Daphné in Saint-Hubert
Property of $180,000
Premium: $400 per year
Premium computed in May 2026
In Saint-Hubert, the condo market is diverse and reflects active residential dynamics in the Montreal suburbs. The interaction between the condo corporation's coverage and the unit owner's individual policy requires careful attention to avoid coverage gaps.
Between 2020 and 2026, average condo insurance premiums in Saint-Hubert show notable volatility, moving from $449 to $428. Over this seven-year period, premiums have fluctuated between $416 and $543, reflecting market adjustments, changes in claim experience, and shifts in the local risk profile. The overall trend remains relatively stable despite year-to-year swings.
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-Hubert, condo premiums vary by unit value, with a general progression that accelerates in mid-range tiers. A representative $200k–$250k condo pays $479 per year, while smaller units (under $100k) cost $416 and larger ones ($700k+) reach $399. This variation reflects flood-zone exposure, building age, and local risk profile, which can influence the premium more than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $428.50 |
| 200k-300k | $494.74 |
| 300k-400k | $461.86 |
| 400k-500k | $471.58 |
| 800k+ | $398.84 |
The average premium in 2026 is $428 per year for a condo in Saint-Hubert, reflecting relative stability despite fluctuations observed between 2020 and 2026.
The premium varies by value tier: a representative $200k–$250k condo pays $479 per year, while smaller units (under $100k) cost $416 and larger ones ($700k+) reach $399.
Between 2020 and 2026, premiums have swung between $416 and $543, reflecting market adjustments, changes in claim experience, and shifts in the local risk profile.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $428 per year in Saint-Hubert.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $428 average premium by 10–20%.
Property of $180,000
Premium: $400 per year
Premium computed in May 2026
Property of $400,000
Premium: $501 per year
Premium computed in May 2026
Property of $420,000
Premium: $621 per year
Premium computed in May 2026
Property of $20,000
Premium: $268 per year
Premium computed in May 2026
Property of $400,000
Premium: $214 per year
Premium computed in May 2026
Property of $20,000
Premium: $251 per year
Premium computed in May 2026
Property of $450,000
Premium: $550 per year
Premium computed in April 2026
Property of $140,000
Premium: $478 per year
Premium computed in April 2026
Property of $3,920,000
Premium: $382 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.
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