Felix in Mercier
Contents of $20,000
Premium: $234 per year
Premium computed in May 2026
In Mercier, tenant insurance 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 Mercier show notable volatility, moving from $359 in 2020 to $327 in 2025, before a marked increase to $506 in 2026. This irregular trajectory reflects progressive market adjustments and a significant rate correction in 2026, possibly tied to increased claims or a reassessment of local 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 Mercier, tenant premiums vary significantly by contents coverage amount: small coverage of $20k–$30k costs $257 per year, while mid-range coverage of $50k–$75k rises to $310. The highest coverage tier ($150k+) reaches $1395, reflecting a substantial jump explained by increased contents value and a potentially different risk profile.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $257.02 |
| 30k-50k | $240.75 |
| 50k-75k | $309.79 |
The average premium in 2025 is $327 per year for a tenant in Mercier, although an increase to $506 is observed in 2026.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $241 per year for $30k–$50k coverage in Mercier.
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.
Coverage of $20k–$30k costs $257 per year, while $50k–$75k coverage rises to $310. Higher tiers ($150k+) reach $1395 due to increased contents value and associated risk.
The increase to $506 in 2026 from $327 in 2025 likely reflects higher local claims or a reassessment of the region's risk profile.
Choose coverage matching your actual contents (for example, $30k–$50k at $241 rather than $150k+), compare several insurers, and increase your deductible to reduce your premium.
Contents of $20,000
Premium: $234 per year
Premium computed in May 2026
Contents of $20,000
Premium: $280 per year
Premium computed in May 2026
Contents of $50,000
Premium: $407 per year
Premium computed in March 2026
Contents of $920,000
Premium: $1395 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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