In Saint-Hyacinthe, your premium depends on several factors: the property value, the exact postal code, the year of construction, and your insurance history. Pick the profile that matches your situation to see the typical premiums recently obtained by ClicAssure clients.
In Saint-Hyacinthe, the progression of premiums by home value is highly irregular and reveals strong influence from factors beyond reconstruction value alone. Homes under $400k pay $968, while the $500k–$600k tier reaches $1528; however, the jump to $900k–$1M ($4183) and $1M+ ($5136) is extremely pronounced. This spectacular acceleration in higher values suggests strong influence from flood-zone exposure, risk profile specific to certain neighborhoods, or concentrated claims in these market segments.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1003.44 |
| 400k-500k | $1184.30 |
| 500k-600k | $1585.69 |
| 600k-700k | $1631.36 |
| 700k-800k | $1627.99 |
| 800k-900k | $2381.68 |
| 900k-1000k | $4183.30 |
| 1M-2M | $5849.67 |
In Saint-Hyacinthe, condo premiums vary non-linearly with reconstruction value. Condos valued at $150k–$200k pay $387, while those at $500k–$550k pay $532. However, properties at $700k+ show a lower premium of $297, suggesting a strong influence from factors such as flood-zone exposure and building-specific risk profile, beyond reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $365.45 |
| 200k-300k | $344.44 |
| 400k-500k | $406.51 |
| 500k-600k | $531.92 |
| 700k-800k | $327.73 |
| 800k+ | $281.32 |
In Saint-Hyacinthe, tenant premiums vary by contents coverage amount: small coverage (under $20k) starts at $259, while mid-range coverage ($30k–$50k) sits at $300. Higher coverage ($100k–$150k) reaches $381. The roughly 47% gap between lowest and highest reflects primarily the insured contents value, with local risk profile playing a secondary role.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $269.88 |
| 30k-50k | $298.36 |
| 50k-75k | $338.01 |
| 75k-100k | $267.68 |
| 100k-150k | $388.63 |
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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