In Montréal-Nord, 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-North, the progression of premiums by home value is non-linear: it accelerates sharply in the higher tiers. A $500k–$600k home pays $1490, but a $700k–$800k home reaches $2792, and above $1M the premium climbs to $3487. This acceleration reflects the combined influence of flood-zone exposure, local risk profile, and costlier reconstruction in high-value neighborhoods.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1037.60 |
| 400k-500k | $1287.28 |
| 500k-600k | $1567.45 |
| 600k-700k | $1619.06 |
| 700k-800k | $3025.50 |
| 800k-900k | $2450.39 |
| 900k-1000k | $2915.26 |
| 1M-2M | $3775.31 |
In Montreal-Nord, premiums vary non-linearly by insured value. A condo under $100k pays $328 per year, while a $100k–$150k condo pays $927 — a sharp jump reflecting a shift in risk profile or claims composition. Higher tiers show some stabilization: $600k–$650k at $905 and $700k+ at $628. This irregular variation may be explained by flood-zone exposure, building age, and local claims history.
| Property value | Average price over the last 12 months |
|---|---|
| 300k-400k | $237.33 |
| 600k-700k | $904.76 |
| 800k+ | $791.67 |
In Montreal-North, tenant premiums progress gradually based on contents coverage amount. Modest coverage (under $20k) costs $275 per year, while a representative $30k–$50k coverage sits at $303. Beyond $100k in contents, premiums rise noticeably: $363 for $75k–$100k, then $642 for $100k–$150k, and $762 for $150k+. This progression reflects the local risk profile and claim density.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $297.96 |
| 30k-50k | $298.78 |
| 50k-75k | $327.18 |
| 75k-100k | $363.42 |
| 100k-150k | $641.74 |
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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