Normand in Saint-Augustin-De-Desmaures
Property of $810,000
Premium: $1396 per year
Premium computed in May 2026
Saint-Augustin-de-Desmaures is a residential municipality in the Quebec City region where the home insurance market reflects the diversity of property profiles and local risk exposures. Understanding how value and context influence your premium helps you better anticipate your costs.
Between 2019 and 2026, average premiums for homeowners in Saint-Augustin-de-Desmaures show notable volatility, fluctuating between $1044 and $1544. Over this eight-year period, the premium moves from $1088 in 2019 to $1451 in 2026, reflecting gradual market adjustments tied to claim costs, materials, and regional weather conditions.
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 value reveals a non-linear curve: properties under $400k pay $886, while the $500k–$600k tier reaches $1429. Above $700k, premiums accelerate significantly, peaking at $3429 for properties of $1M and above. This acceleration in the higher tiers reflects not only reconstruction value but also flood-zone exposure and the specific risk profile of larger properties often situated near watercourses.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $831.37 |
| 400k-500k | $1233.00 |
| 500k-600k | $1172.77 |
| 600k-700k | $1239.51 |
| 700k-800k | $2270.72 |
| 800k-900k | $2271.82 |
| 900k-1000k | $2384.76 |
| 1M-2M | $2504.55 |
| 2M+ | $8193.53 |
The average premium in 2026 is $1451 per year for a homeowner in Saint-Augustin-de-Desmaures.
The premium ranges from $886 for properties under $400k to $1429 for the $500k–$600k tier. Above $700k, acceleration becomes marked, reaching $3429 for properties of $1M and above, reflecting flood-zone exposure and local risk profile.
The acceleration above $700k is driven by increased flood-zone exposure, properties often located near watercourses, and the specific risk profile of larger homes.
$1429 per year — a representative tier of the local homeowner market.
Between 2019 and 2026, the premium moved from $1088 to $1451, with notable volatility reflecting market adjustments tied to claim costs and regional weather conditions.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1451 average premium by several hundred dollars.
Property of $810,000
Premium: $1396 per year
Premium computed in May 2026
Property of $580,000
Premium: $872 per year
Premium computed in May 2026
Property of $800,000
Premium: $1709 per year
Premium computed in May 2026
Property of $600,000
Premium: $1526 per year
Premium computed in May 2026
Property of $400,000
Premium: $828 per year
Premium computed in May 2026
Property of $1,100,000
Premium: $1962 per year
Premium computed in May 2026
Property of $500,000
Premium: $1178 per year
Premium computed in May 2026
Property of $360,000
Premium: $629 per year
Premium computed in May 2026
Property of $500,000
Premium: $1234 per year
Premium computed in May 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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