Daniel in Québec
Property of $700,000
Premium: $2207 per year
Premium computed in May 2026
In Quebec City, home insurance for homeowners covers the structure, systems, and permanent improvements against major losses. The local market reflects exposure to St. Lawrence River flood zones and harsh winter conditions — key factors influencing premiums.
Between 2019 and 2026, average premiums for homeowners in Quebec City show a volatile trajectory, moving from $1079 to $1277. After an initial rise through 2023 ($1304), premiums stabilize and dip slightly in 2024–2025 before rising again in 2026. This roughly 18% variation over eight years reflects market adjustments to weather claims, reconstruction costs, and insurer competition.
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 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 |
The average premium in 2026 is $1277 per year for a homeowner in Quebec City, after a variable trajectory between 2019 and 2025.
The premium climbs roughly $180 to $220 per $100k value increment up to $900k. A representative $500k–$600k home pays $1316 per year, while beyond $1 million, the premium jumps to $3505 due to increased reconstruction complexity.
The roughly 18% variation reflects market adjustments to weather claims, rising reconstruction costs, and insurer competition. A peak in 2023 ($1304) was followed by a slight dip and then a rise again in 2026.
Exposure to St. Lawrence River flood zones is the dominant factor explaining premium variation. It particularly influences high-value properties (1M+), where the premium reaches $3505.
$1316 per year — a representative tier of the local homeowner market.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1277 average premium by 10–15%.
Property of $700,000
Premium: $2207 per year
Premium computed in May 2026
Property of $450,000
Premium: $992 per year
Premium computed in May 2026
Property of $450,000
Premium: $618 per year
Premium computed in May 2026
Property of $440,000
Premium: $782 per year
Premium computed in May 2026
Property of $550,000
Premium: $780 per year
Premium computed in May 2026
Property of $410,000
Premium: $1273 per year
Premium computed in May 2026
Property of $550,000
Premium: $1066 per year
Premium computed in May 2026
Property of $1,100,000
Premium: $5340 per year
Premium computed in May 2026
Property of $400,000
Premium: $938 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. |
||
