In Québec, 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 Quebec City, the premium climbs roughly $180 to $220 per $100k value increment up to $900k, at a steady and nearly linear pace. A representative $500k–$600k home pays $1316 per year. Beyond $1 million, the premium jumps to $3505, reflecting significant acceleration tied to reconstruction complexity and heightened flood-zone exposure for high-value properties. Exposure to St. Lawrence River flood zones remains the dominant factor explaining premium variation in Quebec City.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $949.07 |
| 400k-500k | $1065.97 |
| 500k-600k | $1309.93 |
| 600k-700k | $1517.53 |
| 700k-800k | $1829.95 |
| 800k-900k | $2148.09 |
| 900k-1000k | $2077.40 |
| 1M-2M | $3291.93 |
| 2M+ | $8608.86 |
In Quebec City, the progression of premiums by condo value is irregular and reveals the significant impact of flood-zone exposure and local risk profile. Condos under $100k show $368, while those in the $650k–$700k range reach $1145. This non-linear variation — with peaks at certain tiers ($350k–$400k at $743, $600k–$650k at $728) — indicates that reconstruction value alone does not explain premiums: geographic location, flood-zone exposure, and building age play a decisive role.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $368.26 |
| 200k-300k | $455.49 |
| 300k-400k | $586.11 |
| 400k-500k | $605.31 |
| 500k-600k | $506.80 |
| 600k-700k | $847.21 |
| 700k-800k | $463.62 |
| 800k+ | $375.42 |
In Quebec City, tenant premiums vary significantly by contents coverage amount: modest coverage under $20k costs $271, while mid-range coverage of $30k–$50k sits at $284. Beyond $100k in contents, premiums climb sharply to $456 (100k–150k) and $914 (150k+), reflecting increased claim risk and replacement value. The progression stays moderate up to $75k, then accelerates noticeably.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $273.64 |
| 30k-50k | $288.16 |
| 50k-75k | $316.77 |
| 75k-100k | $336.91 |
| 100k-150k | $436.12 |
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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