Marie Noëlle in Mont-Saint-Hilaire
Property of $580,000
Premium: $1069 per year
Premium computed in May 2026
Mont-Saint-Hilaire is a sought-after residential municipality in the Montérégie region, characterized by a dynamic real estate market and variable flood-zone exposure. Home insurance for homeowners reflects this diversity of risk profiles and reconstruction values.
Between 2020 and 2026, average home insurance premiums for homeowners in Mont-Saint-Hilaire show notable volatility, moving from $1339 to $1842. This irregular trajectory — with a peak of $2193 in 2025 — reflects market adjustments in response to weather-related claims, variations in reconstruction value, and shifts in the local risk profile over this seven-year period.
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, the premium progresses non-linearly with home value: roughly $66 to $90 per $100k increment in the lower segments (<400k to 600k), then accelerates significantly above $600k, reaching over $200 per $100k increment in the highest tiers. A representative $500k–$600k home pays $1289 per year. This sharp acceleration in the upper tiers reflects flood-zone exposure and the specific risk profile of higher-value properties in the region.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $894.83 |
| 400k-500k | $1263.96 |
| 500k-600k | $1308.93 |
| 600k-700k | $1922.34 |
| 700k-800k | $2368.98 |
| 800k-900k | $2663.85 |
| 900k-1000k | $3174.91 |
| 1M-2M | $3349.89 |
| 2M+ | $6548.71 |
The average premium in 2026 is $1842 per year for a homeowner in Mont-Saint-Hilaire.
The premium climbs roughly $66 to $90 per $100k increment in the lower segments, then accelerates significantly above $600k. A representative $500k–$600k home pays $1289 per year.
The acceleration above $600k — reaching over $200 per $100k increment — reflects increased flood-zone exposure and the specific risk profile of higher-value properties in the region.
$1173 per year — the most affordable segment of the local homeowner market.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1842 average premium by several hundred dollars.
The volatility observed — with a peak of $2193 in 2025 — reflects market adjustments in response to weather-related claims, variations in reconstruction value, and shifts in the local risk profile.
Property of $580,000
Premium: $1069 per year
Premium computed in May 2026
Property of $520,000
Premium: $1846 per year
Premium computed in May 2026
Property of $950,000
Premium: $2557 per year
Premium computed in May 2026
Property of $470,000
Premium: $1011 per year
Premium computed in May 2026
Property of $700,000
Premium: $1209 per year
Premium computed in May 2026
Property of $1,350,000
Premium: $4751 per year
Premium computed in May 2026
Property of $700,000
Premium: $1460 per year
Premium computed in May 2026
Property of $560,000
Premium: $1807 per year
Premium computed in May 2026
Property of $400,000
Premium: $592 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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