Chantal in Québec
Contents of $40,000
Premium: $439 per year
Premium computed in May 2026
Tenant insurance in Quebec City 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 Quebec City show a general downward trend, moving from $407 in 2019 to $287 in 2026. This roughly 30% decrease over seven years reflects a gradual correction of rates following an initially higher period, as well as stabilization of the rental market in the region.
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, 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 |
The average premium in 2026 is $287 per year for a tenant in Quebec City, down 30% since 2019.
For a representative coverage of $30k–$50k, the premium is $284 per year. Modest coverage (under $20k) costs $271, while higher coverage ($100k–$150k) reaches $456 — a progression that accelerates beyond $100k.
The 30% decrease between 2019 and 2026 reflects a gradual correction of rates and stabilization of the rental market in the Quebec City region.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $271 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.
For that contents amount, the premium is $320 per year — a representative tier of the Quebec City rental market.
Coverage of $150k or more costs $914 per year in Quebec City, versus $284 for $30k–$50k, because claim risk and replacement value increase substantially with the insured amount.
Contents of $40,000
Premium: $439 per year
Premium computed in May 2026
Contents of $20,000
Premium: $273 per year
Premium computed in May 2026
Contents of $40,000
Premium: $206 per year
Premium computed in May 2026
Contents of $20,000
Premium: $232 per year
Premium computed in May 2026
Contents of $20,000
Premium: $243 per year
Premium computed in May 2026
Contents of $50,000
Premium: $240 per year
Premium computed in May 2026
Contents of $30,000
Premium: $316 per year
Premium computed in May 2026
Contents of $30,000
Premium: $338 per year
Premium computed in May 2026
Contents of $100,000
Premium: $300 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
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