Jacques in Trois-Rivières
Property of $380,000
Premium: $1099 per year
Premium computed in May 2026
In Trois-Rivières, home insurance for homeowners protects your property investment against weather risks, claims, and civil liability. The local market offers a range of coverages tailored to the needs of homeowners in the region.
Between 2019 and 2026, average home insurance premiums for homeowners in Trois-Rivières show notable volatility, moving from $1545 in 2019 to $1437 in 2025, then declining to $1287 in 2026. This fluctuation reflects local market adjustments, variations in claim frequency, and changes in the composition of the insured homeowner portfolio.
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 Trois-Rivières, the premium climbs roughly $290 to $320 per $100k value increment, at a steady pace that accelerates in the higher tiers. A representative $500k–$600k home pays $1352 per year. Flood-zone exposure — particularly relevant in the Trois-Rivières region due to its proximity to the St. Lawrence River — and the local risk profile can shift this progression more than reconstruction value alone.
| Property value | Average price over the last 12 months |
|---|---|
| <400k | $945.80 |
| 400k-500k | $1113.37 |
| 500k-600k | $1366.47 |
| 600k-700k | $1585.64 |
| 700k-800k | $1963.68 |
| 800k-900k | $2280.79 |
| 900k-1000k | $2523.67 |
| 1M-2M | $3183.76 |
| 2M+ | $3676.57 |
The average premium in 2025 is $1437 per year for a homeowner in Trois-Rivières, though data shows notable fluctuation over recent years.
The premium climbs roughly $290 to $320 per $100k value increment. A representative $500k–$600k home pays $1352 per year, with potential acceleration depending on flood-zone exposure and the local risk profile.
Trois-Rivières is located near the St. Lawrence River, which exposes properties to flood risk. This exposure can significantly increase the premium beyond what reconstruction value alone would suggest.
$1352 per year — a representative tier of the local homeowner market in Trois-Rivières.
Comparing several insurers, bundling auto and home, increasing the deductible, and installing an alarm system can reduce the $1437 average premium by several hundred dollars.
A home under $400k costs $953 per year, while a home over $1 million costs $3247 — roughly a 240% gap reflecting reconstruction value and risk exposure.
Property of $380,000
Premium: $1099 per year
Premium computed in May 2026
Property of $610,000
Premium: $772 per year
Premium computed in May 2026
Property of $1,700,000
Premium: $2234 per year
Premium computed in May 2026
Property of $400,000
Premium: $831 per year
Premium computed in May 2026
Property of $450,000
Premium: $1335 per year
Premium computed in May 2026
Property of $480,000
Premium: $622 per year
Premium computed in May 2026
Property of $370,000
Premium: $776 per year
Premium computed in May 2026
Property of $780,000
Premium: $668 per year
Premium computed in May 2026
Property of $450,000
Premium: $1387 per year
Premium computed in May 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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