Ghislaine in Saint-Hyacinthe
Property of $400,000
Premium: $377 per year
Premium computed in April 2026
In Saint-Hyacinthe, the condo market offers a range of risk profiles and reconstruction values. Individual condo insurance covers your unit, its contents, and your civil liability, complementing the condo corporation's coverage for complete protection.
Over the available period (2020 to 2026), average condo insurance premiums in Saint-Hyacinthe show marked volatility, moving from $527 in 2020 to $330 in 2026. This variation reflects the gradual adjustment of the local market, fluctuations in claim composition, and changes in the risk profile of insured properties in the region.
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-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 |
The average premium in 2026 is $330 per year for a condo in Saint-Hyacinthe, down significantly from $527 in 2020.
The relationship between value and premium is not strictly linear. A $200k–$250k condo pays $344 per year, while a $500k–$550k condo pays $532, but properties at $700k+ pay only $297, reflecting the impact of flood-zone exposure and building-specific risk profile.
Between 2020 and 2026, premiums fluctuated from $527 to $330, reflecting local market adjustment, changes in claim composition, and shifts in the risk profile of insured buildings.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $330 per year in Saint-Hyacinthe.
A $200k–$250k condo pays $344 per year, offering a useful reference point for local market buyers.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can help reduce the $330 average premium.
Property of $400,000
Premium: $377 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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