André in Saint-Jean-Sur-Richelieu
Contents of $140,000
Premium: $357 per year
Premium computed in May 2026
Tenant insurance in Saint-Jean-sur-Richelieu 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 2020 and 2025, average tenant insurance premiums in Saint-Jean-sur-Richelieu show moderate volatility, moving from $326 to $309, a roughly 5% decline over six years. However, a notable increase is projected in 2026 to $378, likely reflecting a local market rate 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-Jean-sur-Richelieu, tenant premiums vary significantly by contents coverage amount. Modest coverage tiers (<20k and 20k-30k) cost $289 and $296 per year respectively, while mid-range tiers (30k-50k and 50k-75k) sit at $358 and $315. Higher coverage tiers (75k-100k and 100k-150k) reach $409 and $412, with a sharp jump to $1043 for 150k+. This non-linear progression reflects rate adjustment based on risk profile and claim density associated with each coverage level.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $297.68 |
| 30k-50k | $372.38 |
| 50k-75k | $311.28 |
| 75k-100k | $437.75 |
| 100k-150k | $416.40 |
The average premium in 2025 is $309 per year for a tenant in Saint-Jean-sur-Richelieu, although an increase to $378 is projected for 2026.
A tenant with 20k–30k coverage pays about $296 per year, while 30k–50k coverage reaches $358. Higher coverage (100k–150k) climbs to $412, with a sharp jump to $1043 for 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 $289 per year for minimal coverage.
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.
The projected increase from $309 in 2025 to $378 in 2026 likely reflects a local market rate adjustment and a reassessment of the risk profile.
Comparing several insurers, increasing the deductible, installing smoke and water detectors, and bundling with other coverages can reduce the $309 average premium by several tens of dollars.
Contents of $140,000
Premium: $357 per year
Premium computed in May 2026
Contents of $50,000
Premium: $229 per year
Premium computed in May 2026
Contents of $60,000
Premium: $211 per year
Premium computed in May 2026
Contents of $40,000
Premium: $384 per year
Premium computed in May 2026
Contents of $20,000
Premium: $334 per year
Premium computed in May 2026
Contents of $40,000
Premium: $388 per year
Premium computed in May 2026
Contents of $80,000
Premium: $740 per year
Premium computed in May 2026
Contents of $60,000
Premium: $212 per year
Premium computed in May 2026
Contents of $20,000
Premium: $282 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.
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