Kevin in Mascouche
Property of $700,000
Premium: $1489 per year
Premium computed in May 2026
In Mascouche, home insurance for homeowners reflects a dynamically growing market located in the Montreal metropolitan region. Premiums have risen significantly in recent years, influenced by increasing reconstruction values and flood-zone exposure characteristic of this area.
Between 2019 and 2026, average home insurance premiums for homeowners in Mascouche rise sharply, moving from $1007 to $1865. This roughly 85% increase over seven years reflects rising construction and reconstruction costs, increased frequency of weather-related claims, and premium adjustments reflecting the region's growing risk profile.
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 Mascouche, the premium climbs roughly $170 to $210 per $100k value increment, with notable acceleration in the higher tiers. A representative $500k–$600k home pays $1672 per year, while a $1M+ property reaches $3794. Flood-zone exposure and local risk profile play a determining role in this progression, explaining why the curve accelerates more steeply than value alone would suggest.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1076.05 |
| 400k-500k | $1441.15 |
| 500k-600k | $1697.11 |
| 600k-700k | $1726.20 |
| 700k-800k | $2187.40 |
| 800k-900k | $2436.76 |
| 900k-1000k | $2678.27 |
| 1M-2M | $2819.00 |
| 2M+ | $6465.28 |
The average premium in 2026 is $1865 per year for a homeowner in Mascouche, up roughly 85% since 2019.
The premium climbs roughly $170 to $210 per $100k value increment. A representative $500k–$600k home pays $1672 per year, with more pronounced acceleration in higher tiers.
The roughly 85% increase between 2019 and 2026 is driven by rising reconstruction costs, increased frequency of weather-related claims, and flood-zone exposure specific to the region.
A home under $400k averages $1092 per year, representing the entry-level tier of the local market.
Flood-zone exposure and the local risk profile amplify the effect of reconstruction value, which is why a $1M+ property reaches $3794 per year.
Comparing several insurers, installing an alarm system, increasing your deductible, and bundling auto and home with the same insurer can reduce the $1865 average premium by several hundred dollars.
A $400k–$500k home pays $1464 per year, while a $700k–$800k home pays $2161 — a gap of roughly 48% for $300k more in value.
Property of $700,000
Premium: $1489 per year
Premium computed in May 2026
Property of $500,000
Premium: $1346 per year
Premium computed in May 2026
Property of $800,000
Premium: $2136 per year
Premium computed in May 2026
Property of $700,000
Premium: $1320 per year
Premium computed in May 2026
Property of $1,040,000
Premium: $3049 per year
Premium computed in May 2026
Property of $700,000
Premium: $2269 per year
Premium computed in May 2026
Property of $750,000
Premium: $2197 per year
Premium computed in May 2026
Property of $950,000
Premium: $1864 per year
Premium computed in May 2026
Property of $1,500,000
Premium: $1196 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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