William in Saint-Hubert
Contents of $50,000
Premium: $426 per year
Premium computed in May 2026
Tenant insurance in Saint-Hubert 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 one of the most affordable coverages available and is often required by landlords as a lease condition.
Between 2019 and 2026, average tenant insurance premiums in Saint-Hubert show moderate volatility, moving from $335 to $333. After peaking at $383 in 2021, premiums have gradually declined to levels near their starting point, reflecting market stabilization in the local area after a period of adjustment.
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, tenant premiums vary significantly by contents coverage amount. Lower tiers (<20k and 20k-30k) show $265 and $276 respectively, while the representative 30k-50k tier sits at $311. A notable jump appears from 50k-75k ($375) onward, and the higher tiers (100k-150k at $856 and 150k+ at $816) reflect very different coverage profiles, possibly including commercial contents or special situations.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $271.29 |
| 30k-50k | $317.06 |
| 50k-75k | $362.01 |
| 75k-100k | $391.73 |
| 100k-150k | $856.04 |
The average premium in 2026 is $333 per year for a tenant in Saint-Hubert, reflecting stabilization after a peak in 2021.
For a representative coverage of $30k–$50k, the premium is $311 per year. Lower tiers ($20k–$30k) cost $276, while higher tiers increase progressively to $856 for $100k–$150k.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $265 per year for minimum coverage in Saint-Hubert.
It covers contents (furniture, electronics, clothing), additional living expenses after a loss, and civil liability toward the landlord and neighbors. It does not cover the building.
After peaking at $383 in 2021, premiums have gradually declined to $333 in 2026, reflecting local market stabilization and risk adjustment.
Comparing several insurers, increasing the deductible, and installing smoke detectors can reduce the $333 average premium by 10–15%.
Contents of $50,000
Premium: $426 per year
Premium computed in May 2026
Contents of $30,000
Premium: $222 per year
Premium computed in May 2026
Contents of $60,000
Premium: $586 per year
Premium computed in May 2026
Contents of $40,000
Premium: $226 per year
Premium computed in May 2026
Contents of $20,000
Premium: $507 per year
Premium computed in May 2026
Contents of $40,000
Premium: $390 per year
Premium computed in May 2026
Contents of $80,000
Premium: $325 per year
Premium computed in May 2026
Contents of $40,000
Premium: $594 per year
Premium computed in May 2026
Contents of $20,000
Premium: $226 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.
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