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 progress coherently according to home value. The representative 500k-600k tier reaches $1289, positioned between $1224 for 400k-500k and $1665 for 600k-700k. This progression shows that property or reconstruction value remains the main statistical driver of differences. Above $1M, premiums increase more rapidly: $3139 for 1M-2M and $4882 for 2M+, reflecting increased exposure tied to very high-value properties. Factors such as building age, materials, claim history, and certain local risks can adjust the premium around this progression.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $950.47 |
| 400k-500k | $1224.36 |
| 500k-600k | $1289.11 |
| 600k-700k | $1665.41 |
| 700k-800k | $1866.80 |
| 800k-900k | $2170.59 |
| 900k-1000k | $2171.71 |
| 1M-2M | $3139.04 |
| 2M+ | $4881.90 |
In Montreal, condo premiums vary non-linearly according to unit value. The <200k tier shows $439, while 200k-300k reaches $521. However, the representative 300k-400k tier drops to $506, and 400k-500k falls further to $442. From 500k-600k onward, the progression resumes at $511, then rises to $680 for 600k-700k and $708 for 700k-800k. This irregular curve suggests that insured value is not the only determining factor. Building profile, construction age, materials, claim history, and certain local risks play a significant role in premium formation.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $439.33 |
| 200k-300k | $521.17 |
| 300k-400k | $506.21 |
| 400k-500k | $441.81 |
| 500k-600k | $511.08 |
| 600k-700k | $680.04 |
| 700k-800k | $707.71 |
| 800k+ | $824.32 |
In Montreal, tenant premiums increase steadily with the insured contents amount. The representative 30k-50k tier reaches $308, while 50k-75k rises to $365 and 75k-100k to $384. The 100k-150k tier shows $521, a marked progression that reflects the increase in covered amount. This distribution shows that insured contents remain the main statistical driver of premium differences among tenants.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $295.97 |
| 30k-50k | $307.86 |
| 50k-75k | $364.81 |
| 75k-100k | $383.91 |
| 100k-150k | $520.71 |
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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