Olga in Montréal-Nord
Property of $390,000
Premium: $237 per year
Premium computed in April 2026
In Montreal-Nord, the condo market offers a diversity of property profiles and insured values. The interaction between the condo corporation's coverage and the unit owner's individual policy requires careful attention to avoid coverage gaps.
Between 2020 and 2026, average condo insurance premiums in Montreal-Nord fluctuate notably, moving from $532 in 2020 to $632 in 2026. This irregular trajectory — marked by a sharp dip in 2022 ($305) followed by gradual recovery — likely reflects portfolio adjustments, changes in claims composition, and tariff corrections over this 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 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 |
The average premium in 2026 is $632 per year for a condo in Montreal-Nord.
The progression is non-linear: a condo under $100k pays $328 per year, while a $100k–$150k condo pays $927, reflecting a shift in the local risk profile.
Between 2020 and 2026, premiums move from $532 to $632, with a sharp dip in 2022 ($305) followed by recovery. This irregular trajectory reflects portfolio adjustments and tariff corrections.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $632 per year in Montreal-Nord.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $632 average premium by 10–20%.
Property of $390,000
Premium: $237 per year
Premium computed in April 2026
Property of $600,000
Premium: $1026 per year
Premium computed in March 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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