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 rises steadily according to home value, with notable acceleration at higher tiers. The representative 500k-600k tier reaches $1297, after $1037 for 400k-500k and before $1445 for 600k-700k. Between 700k-800k ($1770) and 800k-900k ($2009), the progression remains moderate. However, the jump to 900k-1000k ($2069) and especially to 1M-2M ($3341) and 2M+ ($7532) shows significant acceleration at very high values. Property or reconstruction value remains the main statistical driver, but building profile, age, materials, and local risks can also influence differences.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $936.44 |
| 400k-500k | $1037.02 |
| 500k-600k | $1296.62 |
| 600k-700k | $1444.54 |
| 700k-800k | $1770.22 |
| 800k-900k | $2009.31 |
| 900k-1000k | $2069.12 |
| 1M-2M | $3341.30 |
| 2M+ | $7531.96 |
In Quebec City, condo premiums show a non-linear progression by unit value. The representative 300k-400k tier reaches $589, while the 400k-500k tier drops to $559. The 600k-700k tier rises to $908, but the 700k-800k tier returns to $451. This irregular distribution suggests that factors beyond value alone influence premiums, such as building risk profile, construction age, claim history, or certain local risks specific to each market segment.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $377.00 |
| 200k-300k | $432.62 |
| 300k-400k | $588.57 |
| 400k-500k | $558.84 |
| 500k-600k | $492.03 |
| 600k-700k | $907.94 |
| 700k-800k | $450.50 |
| 800k+ | $392.10 |
In Quebec City, tenant premiums rise fairly regularly with the insured contents amount. The representative 30k-50k tier reaches $291, then amounts increase to $309 for 50k-75k and $334 for 75k-100k. This progression shows that insured contents amount remains the main statistical driver. The local risk profile, claim history, and certain neighbourhood characteristics can still shift the gap between two tenants with comparable coverage amounts.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $268.68 |
| 30k-50k | $290.70 |
| 50k-75k | $308.98 |
| 75k-100k | $334.24 |
| 100k-150k | $440.13 |
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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