Tenant insurance prices in Saint-Hyacinthe

HOME INSURANCE COSTS FOR A TENANT IN SAINT-HYACINTHE (LAST 7 YEARS)

Tenant insurance in Saint-Hyacinthe 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-Hyacinthe show notable volatility, moving from $201 to $291. After peaking in 2023 ($383), premiums stabilize and decline gradually, reflecting local market adjustments and recent moderation in claim costs.

Factors influencing your home insurance premium

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:

Property value and replacement cost - The higher your property value, the higher the premium, since the cost of rebuilding after a loss is greater.

Property type - A house, a condo, and a rental unit present different risks and are insured differently.

Location and postal code - Urban density, crime rates, proximity to fire hydrants, and presence in flood zones directly affect the premium.

Building characteristics - Year built, materials, condition of roof, plumbing, and electrical system.

Prevention measures - Alarm systems, smoke detectors, sprinklers, and other safety devices generally reduce the premium.

Claims history - A claim-free record favors more advantageous premiums.

Coverage choices - Deductible amount, liability limits, and optional protections adjust the premium.

Average premium by property value in Saint-Hyacinthe

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

Frequently asked questions

How much does tenant insurance cost in Saint-Hyacinthe?

The average premium in 2026 is $291 per year for a tenant in Saint-Hyacinthe, following a period of volatility between 2019 and 2025.

How does the coverage amount affect the premium in Saint-Hyacinthe?

A representative coverage of $30k–$50k costs $300 per year, while higher coverage of $100k–$150k reaches $381. The progression reflects primarily the insured contents value.

Is tenant insurance mandatory in Quebec?

No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $259 per year for modest coverage in Saint-Hyacinthe.

What does tenant insurance cover?

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.

Why did premiums fluctuate between 2019 and 2026?

Premiums peaked at $383 in 2023, then stabilized and declined gradually, reflecting local market adjustments and recent moderation in claim costs.

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria

Analysis period: Our analyses are based on millions of insurance submissions from recent years (up to a 10-year window), ensuring the relevance of our comparisons.

Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.

Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.

Last update: 05/29/2026

Tenant insurance price examples in Saint-Hyacinthe

HOME INSURANCE COSTS FOR A TENANT IN SAINT-HYACINTHE (LAST 7 YEARS)

Factors influencing your home insurance premium

Average premium by property value in Saint-Hyacinthe

Frequently asked questions

Offers received by our customers for tenant insurance in Saint-Hyacinthe

Marie Anne in Saint-Hyacinthe

Alexanne in Saint-Hyacinthe

Ndeye Binta in Saint-Hyacinthe

Lise in Saint-Hyacinthe

Benoit in Saint-Hyacinthe

Stéphanie in Saint-Hyacinthe

Stéphanie in Saint-Hyacinthe

Helios in Saint-Hyacinthe

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Methodology

Coverage types in Saint-Hyacinthe

Tenant in other cities

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