Manon in Sainte-Sophie
Contents of $50,000
Premium: $445 per year
Premium computed in April 2026
Tenant insurance in Sainte-Sophie 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 2020 and 2026, average tenant insurance premiums in Sainte-Sophie show notable volatility, moving from $583 in 2020 to $374 in 2026. After a sharp decline between 2020 and 2022 (from $583 to $335), premiums have stabilized around $360–$400 since 2023, reflecting gradual normalization of the local market.
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-Sophie, tenant premiums vary by contents coverage amount: modest coverage under $20k costs $257 per year, while more comprehensive coverage of $75k–$100k reaches $435. The progression is not linear — intermediate tiers of $30k–$50k and $50k–$75k show $397 and $328 respectively, reflecting the local mix of risks and claim profiles.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $287.53 |
| 30k-50k | $347.73 |
| 50k-75k | $327.97 |
| 75k-100k | $318.93 |
The average premium in 2026 is $374 per year for a tenant in Sainte-Sophie, following a period of volatility between 2020 and 2023.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $257 per year for coverage under $20k in Sainte-Sophie.
Coverage of $20k–$30k costs $268 per year, while representative coverage of $30k–$50k reaches $397. Higher coverage of $75k–$100k climbs to $435.
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 fell from $583 in 2020 to $335 in 2022, likely reflecting local market correction and tariff normalization following an initial adjustment period.
Comparing several insurers, installing a smoke detector, and increasing your deductible can reduce the $374 average premium by several dozen dollars.
Contents of $50,000
Premium: $445 per year
Premium computed in April 2026
Contents of $20,000
Premium: $214 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.
© 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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