Chantal in Longueuil
Property of $500,000
Premium: $685 per year
Premium computed in May 2026
In Longueuil, home insurance for homeowners reflects a dynamic South Shore market, where premium variations based on property value and exposure to local risks play a decisive role. Shopping with multiple insurers remains essential to secure the best coverage at the best price.
Between 2019 and 2026, average home insurance premiums for homeowners in Longueuil follow a volatile trajectory. After a notable drop from $1850 in 2019 to $1199 in 2020, premiums stabilize around $1200–$1300 from 2020 to 2022, then rise gradually to $1538 in 2024 before declining slightly to $1444 in 2026. This volatility reflects market adjustments in response to weather-related claims and fluctuating reconstruction costs.
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 premium climbs roughly $260 to $280 per $100k value increment, with notable acceleration in the higher tiers. A representative $500k–$600k home pays $1180 per year, while a property of $1M or more reaches $2926. Flood-zone exposure, particularly significant on the South Shore, and the local risk profile can amplify this progression more than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $845.88 |
| 400k-500k | $1018.69 |
| 500k-600k | $1137.53 |
| 600k-700k | $1408.36 |
| 700k-800k | $1905.13 |
| 800k-900k | $1745.59 |
| 900k-1000k | $2192.86 |
| 1M-2M | $2541.07 |
| 2M+ | $4989.96 |
The average premium in 2026 is $1444 per year for a homeowner in Longueuil. Premiums have followed a volatile trajectory since 2019, reflecting market adjustments in response to weather-related claims.
The premium climbs roughly $260 to $280 per $100k value increment. A representative $500k–$600k home pays $1180 per year, with significant acceleration for higher-value properties.
Premiums climbed from $1184 in 2022 to $1538 in 2024, reflecting rising reconstruction costs and increased frequency of weather-related claims affecting the region.
$2926 per year — a significantly higher premium driven by reconstruction value and exposure to local risks, particularly flood-zone areas.
$832 per year for a home under $400k — the most affordable tier in the Longueuil market.
Comparing several insurers, increasing the deductible, bundling auto and home, and installing an alarm system can reduce the $1444 average premium by several hundred dollars.
Property of $500,000
Premium: $685 per year
Premium computed in May 2026
Property of $560,000
Premium: $2316 per year
Premium computed in May 2026
Property of $490,000
Premium: $520 per year
Premium computed in May 2026
Property of $570,000
Premium: $807 per year
Premium computed in May 2026
Property of $300,000
Premium: $443 per year
Premium computed in May 2026
Property of $750,000
Premium: $2557 per year
Premium computed in May 2026
Property of $500,000
Premium: $1092 per year
Premium computed in May 2026
Property of $500,000
Premium: $459 per year
Premium computed in May 2026
Property of $780,000
Premium: $1255 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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