k-500k | $516.81 |
| 500k-600k | $480.69 |
| 600k-700k | $310.62 |
| 700k-800k | $401.19 |
| 800k+ | $481.11 |
The average premium in 2026 is $455 per year for a condo in Longueuil, following a volatile period marked by a spike in 2022.
The relationship between value and premium is irregular in Longueuil. A $200k–$250k condo pays $579 per year, while a $600k–$650k condo pays $311 — a variation reflecting flood-zone exposure and local risk profile.
A peak at $724 in 2022 likely reflects an increase in claims or a reassessment of the local risk profile; premiums have gradually corrected since then.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $455 per year in Longueuil.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $455 average premium by 10–20%.
Flood-zone exposure and local risk profile play a larger role than reconstruction value alone, which explains why some more expensive condos pay less than cheaper ones.
Property of $380,000
Premium: $546 per year
Premium computed in May 2026
Property of $480,000
Premium: $518 per year
Premium computed in May 2026
Property of $330,000
Premium: $246 per year
Premium computed in May 2026
Property of $350,000
Premium: $265 per year
Premium computed in May 2026
Property of $550,000
Premium: $416 per year
Premium computed in May 2026
Property of $1,500,000
Premium: $470 per year
Premium computed in May 2026
Property of $300,000
Premium: $287 per year
Premium computed in May 2026
Property of $160,000
Premium: $597 per year
Premium computed in May 2026
Property of $230,000
Premium: $321 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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