Michael in Sainte-Catherine
Contents of $50,000
Premium: $210 per year
Premium computed in May 2026
Tenant insurance in Sainte-Catherine 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.
Over the available period from 2020 to 2026, average tenant insurance premiums in Sainte-Catherine show notable volatility, moving from $412 in 2020 to $236 in 2026. This fluctuating trajectory reflects local market adjustments and variations in claim composition over time; the overall trend suggests gradual stabilization toward lower levels.
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, tenant premiums vary by contents coverage amount: the lowest coverage tier (<20k) shows $211 per year, while the 50k–75k tier reaches $353, a gap of roughly 67%. The progression is not strictly linear; it reflects the local risk profile and claim density associated with each contents level.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $219.28 |
| 30k-50k | $279.94 |
| 50k-75k | $302.94 |
| 75k-100k | $298.66 |
The average premium in 2026 is $236 per year for a tenant in Sainte-Catherine, down significantly from $412 in 2020.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $211 per year for minimum coverage.
The premium increases with the contents coverage amount: $211 for <20k, $219 for 20k–30k, $292 for 30k–50k, and $353 for 50k–75k. This progression reflects the local risk profile.
Between 2020 and 2026, premiums move from $412 to $236, reflecting local market adjustments and variations in claim composition over time.
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.
A representative tenant with 30k–50k coverage pays $292 per year. The choice depends on your actual contents value and personal risk profile.
Contents of $50,000
Premium: $210 per year
Premium computed in May 2026
Contents of $20,000
Premium: $238 per year
Premium computed in May 2026
Contents of $30,000
Premium: $255 per year
Premium computed in May 2026
Contents of $80,000
Premium: $299 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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