Vanessa in Saint-Raymond
Contents of $60,000
Premium: $451 per year
Premium computed in May 2026
Tenant insurance in Saint-Raymond 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-Raymond show notable volatility, moving from $797 in 2019 to $327 in 2026. This fluctuation likely reflects methodological adjustments in local data collection and variations in the composition of insured portfolios rather than a stable market trend. Recent data (2024–2026) stabilizes around $270 to $327.
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-Raymond, tenant premiums progress steadily with contents coverage: from $267 for the $20k–$30k tier to $479 for the $75k–$100k tier. This roughly 80% progression between the lowest and highest tier reflects the rising cost of replacing insured contents. A representative tenant with $30k–$50k coverage pays $234 per year.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $267.12 |
| 30k-50k | $233.95 |
| 50k-75k | $363.09 |
| 75k-100k | $479 |
The average premium in 2026 is $327 per year for a tenant in Saint-Raymond, although local historical data shows significant volatility since 2019.
The premium rises from $267 for $20k–$30k coverage to $479 for $75k–$100k coverage. A representative tenant with $30k–$50k coverage pays $234 per year.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $234 per year for standard 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.
Fluctuations between 2019 and 2026 likely reflect adjustments in local data collection and variations in the composition of insured portfolios rather than real market instability.
Increasing the deductible, bundling auto and home with the same insurer, and comparing several insurers can reduce the $327 average premium by 10–15%.
Contents of $60,000
Premium: $451 per year
Premium computed in May 2026
Contents of $20,000
Premium: $269 per year
Premium computed in April 2026
Contents of $20,000
Premium: $250 per year
Premium computed in April 2026
Contents of $50,000
Premium: $242 per year
Premium computed in April 2026
Contents of $80,000
Premium: $479 per year
Premium computed in March 2026
Contents of $20,000
Premium: $271 per year
Premium computed in March 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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