Paul in Saint-Georges
Property of $330,000
Premium: $368 per year
Premium computed in May 2026
In Saint-Georges, the condo market is characterized by notable premium volatility over recent years, reflecting significant adjustments in local risk assessment. Understanding the interaction between the condo corporation's coverage and individual unit owner insurance remains essential to avoid coverage gaps.
Between 2020 and 2026, average condo insurance premiums in Saint-Georges show marked volatility, moving from $409 in 2020 to a peak of $1004 in 2022, then declining to $432 in 2025 and rising to $513 in 2026. This irregular trajectory suggests significant adjustments in local risk assessment and claims experience rather than a stable linear trend.
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-Georges, premiums vary significantly across value tiers: a $100k–$150k condo pays $659 per year, while a $200k–$250k condo pays $413 and a $300k–$350k condo pays $428 per year. This non-linear progression — where higher value does not systematically correspond to higher premium — reflects the influence of local risk factors such as flood-zone exposure and building risk profile, which can outweigh reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $659.06 |
| 200k-300k | $471.95 |
| 300k-400k | $367.59 |
The average premium in 2026 is $513 per year for a condo in Saint-Georges, following a period of marked volatility between 2020 and 2025.
Between 2020 and 2022, premiums rose from $409 to $1004, then fell to $432 in 2025 before rising to $513 in 2026. This volatility reflects significant adjustments in local risk assessment and claims experience.
A representative $200k–$250k condo pays $413 per year, while a $100k–$150k condo pays $659 — a non-linear progression where flood-zone exposure and building risk profile play a major role.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $513 per year in Saint-Georges.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $513 average premium by 10–20%.
A $100k–$150k condo pays $659 while a $200k–$250k condo pays $413. This reversal reflects flood-zone exposure and building risk profile, which can outweigh reconstruction value alone.
Property of $330,000
Premium: $368 per year
Premium computed in May 2026
Property of $110,000
Premium: $659 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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