Raphaël in Saint-Amable
Contents of $50,000
Premium: $382 per year
Premium computed in May 2026
Tenant insurance in Saint-Amable 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.
Over the available period (2020–2026), average tenant insurance premiums in Saint-Amable show marked volatility, moving from $639 in 2020 to $311 in 2026. This irregular trajectory, with peaks in 2020 and 2023 followed by significant drops, suggests major market adjustments rather than an established linear trend. The most recent data (2025 at $400, 2026 at $311) indicates a downward correction.
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 Saint-Amable, tenant premiums vary by contents coverage amount: modest coverage tiers (under $20k and $20k–$30k) show $236 and $238 per year, while fuller coverage tiers climb to $324 ($30k–$50k), $399 ($50k–$75k), and $476 ($75k–$100k). The progression is steady and reflects primarily the volume of contents insured, with local risk profile playing a secondary role.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $237.53 |
| 30k-50k | $316.77 |
| 50k-75k | $362.40 |
The average premium in 2026 is $311 per year for a tenant in Saint-Amable, reflecting a downward correction after previous years.
The premium progresses steadily with the insured amount: $236 for under $20k, $324 for $30k–$50k, and $476 for $75k–$100k. A tenant with representative coverage of $30k–$50k pays $324 per year.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $236 per year for modest coverage tiers.
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.
The decrease from $400 to $311 between 2025 and 2026 likely reflects a local market adjustment or correction following the volatility observed in previous years in the region.
Contents of $50,000
Premium: $382 per year
Premium computed in May 2026
Contents of $50,000
Premium: $361 per year
Premium computed in May 2026
Contents of $40,000
Premium: $335 per year
Premium computed in May 2026
Contents of $20,000
Premium: $249 per year
Premium computed in May 2026
Contents of $50,000
Premium: $314 per year
Premium computed in May 2026
Contents of $40,000
Premium: $387 per year
Premium computed in April 2026
Contents of $20,000
Premium: $262 per year
Premium computed in April 2026
Contents of $20,000
Premium: $201 per year
Premium computed in April 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.
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