Daniel in Sainte-Anne-Des-Plaines
Property of $450,000
Premium: $544 per year
Premium computed in May 2026
In Sainte-Anne-des-Plaines, home insurance for homeowners reflects a dynamic residential market in the north suburbs of Montreal. Premiums vary significantly based on reconstruction value and flood-zone exposure, key factors in this region.
Between 2019 and 2026, average premiums for homeowners in Sainte-Anne-des-Plaines fluctuate notably, moving from $1716 in 2019 to $1754 in 2026. This volatility over eight years reflects market adjustments to weather-related claims, reconstruction cost variations, and changes in the local risk profile.
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-Anne-des-Plaines, the progression of premiums by home value shows an irregular pattern: homes under $400k cost $1270 per year, while those in the $600k–$700k range reach $2398. This sharp acceleration in the mid-to-upper tiers reflects the combined influence of flood-zone exposure, local risk profile, and reconstruction value. A representative $500k–$600k home pays $1701 per year.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $1290.25 |
| 400k-500k | $1522.98 |
| 500k-600k | $1760.08 |
| 600k-700k | $2568.45 |
| 700k-800k | $2665.33 |
| 800k-900k | $1315.63 |
| 900k-1000k | $1854.09 |
| 1M-2M | $1602.74 |
The average premium in 2026 is $1754 per year for a homeowner in Sainte-Anne-des-Plaines.
The progression is not linear: a home under $400k costs $1270, while a $500k–$600k home pays $1701. Flood-zone exposure and local risk profile amplify this progression more than value alone.
Between 2019 and 2026, premiums move from $1716 to $1754, with intermediate variations reflecting market adjustments to weather-related claims and reconstruction costs.
$1701 per year — a representative tier of the local homeowner market.
The premium reaches $2398 in this tier, reflecting increased flood-zone exposure and a higher risk profile than reconstruction value alone would explain.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1754 average premium by several hundred dollars.
Property of $450,000
Premium: $544 per year
Premium computed in May 2026
Property of $1,500,000
Premium: $1603 per year
Premium computed in May 2026
Property of $780,000
Premium: $1968 per year
Premium computed in May 2026
Property of $700,000
Premium: $2402 per year
Premium computed in May 2026
Property of $600,000
Premium: $2492 per year
Premium computed in May 2026
Property of $540,000
Premium: $1869 per year
Premium computed in May 2026
Property of $940,000
Premium: $1854 per year
Premium computed in May 2026
Property of $640,000
Premium: $2354 per year
Premium computed in May 2026
Property of $430,000
Premium: $1158 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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