Danielle in Saint-Hubert
Property of $1,860,000
Premium: $2420 per year
Premium computed in May 2026
In Saint-Hubert, home insurance for homeowners reflects a dynamic residential market in the south suburbs of Montreal. Premiums have undergone notable evolution over the past decade, influenced by shifts in local risk and adjustments in the Quebec insurance market.
Between 2019 and 2026, average home insurance premiums for homeowners in Saint-Hubert show a complex trajectory. After a sharp rise from $595 in 2019 to $1187 in 2021, premiums stabilize around $1260–$1270 from 2022 to 2024, then climb to $1422 in 2025 before settling at $1294 in 2026. This volatility reflects successive market adjustments in response to weather-related claims and shifts in the local 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-Hubert, premiums climb roughly $140 to $180 per $100k value increment, but with a notable non-linear curve. A representative $500k–$600k home pays $1289 per year. However, the $900k–$1M segment shows $2776, and the $1M+ segment shows $2519, revealing sharp acceleration at higher values. Flood-zone exposure and the local risk profile may explain this steeper progression than reconstruction value alone would suggest.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $909.59 |
| 400k-500k | $1180.38 |
| 500k-600k | $1326.27 |
| 600k-700k | $1531.63 |
| 700k-800k | $1545.66 |
| 800k-900k | $1663.00 |
| 900k-1000k | $2328.04 |
| 1M-2M | $2518.69 |
The average premium in 2026 is $1294 per year for a homeowner in Saint-Hubert, reflecting stabilization after the 2025 increase.
The premium climbs roughly $140 to $180 per $100k value increment up to $800k. A representative $500k–$600k home pays $1289 per year, but acceleration intensifies at higher values, notably due to flood-zone exposure.
The jump from $595 in 2019 to $1187 in 2021 reflects a major market adjustment following the accumulation of weather-related claims and a reassessment of Saint-Hubert's local risk profile.
$1289 per year — a representative tier of the local homeowner market.
Homes at $1M+ show $2519 per year, a sharp acceleration compared to the linear progression of lower tiers. This reflects heightened flood-zone exposure, more complex risk profiles, and substantial reconstruction costs.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1294 average premium by several hundred dollars.
Property of $1,860,000
Premium: $2420 per year
Premium computed in May 2026
Property of $350,000
Premium: $570 per year
Premium computed in May 2026
Property of $550,000
Premium: $581 per year
Premium computed in May 2026
Property of $550,000
Premium: $969 per year
Premium computed in May 2026
Property of $350,000
Premium: $623 per year
Premium computed in May 2026
Property of $600,000
Premium: $900 per year
Premium computed in May 2026
Property of $1,000,000
Premium: $1240 per year
Premium computed in May 2026
Property of $600,000
Premium: $970 per year
Premium computed in May 2026
Property of $500,000
Premium: $680 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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