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Tenant insurance price examples in Sainte-Agathe-des-Monts

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HOME INSURANCE COSTS FOR A TENANT IN SAINTE-AGATHE-DES-MONTS (LAST 7 YEARS)

Tenant insurance in Sainte-Agathe-des-Monts 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 Sainte-Agathe-des-Monts show notable volatility, moving from $531 in 2019 to $354 in 2026. After a sharp decline between 2019 and 2022 (from $531 to $289), premiums stabilize around $320–$330 between 2023 and 2025, then rise to $354 in 2026. This trajectory reflects successive adjustments in the local market and variations in the region's risk profile.

Factors influencing your home insurance premium

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:

  • Property value and replacement cost - The higher your property value, the higher the premium, since the cost of rebuilding after a loss is greater.
  • Property type - A house, a condo, and a rental unit present different risks and are insured differently.
  • Location and postal code - Urban density, crime rates, proximity to fire hydrants, and presence in flood zones directly affect the premium.
  • Building characteristics - Year built, materials, condition of roof, plumbing, and electrical system.
  • Prevention measures - Alarm systems, smoke detectors, sprinklers, and other safety devices generally reduce the premium.
  • Claims history - A claim-free record favors more advantageous premiums.
  • Coverage choices - Deductible amount, liability limits, and optional protections adjust the premium.

Average premium by property value in Sainte-Agathe-des-Monts

In Sainte-Agathe-des-Monts, tenant premiums vary by contents coverage amount. The most modest coverage (under $20k) costs $242 per year, while more comprehensive coverage of $75k–$100k reaches $440 per year. The progression is steady, reflecting the increase in insured contents and the risk associated with each coverage tier.

Contents value Average price over the last 12 months
20k-30k $340.63
30k-50k $329.24
50k-75k $336.25
75k-100k $440.09

Frequently asked questions

How much does tenant insurance cost in Sainte-Agathe-des-Monts?

The average premium in 2026 is $354 per year for a tenant in Sainte-Agathe-des-Monts, with variation depending on contents coverage amount.

How does contents coverage amount affect the premium in Sainte-Agathe-des-Monts?

Modest coverage under $20k costs $242 per year, while more comprehensive coverage of $75k–$100k reaches $440 per year, reflecting the increase in insured contents.

Why did tenant premiums decline between 2019 and 2022 in Sainte-Agathe-des-Monts?

The drop from $531 in 2019 to $289 in 2022 reflects successive adjustments in the local market and a reassessment of the region's risk profile.

What is a recommended coverage amount for a tenant in Sainte-Agathe-des-Monts?

A representative coverage of $30k–$50k costs $329–$338 per year and provides balanced protection for most tenants.

Is tenant insurance mandatory in Sainte-Agathe-des-Monts?

No, it is not mandatory in Quebec, but it is often required by landlords and remains very affordable, starting at $242 per year for minimal coverage.

Offers received by our customers for tenant insurance in Sainte-Agathe-des-Monts

Marie-Eve in Sainte-Agathe-Des-Monts

Contents of $50,000

Premium: $394 per year

Premium computed in May 2026

Marie-Eve in Sainte-Agathe-Des-Monts

Contents of $50,000

Premium: $389 per year

Premium computed in May 2026

Selena in Sainte-Agathe-Des-Monts

Contents of $30,000

Premium: $324 per year

Premium computed in May 2026

Marjorie in Sainte-Agathe-Des-Monts

Contents of $20,000

Premium: $210 per year

Premium computed in May 2026

Julie in Sainte-Agathe-Des-Monts

Contents of $40,000

Premium: $423 per year

Premium computed in April 2026

Marie-Ève in Sainte-Agathe-Des-Monts

Contents of $20,000

Premium: $246 per year

Premium computed in April 2026

Maya in Sainte-Agathe-Des-Monts

Contents of $20,000

Premium: $353 per year

Premium computed in March 2026

Alyson in Sainte-Agathe-Des-Monts

Contents of $20,000

Premium: $311 per year

Premium computed in March 2026

Germain in Sainte-Agathe-Des-Monts

Contents of $50,000

Premium: $207 per year

Premium computed in March 2026

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria

  • Analysis period: Our analyses are based on millions of insurance submissions from recent years (up to a 10-year window), ensuring the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last update: 05/29/2026
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