Linda in Saint-Basile-Le-Grand
Property of $500,000
Premium: $1141 per year
Premium computed in May 2026
Saint-Basile-le-Grand is a dynamic residential municipality in the Montreal metropolitan area, where the home insurance market for homeowners reflects significant variation based on property value and local risk exposure. Understanding this variation helps anticipate the true cost of your coverage.
Between 2019 and 2026, average home insurance premiums for homeowners in Saint-Basile-le-Grand show notable volatility, ranging between $1170 and $1526. The average premium in 2026 is $1288, reflecting cyclical market adjustments tied to claims, reconstruction costs, and shifts in the region's 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-Basile-le-Grand, the progression of premiums by property value shows pronounced acceleration in the upper tiers. A representative $500k–$600k home pays $1067 per year, while properties of $800k–$900k reach $2932 and those of $1M+ climb to $6003. This non-linear curve reflects flood-zone exposure, local risk profile, and reconstruction value — factors that play a decisive role beyond property value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $892.60 |
| 400k-500k | $1398.53 |
| 500k-600k | $1027.25 |
| 600k-700k | $1470.13 |
| 700k-800k | $2282.89 |
| 800k-900k | $2079.41 |
| 900k-1000k | $3344.12 |
| 2M+ | $6002.79 |
The average premium in 2026 is $1288 per year for a homeowner in Saint-Basile-le-Grand.
The progression is non-linear: a $500k–$600k home pays $1067, while a property of $800k–$900k reaches $2932. This acceleration reflects flood-zone exposure and local risk profile that intensify in the upper tiers.
Between 2019 and 2026, premiums swing between $1170 and $1526 due to cyclical market adjustments, local claims, and shifts in reconstruction costs.
$1067 per year — a representative tier of the local homeowner market.
Properties of $1M+ show a premium of $6003 per year, reflecting not only high reconstruction value but also increased flood-zone exposure and a more complex risk profile.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1288 average premium by several hundred dollars.
Property of $500,000
Premium: $1141 per year
Premium computed in May 2026
Property of $670,000
Premium: $1236 per year
Premium computed in May 2026
Property of $670,000
Premium: $2022 per year
Premium computed in May 2026
Property of $540,000
Premium: $462 per year
Premium computed in May 2026
Property of $550,000
Premium: $1399 per year
Premium computed in May 2026
Property of $650,000
Premium: $1466 per year
Premium computed in May 2026
Property of $600,000
Premium: $1037 per year
Premium computed in May 2026
Property of $950,000
Premium: $3344 per year
Premium computed in May 2026
Property of $650,000
Premium: $1740 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.
© 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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