Stephanie in Mirabel
Property of $320,000
Premium: $229 per year
Premium computed in May 2026
In Mirabel, the condo market offers a diverse range of property profiles, and individual unit insurance must be coordinated with the condo corporation's coverage. Although local data shows some volatility, it reflects the evolution of this region's residential market.
Between 2020 and 2026, average condo insurance premiums in Mirabel show notable volatility, moving from $377 in 2020 to a peak of $576 in 2024, before declining to $411 in 2026. This fluctuation reflects local market adjustments, variations in the composition of insured portfolios, and changes in exposure to weather-related and water-damage risks.
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 Mirabel, premiums across value tiers do not follow a strict linear progression, revealing the influence of factors beyond reconstruction value alone. Condos in the $200k–$250k range show $529, while those in the $250k–$300k range drop to $354, and units in the $400k–$450k tier climb to $472. This irregular variation underscores the importance of flood-zone exposure, building risk profile, and local portfolio composition, which can outweigh the effect of insured value.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $336.9 |
| 200k-300k | $469.84 |
| 300k-400k | $449.05 |
| 400k-500k | $471.98 |
| 500k-600k | $361 |
| 800k+ | $405.08 |
The average premium in 2026 is $411 per year for a condo in Mirabel, reflecting stabilization after a period of volatility between 2020 and 2024.
The progression is not linear: a $300k–$350k condo pays $411 per year, while a $200k–$250k unit reaches $529, illustrating the impact of flood-zone exposure and building risk profile on pricing.
Between 2020 and 2026, premiums range from $377 to $576, reflecting local market adjustments, changes in portfolio composition, and evolving exposure to water damage and weather-related risks.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $411 per year in Mirabel in 2026.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $411 average premium by 10–20%.
Property of $320,000
Premium: $229 per year
Premium computed in May 2026
Property of $270,000
Premium: $320 per year
Premium computed in May 2026
Property of $600,000
Premium: $361 per year
Premium computed in May 2026
Property of $200,000
Premium: $503 per year
Premium computed in May 2026
Property of $300,000
Premium: $453 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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