Nicolas in Saint-Apollinaire
Contents of $20,000
Premium: $272 per year
Premium computed in April 2026
Tenant insurance in Saint-Apollinaire 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 2020 and 2026, average tenant insurance premiums in Saint-Apollinaire show notable volatility, moving from $245 to $272. The data displays significant fluctuations over this period, with a peak at $452 in 2022 and subsequent downward adjustments. This variation likely reflects local rate adjustments and changes in the risk portfolio composition.
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, tenant premiums vary considerably by contents coverage amount. Coverage in the $30k–$50k range shows the highest premium at $417, while coverage under $20k costs $398 and $75k–$100k coverage reaches $266. This non-linear progression reflects the interplay between local risk profile, claim density, and rate adjustments specific to each coverage tier.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $272.5 |
| 75k-100k | $266.12 |
The average premium in 2026 is $272 per year for a tenant in Saint-Apollinaire.
Premiums vary by contents tier: under $20k costs $398, $20k–$30k costs $272, and $30k–$50k reaches $417 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 $266 per year for $75k–$100k coverage in Saint-Apollinaire.
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.
Between 2020 and 2026, premiums showed notable volatility, with a peak at $452 in 2022 followed by downward adjustments, reflecting local rate changes and risk portfolio composition shifts.
The $75k–$100k tier shows the lowest premium at $266 per year, offering substantial contents coverage at a moderate cost.
Contents of $20,000
Premium: $272 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.
© 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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