Maude-Émilie in Sainte-Thérèse
Property of $380,000
Premium: $384 per year
Premium computed in May 2026
In Sainte-Thérèse, the condo market offers diverse properties and risk profiles. Individual condo insurance covers your unit, its contents, and your civil liability, complementing the condo corporation's coverage to prevent gaps.
Between 2020 and 2026, average condo insurance premiums in Sainte-Thérèse show notable volatility, moving from $450 to $337. This roughly 25% decline over six years likely reflects insurer portfolio adjustments, improvement in the local claims profile, or competitive realignment in the regional 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-Thérèse, the premium structure by value reveals non-linear variation: condos under $100k cost $288 per year, while those in the $200k–$250k range reach $462, a marked jump. Upper tiers ($700k+) return to $393, suggesting premium compression at the very high end. Flood-zone exposure and risk profile specific to each value segment play an important role in this variation.
| Property value | Average price over the last 12 months |
|---|---|
| <200k | $344.74 |
| 200k-300k | $555.9 |
| 300k-400k | $327.36 |
| 800k+ | $386.1 |
The average premium in 2026 is $337 per year for a condo in Sainte-Thérèse, down 25% since 2020.
The rate structure is non-linear: a condo under $100k costs $288 per year, while a representative $200k–$250k condo reaches $462, with compression at higher tiers ($700k+ at $393).
The 25% decline between 2020 and 2026 likely reflects improvement in the local claims profile, competitive market adjustments, or insurer portfolio realignment.
The contents of your unit, personal improvements, and your civil liability — making personal insurance necessary, averaging $337 per year in Sainte-Thérèse.
A condo under $100k costs $288, while a $200k–$250k condo reaches $462 — roughly a 60% increase reflecting flood-zone exposure and risk profile specific to that value segment.
Increasing the deductible, bundling auto and home, installing smart water detectors, and comparing several insurers can reduce the $337 average premium by 10–15%.
Property of $380,000
Premium: $384 per year
Premium computed in May 2026
Property of $300,000
Premium: $242 per year
Premium computed in May 2026
Property of $350,000
Premium: $328 per year
Premium computed in May 2026
Property of $380,000
Premium: $305 per year
Premium computed in April 2026
Property of $1,400,000
Premium: $386 per year
Premium computed in March 2026
Property of $320,000
Premium: $379 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
|
Client
The customer portal allows you to create and manage your insurance requests. Use this link if you are a consumer of ClicAssure services. |
||
Insurer The insurer portal allows clicassure partners to connect and manage the requests assigned to them. Use this link if you are a ClicAssure partner. |
||
