Cm in Saint-Jean-Sur-Richelieu
Property of $500,000
Premium: $754 per year
Premium computed in May 2026
In Saint-Jean-sur-Richelieu, the condo market offers a diverse range of property profiles and values. The interaction between the condo corporation's coverage and the unit owner's individual policy requires careful attention to avoid coverage gaps.
Between 2019 and 2026, average condo insurance premiums in Saint-Jean-sur-Richelieu show notable volatility, moving from $393 to $573 with significant fluctuations throughout the period. This variation reflects local market adjustments, changes in the claims portfolio composition, and evolving repair costs 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-Jean-sur-Richelieu, the progression of premiums by condo value is irregular, reflecting the combined influence of flood-zone exposure, local risk profile, and reconstruction value. Premiums range from $228 for the 650k–700k segment to $689 for the 500k–550k segment, demonstrating that value alone does not determine the premium — regional risk factors play a decisive role in pricing.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $288 |
| 200k-300k | $455.12 |
| 300k-400k | $451.60 |
| 400k-500k | $417.61 |
| 500k-600k | $689.47 |
| 700k-800k | $213.12 |
| 800k+ | $462.52 |
The average premium in 2026 is $573 per year for a condo in Saint-Jean-sur-Richelieu.
The relationship between value and premium is complex: a $300k–$350k condo pays $641, while a $500k–$550k condo pays $689. Flood-zone exposure and local risk profile influence pricing more than reconstruction value alone.
Between 2019 and 2026, premiums move from $393 to $573, reflecting local market adjustments, changes in claim frequency, and evolving regional repair costs.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $573 per year in Saint-Jean-sur-Richelieu.
$641 per year — a representative tier of the local condo owner market.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $573 average premium by 10–20%.
Property of $500,000
Premium: $754 per year
Premium computed in May 2026
Property of $2,000,000
Premium: $812 per year
Premium computed in May 2026
Property of $790,000
Premium: $213 per year
Premium computed in May 2026
Property of $500,000
Premium: $461 per year
Premium computed in April 2026
Property of $1,000,000
Premium: $237 per year
Premium computed in April 2026
Property of $320,000
Premium: $566 per year
Premium computed in April 2026
Property of $280,000
Premium: $543 per year
Premium computed in March 2026
Property of $300,000
Premium: $717 per year
Premium computed in February 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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