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Tenant insurance price examples in Saint-Basile-le-Grand

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HOME INSURANCE COSTS FOR A TENANT IN SAINT-BASILE-LE-GRAND (LAST 6 YEARS)

In Saint-Basile-le-Grand, tenant insurance protects personal belongings, civil liability, and certain living expenses after a loss. It does not cover the building, which remains the landlord's responsibility, but it helps tenants avoid major costs after theft, fire, or water damage.

The available historical data for Saint-Basile-le-Grand covers six years: 2020, 2022, 2023, 2024, 2025, and 2026. Premiums show marked volatility, moving from $350 in 2020 to $426 in 2022, then falling to $258 in 2023, rising to $307 in 2024, stabilizing at $312 in 2025, before dropping to $217 in 2026. This significant variation makes it difficult to identify a clear long-term trend. The data suggests instead fluctuations tied to changes in risk composition, insured amounts, or local market conditions.

Factors influencing your home insurance premium

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:

  • Property value and replacement cost - The higher your property value, the higher the premium, since the cost of rebuilding after a loss is greater.
  • Property type - A house, a condo, and a rental unit present different risks and are insured differently.
  • Location and postal code - Urban density, crime rates, proximity to fire hydrants, and presence in flood zones directly affect the premium.
  • Building characteristics - Year built, materials, condition of roof, plumbing, and electrical system.
  • Prevention measures - Alarm systems, smoke detectors, sprinklers, and other safety devices generally reduce the premium.
  • Claims history - A claim-free record favors more advantageous premiums.
  • Coverage choices - Deductible amount, liability limits, and optional protections adjust the premium.

Average premium by property value in Saint-Basile-le-Grand

In Saint-Basile-le-Grand, tenant premiums vary according to the insured contents amount. The 30k-50k tier shows $206, the 20k-30k tier reaches $228, while the 50k-75k tier rises to $687. This progression shows that the insured contents amount influences premiums, but the gap between the 50k-75k tier and the two lower tiers is remarkably large. This discontinuity may reflect a change in risk profile, claim composition, or coverage conditions associated with higher amounts.

Contents value Average price over the last 12 months
20k-30k $227.85
30k-50k $206.13
50k-75k $686.7

Frequently asked questions (FAQ)

How much does tenant insurance cost in Saint-Basile-le-Grand?
The average premium in 2026 is $217 per year for a tenant in Saint-Basile-le-Grand, based on the provided data.
Are tenant premiums stable in Saint-Basile-le-Grand?
No. Premiums show significant volatility, moving from $350 in 2020 to $426 in 2022, then to $258 in 2023, before stabilizing around $307–$312 in 2024–2025 and dropping to $217 in 2026.
How does the insured contents amount influence the premium in Saint-Basile-le-Grand?
The 30k-50k tier shows $206, while the 50k-75k tier reaches $687, showing a significant gap depending on the contents amount covered.
Why is the 50k-75k tier much more expensive?
The significant gap between $687 for the 50k-75k tier and $206–$228 for the lower tiers may reflect a change in risk profile, claim composition, or coverage conditions associated with higher amounts.
What does tenant insurance cover?
It generally covers personal belongings, civil liability, and certain living expenses after a loss. In Saint-Basile-le-Grand, the average premium in 2026 for this protection reaches $217.

Offers received by our customers for tenant insurance in Saint-Basile-le-Grand

Philippe in Saint-Basile-Le-Grand

Contents of $40,000

Premium: $206 per year

Premium computed in August 2026

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria

  • Analysis period: Our analyses are based on millions of insurance submissions from recent years (up to a 10-year window), ensuring the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last update: 08/17/2026
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