In Rimouski, 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 Rimouski, the progression of premiums by home value is strongly non-linear and reveals the major impact of flood-zone exposure. Homes under $400k pay $886, while those $400k–$500k pay $1222 — a 38% jump for a modest value increment. Beyond that, the curve becomes erratic: $600k–$700k reaches $1857, but $800k–$900k climbs to $2840, reflecting concentrations of flood risk in certain sectors. A representative $500k–$600k home pays $1156 per year. This volatility underscores that reconstruction value alone does not determine the premium: flood-zone exposure and the local hydrological risk profile play a decisive role.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $899.61 |
| 400k-500k | $1199.08 |
| 500k-600k | $1216.60 |
| 600k-700k | $1701.70 |
| 700k-800k | $1667.38 |
| 800k-900k | $2840.43 |
| 900k-1000k | $1662.10 |
| 1M-2M | $3481.06 |
In Rimouski, available data covers only two value tiers: condos under $100k show an average premium of $355, while those in the $300k–$350k range sit at $329. This relative inversion — where a higher tier shows a slightly lower premium — may be explained by differences in local risk profile, flood-zone exposure, or the specific composition of the regional portfolio rather than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $355.34 |
| 300k-400k | $329.29 |
In Rimouski, tenant premiums vary considerably by contents coverage tier. The lower tiers (<20k, 20k-30k, and 30k-50k) show close and moderate premiums ($271 to $275), while mid-range tiers (50k-75k and 75k-100k) climb to $339 and $346. The highest tier (100k-150k) reaches $934, reflecting a sharp jump tied to substantial contents coverage and associated risk profile.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $274.84 |
| 30k-50k | $264.73 |
| 50k-75k | $353.43 |
| 75k-100k | $345.84 |
| 100k-150k | $934.13 |
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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