Alain in Sainte-Adèle
Contents of $40,000
Premium: $406 per year
Premium computed in April 2026
Tenant insurance in Sainte-Adèle 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 2026, average tenant insurance premiums in Sainte-Adèle show marked volatility, moving from $415 in 2020 to $325 in 2026. After a significant drop in 2021 ($300), premiums stabilize around $320–$340 between 2022 and 2026, reflecting a local market adjustment following an initial correction.
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 Sainte-Adèle, tenant premiums vary by contents coverage amount: moderate coverage ($20k–$30k) costs $294 per year, while mid-range coverage ($30k–$50k) reaches $373. Very small coverage (under $20k) and high coverage ($100k–$150k) show $271 and $257 respectively, reflecting the local rate structure and tenant risk profile.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $374.96 |
| 30k-50k | $393.68 |
| 50k-75k | $297.60 |
| 100k-150k | $257 |
The average premium in 2026 is $325 per year for a tenant in Sainte-Adèle, after a period of stabilization since 2022.
A representative coverage of $30k–$50k costs $373 per year, while a more modest $20k–$30k coverage costs $294. The insured contents amount is the primary driver of variation.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $257 per year in Sainte-Adèle.
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.
Premiums fell from $415 in 2020 to $325 in 2026, reflecting a significant rate correction and local market stabilization after 2021.
Coverage under $20k costs $271 per year, the lowest available. However, assessing your actual contents needs is essential before choosing minimal coverage.
Contents of $40,000
Premium: $406 per year
Premium computed in April 2026
Contents of $20,000
Premium: $375 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.
© 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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