Tenant insurance prices in Quebec

HOME INSURANCE COSTS FOR A TENANT IN QUEBEC (LAST 7 YEARS)

Tenant insurance 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 Quebec show a general downward trend, moving from $430 to $314 — a decrease of roughly 27%. After a sharp drop between 2019 and 2021, premiums stabilized around $334–$336 from 2022 to 2025, before declining again in 2026. This trajectory suggests market correction and improved operational efficiency among insurers.

Factors influencing your home insurance premium

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:

Property value and replacement cost - The higher your property value, the higher the premium, since the cost of rebuilding after a loss is greater.

Property type - A house, a condo, and a rental unit present different risks and are insured differently.

Location and postal code - Urban density, crime rates, proximity to fire hydrants, and presence in flood zones directly affect the premium.

Building characteristics - Year built, materials, condition of roof, plumbing, and electrical system.

Prevention measures - Alarm systems, smoke detectors, sprinklers, and other safety devices generally reduce the premium.

Claims history - A claim-free record favors more advantageous premiums.

Coverage choices - Deductible amount, liability limits, and optional protections adjust the premium.

Average premium by city for a tenant

Tenant premiums vary moderately across Quebec: Saint-Jérôme ($356) and Saint-Jean-sur-Richelieu ($336) show the highest premiums, while Sherbrooke ($292), Saguenay ($302), and Quebec ($300) offer the lowest. The gap between the most expensive and least expensive sits at roughly 22%, reflecting mainly local risk profile and claim density rather than major geographic variation. Contents and civil liability remain less sensitive to local factors than building coverage itself.

City	Average price over the last 12 months
BROSSARD	$313.47
DRUMMONDVILLE	$314.69
GATINEAU	$337.86
LAVAL	$327.59
LÉVIS	$321.87
LONGUEUIL	$322.43
MONTRÉAL	$326.09
QUÉBEC	$299.58
REPENTIGNY	$317.79
Saguenay	$301.87
SAINT-JEAN-SUR-RICHELIEU	$342.14
SAINT-JÉRÔME	$355.51
SHERBROOKE	$293.79
TERREBONNE	$334.83
TROIS-RIVIÈRES	$317.94

Frequently asked questions

How much does tenant insurance cost in Quebec?

The average premium in 2026 is $314 per year for a tenant in Quebec, down 27% since 2019.

Is tenant insurance mandatory in Quebec?

No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $292 per year in Sherbrooke.

What does tenant insurance cover?

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.

Why have tenant premiums fallen since 2019?

The 27% decrease between 2019 and 2026 reflects market correction after initial overpricing, improved operational efficiency among insurers, and stabilization of claim costs.

Which cities have the lowest tenant insurance premiums?

Sherbrooke sits at $292 per year, followed by Saguenay ($302) and Quebec ($300). These regions benefit from a more moderate local risk profile and lower claim density.

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria

Analysis period: Our analyses are based on millions of insurance submissions from recent years (up to a 10-year window), ensuring the relevance of our comparisons.

Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.

Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.

Last update: 05/29/2026

Tenant insurance price examples in Quebec

HOME INSURANCE COSTS FOR A TENANT IN QUEBEC (LAST 7 YEARS)

Factors influencing your home insurance premium

Average premium by city for a tenant

Frequently asked questions

Offers received by our customers for tenant insurance

Chantal in Magog

Thanh-Van in Montréal

Joan in Sherbrooke

Alex Stéphane in Lachute

Francis in Montréal

James in Saint-Urbain-Premier

Cynthia in Saguenay

Amelia in Verdun

Manola in Montréal

Methodology

Other coverage types

Tenant in other cities

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