Mickael in Saint-Charles-Borromée
Contents of $40,000
Premium: $537 per year
Premium computed in May 2026
Tenant insurance in Saint-Charles-Borromée 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 often required by landlords and remains one of the most affordable coverages available.
Over the available period from 2020 to 2026, average tenant insurance premiums in Saint-Charles-Borromée show marked volatility, moving from $490 in 2020 to $271 in 2026. This overall decline of roughly 45% likely reflects pricing adjustments, improvement in the local risk profile, or a correction following an initial overvaluation period. Recent trends (2023 to 2026) show stabilization around $280–$290.
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-Charles-Borromée, tenant premiums vary significantly by contents coverage amount. Lower tiers (20k–30k and 30k–50k) show $246 and $264 respectively, while higher tiers (100k–150k and 150k+) climb to $426 and $556. This non-linear progression — with compression in the mid-range tier (75k–100k at $228) — suggests that risk profile and claim composition play as important a role as the insured amount alone.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $244.40 |
| 30k-50k | $272.45 |
| 50k-75k | $296.35 |
| 75k-100k | $227.66 |
| 100k-150k | $426.06 |
The average premium in 2026 is $271 per year for a tenant in Saint-Charles-Borromée, down significantly from $490 in 2020.
The premium varies by tier: $246 for 20k–30k, $264 for 30k–50k, $283 for 50k–75k, $228 for 75k–100k, $426 for 100k–150k, and $556 for 150k+. A representative tier of 30k–50k pays $264 per year.
The roughly 45% decline between 2020 and 2026 likely reflects pricing adjustments, improvement in the local risk profile, and market stabilization around $280–$290.
No, it is not mandatory in Quebec, but it is often required by landlords and remains very affordable, starting at $246 per year for 20k–30k coverage.
It covers contents (furniture, electronics, clothing), additional living expenses after a loss, and your civil liability toward the landlord and neighbors. It does not cover the building.
The 30k–50k tier at $264 per year represents a balanced choice for most tenants and provides adequate coverage for typical household contents.
Contents of $40,000
Premium: $537 per year
Premium computed in May 2026
Contents of $30,000
Premium: $240 per year
Premium computed in May 2026
Contents of $40,000
Premium: $203 per year
Premium computed in May 2026
Contents of $50,000
Premium: $324 per year
Premium computed in May 2026
Contents of $20,000
Premium: $201 per year
Premium computed in May 2026
Contents of $20,000
Premium: $319 per year
Premium computed in May 2026
Contents of $20,000
Premium: $201 per year
Premium computed in May 2026
Contents of $40,000
Premium: $239 per year
Premium computed in May 2026
Contents of $60,000
Premium: $326 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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