Déliska Richard in Saint-Jérôme
Contents of $50,000
Premium: $392 per year
Premium computed in May 2026
Tenant insurance in Saint-Jérôme 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-Jérôme show a volatile trajectory, moving from $381 in 2019 to a low of $322 in 2023, before gradually rising to $352 in 2026. This variation reflects local market adjustments and claim-frequency fluctuations, without a clearly established trend over the period.
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-Jérôme, tenant premiums vary significantly by contents coverage: starting at $282 for coverage under $20k, they progress steadily to $361 for the $75k–$100k tier, then accelerate sharply to $580 for $100k–$150k and $1321 for $150k+. This non-linear curve reflects the shift in risk profile and contents composition at higher coverage levels.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $293.44 |
| 30k-50k | $351.00 |
| 50k-75k | $355.25 |
| 75k-100k | $369.21 |
| 100k-150k | $579.61 |
The average premium in 2026 is $352 per year for a tenant in Saint-Jérôme, reflecting a slight recovery after a low of $322 in 2023.
The premium progresses gradually from $282 for coverage under $20k to $361 for the $75k–$100k tier, then accelerates to $580 for $100k–$150k, reflecting a shift in risk profile.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $282 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 gap between $282 (under $20k) and $1321 ($150k+) reflects the increase in contents to protect and the risk profile associated with higher coverage levels.
Choosing coverage matched to your actual contents, increasing the deductible, and comparing several insurers can reduce the $352 average premium by several dozen dollars.
Contents of $50,000
Premium: $392 per year
Premium computed in May 2026
Contents of $20,000
Premium: $265 per year
Premium computed in May 2026
Contents of $30,000
Premium: $261 per year
Premium computed in May 2026
Contents of $50,000
Premium: $414 per year
Premium computed in May 2026
Contents of $30,000
Premium: $316 per year
Premium computed in May 2026
Contents of $50,000
Premium: $256 per year
Premium computed in May 2026
Contents of $40,000
Premium: $537 per year
Premium computed in May 2026
Contents of $20,000
Premium: $254 per year
Premium computed in May 2026
Contents of $40,000
Premium: $221 per year
Premium computed in May 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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