Claudia in Québec
Property of $2,000,000
Premium: $456 per year
Premium computed in May 2026
In Quebec City, condo insurance covers your unit, its contents, and your civil liability, complementing the condo corporation's coverage. The local market reflects a variety of risk profiles depending on location, building age, and flood-zone exposure.
Between 2019 and 2026, average condo insurance premiums in Quebec City show moderate volatility, fluctuating between $373 and $493. The average premium in 2026 stands at $446. This variation reflects local market adjustments to claims and changes in the risk profile of buildings in Quebec City.
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 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 |
The average premium in 2026 is $446 per year for a condo in Quebec City, reflecting moderate variation since 2019.
The progression is not linear: condos in the $250k–$300k range pay $484, while those in the $350k–$400k tier climb to $743. This variation reveals the significant impact of flood-zone exposure and local risk profile beyond simple value.
Flood-zone exposure and building age play a decisive role. A condo may have moderate value but a higher premium if it sits in a flood-risk zone or in an older building.
A condo in the $300k–$350k range pays roughly $494 per year, offering a good representation of the local market.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $446 average premium by 10–15%.
Condos at $700k and above show $435, less than some lower tiers. This suggests that higher-end buildings in Quebec City benefit from better construction or reduced flood-zone exposure.
Property of $2,000,000
Premium: $456 per year
Premium computed in May 2026
Property of $2,000,000
Premium: $376 per year
Premium computed in May 2026
Property of $350,000
Premium: $339 per year
Premium computed in May 2026
Property of $500,000
Premium: $475 per year
Premium computed in May 2026
Property of $250,000
Premium: $443 per year
Premium computed in May 2026
Property of $350,000
Premium: $932 per year
Premium computed in May 2026
Property of $160,000
Premium: $494 per year
Premium computed in May 2026
Property of $230,000
Premium: $450 per year
Premium computed in May 2026
Property of $250,000
Premium: $273 per year
Premium computed in May 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. |
||
