In Montréal, your premium depends on several factors: the property value, the exact postal code, the year of construction, and your insurance history. Pick the profile that matches your situation to see the typical premiums recently obtained by ClicAssure clients.
In Montreal, premiums climb roughly $280 to $350 per $100k value increment, following a non-linear pattern that accelerates sharply above $600k. A representative $500k–$600k home pays $1314 per year, while a $1M+ property reaches $3703. This marked acceleration in higher tiers reflects not only reconstruction value but also concentrated flood-zone exposure and the elevated risk profile of Montreal's riverside neighborhoods.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $954.73 |
| 400k-500k | $1217.81 |
| 500k-600k | $1290.18 |
| 600k-700k | $1731.73 |
| 700k-800k | $1951.52 |
| 800k-900k | $2231.42 |
| 900k-1000k | $2291.68 |
| 1M-2M | $3342.32 |
| 2M+ | $5807.05 |
In Montreal, the progression of condo premiums by unit value is not linear. Units under $100k show $397, while those in the $250k–$300k range climb to $596. Beyond that, the curve stabilizes and accelerates in steps: $650k–$700k reaches $762, and the largest units ($700k+) sit at $729. Flood-zone exposure and building age play a major role in this variation, often more influential than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $441.19 |
| 200k-300k | $531.44 |
| 300k-400k | $544.74 |
| 400k-500k | $449.92 |
| 500k-600k | $506.86 |
| 600k-700k | $685.86 |
| 700k-800k | $667.38 |
| 800k+ | $763.53 |
In Montreal, tenant premiums vary significantly based on the amount of contents coverage selected. Tenants with minimal coverage (<20k) pay $300, while those covering 20k–30k pay $298. The progression accelerates from 50k–75k ($377) and peaks at 150k+ ($895). This variation directly reflects the increase in contents to protect and associated claim risk; tenants with modest contents enjoy highly competitive premiums.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $297.90 |
| 30k-50k | $315.84 |
| 50k-75k | $374.92 |
| 75k-100k | $397.19 |
| 100k-150k | $535.58 |
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
|
Client
The customer portal allows you to create and manage your insurance requests. Use this link if you are a consumer of ClicAssure services. |
||
Insurer The insurer portal allows clicassure partners to connect and manage the requests assigned to them. Use this link if you are a ClicAssure partner. |
||
