Sylvain in Saint-Augustin-De-Desmaures
Property of $100,000
Premium: $267 per year
Premium computed in March 2026
In Saint-Augustin-de-Desmaures, the condo market shows significant premium variability based on property value and local risk exposure. Understanding the interaction between the condo corporation's coverage and your individual policy is essential to avoid coverage gaps.
Over the available period (2019–2026), average premiums for condo owners in Saint-Augustin-de-Desmaures show notable volatility, moving from $405 in 2019 to $534 in 2020, then $524 in 2021, before declining to $419 in 2024 and rising to $538 in 2025 and $534 in 2026. This fluctuation reflects local market adjustments and variations in the claims risk profile.
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-Augustin-de-Desmaures, the premium progression by condo value is irregular and non-linear. Condos valued at $100k–$150k show $267, while those at $300k–$350k reach $839, and the largest ($700k+) sit at $449. This atypical variation suggests that flood-zone exposure and local risk profile play a more important role than reconstruction value alone in determining premiums.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $266.69 |
| 200k-300k | $282.55 |
| 300k-400k | $941.76 |
| 400k-500k | $617.25 |
| 600k-700k | $398.53 |
| 700k-800k | $719.4 |
| 800k+ | $313.46 |
The average premium in 2026 is $534 per year for a condo owner in Saint-Augustin-de-Desmaures.
The progression is irregular: a condo valued at $250k–$300k pays $313, while one at $300k–$350k reaches $839. This variation reflects the influence of flood-zone exposure and local risk profile.
Between 2019 and 2026, premiums range from $405 to $538, reflecting local market adjustments and changes in the claims risk profile.
Flood-zone exposure and local risk profile play a more important role than reconstruction value alone, explaining the non-linear progression observed.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $534 average premium by 10–20%.
Property of $100,000
Premium: $267 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.
© 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
|
Client
The customer portal allows you to create and manage your insurance requests. Use this link if you are a consumer of ClicAssure services. |
||
Insurer The insurer portal allows clicassure partners to connect and manage the requests assigned to them. Use this link if you are a ClicAssure partner. |
||
