Ege in Sainte-Catherine
Property of $460,000
Premium: $1632 per year
Premium computed in May 2026
In Sainte-Catherine, home insurance for homeowners reflects a dynamic residential market in the south suburbs of Montreal. Exposure to flood zones and proximity to waterways significantly influence local premiums, making careful comparison between insurers worthwhile.
Between 2020 and 2026, average premiums for homeowners in Sainte-Catherine fluctuate between $1058 and $1480, with no clear linear trend. The period shows an initial rise from 2020 to 2021 ($1058 to $1333), followed by annual variations, with a peak in 2025 ($1480) and a decline in 2026 ($1236). These fluctuations reflect local market adjustments and changes in the regional 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-Catherine, the premium climbs roughly $150 to $190 per $100k value increment, with marked acceleration in the higher tiers. A representative $500k–$600k home pays $1448 per year, while a property of $1M or more reaches $2454. Flood-zone exposure and proximity to waterways are the primary factors explaining this progression, potentially creating larger premium gaps than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $969.86 |
| 400k-500k | $1123.60 |
| 500k-600k | $1209.13 |
| 600k-700k | $1211.98 |
| 700k-800k | $1937.44 |
| 800k-900k | $1632.36 |
| 900k-1000k | $2091.11 |
| 1M-2M | $2297.5 |
The average premium in 2026 is $1236 per year for a homeowner in Sainte-Catherine, although premiums reached $1480 in 2025.
The premium climbs roughly $150 to $190 per $100k value increment. A representative $500k–$600k home pays $1448 per year, with notable acceleration in the higher tiers.
Fluctuations between $1058 (2020) and $1480 (2025) reflect local market adjustments, changes in regional risk profile, and flood-zone exposure.
Flood-zone exposure and proximity to waterways are the main drivers. They can create larger premium gaps than reconstruction value alone.
$2454 per year for a property of $1M or more, reflecting the acceleration of premiums in the higher tiers due to local risk exposure.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1236 average premium by several hundred dollars.
$1091 per year — a representative tier of the local homeowner market in Sainte-Catherine.
Property of $460,000
Premium: $1632 per year
Premium computed in May 2026
Property of $350,000
Premium: $660 per year
Premium computed in May 2026
Property of $440,000
Premium: $1334 per year
Premium computed in May 2026
Property of $350,000
Premium: $1139 per year
Premium computed in May 2026
Property of $590,000
Premium: $833 per year
Premium computed in May 2026
Property of $600,000
Premium: $2546 per year
Premium computed in May 2026
Property of $900,000
Premium: $2217 per year
Premium computed in May 2026
Property of $350,000
Premium: $1569 per year
Premium computed in May 2026
Property of $1,150,000
Premium: $2298 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.
© 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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