Patrick in Mont-Saint-Hilaire
Property of $150,000
Premium: $451 per year
Premium computed in May 2026
In Mont-Saint-Hilaire, the condo market offers a diverse range of property profiles and values. Individual condo insurance covers your unit, its contents, and your civil liability, complementing the condo corporation's coverage. Understanding this distinction helps avoid coverage gaps.
Over the available period (2020–2026), average condo insurance premiums in Mont-Saint-Hilaire show notable volatility, ranging between $336 and $517. This variation likely reflects adjustments to the local risk portfolio, shifts in claims composition, and the gradual accumulation of market data for this municipality.
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 Mont-Saint-Hilaire, premiums vary considerably by unit value, with no clear linear progression. Units under $100k show $226, while those in the $350k–$400k range reach $675, and the highest values ($700k+) return to $398. This irregularity may reflect flood-zone exposure, risk profile specific to each market segment, and varying claims composition by property type.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $316.32 |
| 200k-300k | $260.49 |
| 300k-400k | $674.89 |
| 400k-500k | $353.16 |
| 500k-600k | $327 |
| 600k-700k | $397.97 |
| 800k+ | $449.46 |
The average premium in 2026 is $342 per year for a condo in Mont-Saint-Hilaire, reflecting the diversity of local values and risk profiles.
The relationship between value and premium is not linear. A $300k–$350k condo pays $350, while a $350k–$400k condo reaches $675. This variation may reflect flood-zone exposure and local risk profile.
Data between 2020 and 2026 shows volatility ranging from $336 to $517, likely reflecting adjustments to the risk portfolio and gradual accumulation of local market data.
A unit under $100k pays $226 per year, while a unit between $100k–$150k pays $219 — among the most affordable premiums in the local market.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, varying by value and local risk profile.
Comparing several insurers, increasing the deductible, bundling auto and home, and installing smart water detectors can reduce your premium by several tens of dollars.
Property of $150,000
Premium: $451 per year
Premium computed in May 2026
Property of $500,000
Premium: $327 per year
Premium computed in May 2026
Property of $2,000,000
Premium: $433 per year
Premium computed in April 2026
Property of $90,000
Premium: $221 per year
Premium computed in March 2026
Property of $2,500,000
Premium: $286 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.
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