Marie-Felix in Saint-Apollinaire
Property of $400,000
Premium: $1948 per year
Premium computed in May 2026
Saint-Apollinaire is a residential municipality near Lévis and Quebec City, where the home insurance market for homeowners reflects a regional risk profile. The available data spans an extended period and allows analysis of local trends and variations by property value.
Between 2019 and 2026, average home insurance premiums for homeowners in Saint-Apollinaire show notable volatility, moving from $1016 in 2019 to $1445 in 2026. After a dip in 2020 ($972), premiums gradually increase through 2023 ($1159), drop in 2024 ($1025), then rise again in 2025 and 2026. This trajectory reflects local market adjustments in response to weather-related claims and reconstruction cost variations.
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-Apollinaire, the progression of premiums by property value shows an atypical pattern: homes under $400k pay $821, while those valued $500k–$600k reach $1868. However, the $600k–$700k tier drops to $1190, and the $700k–$800k tier jumps to $4315, suggesting strong influence from flood-zone exposure and risk profile specific to each segment rather than simple linear progression based on reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $867.08 |
| 400k-500k | $1276.34 |
| 500k-600k | $1984.14 |
| 600k-700k | $1189.54 |
| 700k-800k | $4315.31 |
| 1M-2M | $1743.67 |
The average premium in 2026 is $1445 per year for a homeowner in Saint-Apollinaire.
The relationship between value and premium is complex: a $500k–$600k home pays $1868 per year, while a $600k–$700k home pays $1190. This non-linear variation reflects flood-zone exposure and local risk profile more than value alone.
The premium fell to $1025 in 2024 after a period of increases, then rose to $1402 in 2025 and $1445 in 2026, reflecting market adjustments in response to claims and reconstruction costs.
$1868 per year — a significantly higher amount than lower tiers, indicating increased exposure to risks specific to this value segment.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1445 average premium by several hundred dollars.
$821 per year — the most affordable tier available, reflecting the risk profile and limited exposure of this market segment.
Property of $400,000
Premium: $1948 per year
Premium computed in May 2026
Property of $500,000
Premium: $621 per year
Premium computed in April 2026
Property of $430,000
Premium: $817 per year
Premium computed in April 2026
Property of $400,000
Premium: $1645 per year
Premium computed in April 2026
Property of $200,000
Premium: $884 per year
Premium computed in March 2026
Property of $600,000
Premium: $1418 per year
Premium computed in March 2026
Property of $750,000
Premium: $4315 per year
Premium computed in March 2026
Property of $300,000
Premium: $636 per year
Premium computed in March 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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