William in Sainte-Marie
Contents of $20,000
Premium: $368 per year
Premium computed in April 2026
Tenant insurance in Sainte-Marie 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 2019 to 2026, average tenant insurance premiums in Sainte-Marie show notable volatility, moving from $230 in 2019 to a peak of $517 in 2022, then stabilizing around $260 to $312 between 2023 and 2026. This fluctuation likely reflects portfolio adjustments and variations in local risk composition rather than a linear trend.
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-Marie, tenant premiums vary moderately by contents coverage amount. The <20k and 20k-30k tiers show $236 and $254 respectively, while the 50k-75k tier reaches $367. The gap between lowest and highest remains limited (~55%), since coverage targets contents and civil liability — less sensitive to local property value variations than building coverage is.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $259.67 |
| 30k-50k | $248.36 |
| 50k-75k | $386.45 |
| 75k-100k | $255.75 |
| 100k-150k | $226.99 |
The average premium in 2026 is $260 per year for a tenant in Sainte-Marie, reflecting stabilization after earlier fluctuations.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $236 per year for <20k coverage in Sainte-Marie.
Premiums vary by contents insured: $236 for <20k, $254 for 20k-30k, $248 for 30k-50k, and $367 for 50k-75k. The gap remains moderate, reflecting the product's nature.
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.
Data shows a peak of $517 in 2022 followed by stabilization around $260 to $312, likely reflecting portfolio adjustments and variations in local risk composition.
$248 per year — a representative tier for tenants with moderate contents coverage.
Contents of $20,000
Premium: $368 per year
Premium computed in April 2026
Contents of $20,000
Premium: $270 per year
Premium computed in April 2026
Contents of $20,000
Premium: $247 per year
Premium computed in April 2026
Contents of $100,000
Premium: $227 per year
Premium computed in April 2026
Contents of $100,000
Premium: $227 per year
Premium computed in April 2026
Contents of $40,000
Premium: $205 per year
Premium computed in March 2026
Contents of $20,000
Premium: $202 per year
Premium computed in March 2026
Contents of $80,000
Premium: $256 per year
Premium computed in March 2026
Contents of $20,000
Premium: $212 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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