Jean-Christophe in Mont-Saint-Hilaire
Contents of $30,000
Premium: $297 per year
Premium computed in May 2026
Tenant insurance in Mont-Saint-Hilaire 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.
Over the available period from 2020 to 2026, average tenant insurance premiums in Mont-Saint-Hilaire show notable volatility, moving from $300 in 2020 to $465 in 2025, then declining to $297 in 2026. This variation reflects local market fluctuations and pricing adjustments rather than an established linear trend.
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, tenant premiums vary by contents coverage amount: small coverages under $20k show $303, while the $20k–$30k tier rises to $318. The $30k–$50k coverage drops to $304, and the $50k–$75k tier reaches $259. This non-linear progression reflects premium adjustment based on local risk profile and claim density for each coverage segment.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $317.92 |
| 30k-50k | $306.73 |
| 50k-75k | $258.88 |
The average premium in 2025 is $465 per year for a tenant in Mont-Saint-Hilaire, though data shows significant year-to-year volatility.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $259 per year for $50k–$75k coverage in Mont-Saint-Hilaire.
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.
The premium varies by tier: $303 for under $20k, $318 for $20k–$30k, $304 for $30k–$50k, and $259 for $50k–$75k. Your coverage choice should match your actual contents value.
Comparing several insurers, increasing the deductible, and installing an alarm system can reduce the $465 average premium by several dozen dollars.
Contents of $30,000
Premium: $297 per year
Premium computed in May 2026
Contents of $40,000
Premium: $250 per year
Premium computed in May 2026
Contents of $20,000
Premium: $380 per year
Premium computed in April 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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