Maggie in Sainte-Julienne
Contents of $40,000
Premium: $208 per year
Premium computed in May 2026
Tenant insurance in Sainte-Julienne 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-Julienne show marked volatility, moving from $502 in 2019 to $276 in 2026. After peaking at $578 in 2022, premiums experienced a significant decline, particularly between 2023 and 2026, possibly reflecting rate adjustments, reduced local claim frequency, or market data recalibration.
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-Julienne, tenant premiums vary considerably by contents coverage level. The lowest tier (<20k) shows $260 per year, while the 75k-100k tier reaches $892. This non-linear progression — with sharp acceleration at higher levels — reflects rising contents replacement costs and the risk profile associated with broader coverage.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $291.95 |
| 30k-50k | $208.14 |
| 50k-75k | $374.13 |
| 75k-100k | $891.57 |
The average premium in 2026 is $276 per year for a tenant in Sainte-Julienne, down significantly from the $578 peak observed in 2022.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $260 per year for contents coverage under $20k.
Premiums increase with coverage amount: $260 for <20k, $283 for 20k-30k, $273 for 30k-50k, $359 for 50k-75k, and $892 for 75k-100k. The acceleration at higher levels reflects the cost of replacing more extensive contents.
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 dropped from $578 in 2022 to $276 in 2026, possibly due to rate adjustments, reduced local claim frequency, or market data recalibration.
The 30k-50k tier at $273 per year offers good balance for an average tenant, while 20k-30k at $283 suits small spaces or limited budgets.
Contents of $40,000
Premium: $208 per year
Premium computed in May 2026
Contents of $20,000
Premium: $337 per year
Premium computed in May 2026
Contents of $20,000
Premium: $275 per year
Premium computed in April 2026
Contents of $20,000
Premium: $335 per year
Premium computed in April 2026
Contents of $50,000
Premium: $328 per year
Premium computed in March 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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