Pierre in Montréal-Nord
Contents of $20,000
Premium: $336 per year
Premium computed in May 2026
Tenant insurance in Montreal-North 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.
Between 2019 and 2026, average tenant insurance premiums in Montreal-North show a volatile trajectory, moving from $437 in 2019 to $287 in 2026. After a significant decline between 2019 and 2023 (from $437 to $339), premiums stabilize around $336 in 2024–2025 before declining again in 2026. This volatility reflects local market adjustments and variations in claim composition.
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-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 |
The average premium in 2026 is $287 per year for a tenant in Montreal-North, reflecting a decline from previous levels.
A representative $30k–$50k coverage costs $303 per year. For larger contents ($100k–$150k), the premium rises to $642, reflecting increased risk.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $275 per year for modest coverage.
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 decline from $437 in 2019 to $287 in 2026 reflects local market adjustments and a favorable shift in the claim composition within the neighborhood.
$363 per year — a mid-range tier of the local tenant market.
Contents of $20,000
Premium: $336 per year
Premium computed in May 2026
Contents of $100,000
Premium: $565 per year
Premium computed in May 2026
Contents of $30,000
Premium: $301 per year
Premium computed in May 2026
Contents of $50,000
Premium: $461 per year
Premium computed in May 2026
Contents of $50,000
Premium: $253 per year
Premium computed in May 2026
Contents of $30,000
Premium: $398 per year
Premium computed in April 2026
Contents of $20,000
Premium: $200 per year
Premium computed in April 2026
Contents of $20,000
Premium: $254 per year
Premium computed in April 2026
Contents of $50,000
Premium: $278 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.
© 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. |
||
