Katia in Val-D'or
Contents of $20,000
Premium: $233 per year
Premium computed in May 2026
In Val-d'Or, 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 2020 and 2026, average tenant insurance premiums in Val-d'Or show notable volatility. After peaking at $469 in 2021, premiums decline progressively to $306 in 2026, reflecting a local market correction and possibly reduced claim activity. This contrasting trajectory suggests gradual stabilization around lower levels.
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 Val-d'Or, premiums vary significantly by contents coverage level: lower tiers ($20k–$50k) show the most affordable premiums, starting at $252 for the $30k–$50k tier, while maximum coverage ($100k–$150k) reaches $864 per year. This progression reflects the replacement cost of insured contents and the risk exposure associated with each coverage level.
| Contents value | Average price over the last 12 months |
|---|---|
| 20k-30k | $256.85 |
| 30k-50k | $252.07 |
| 50k-75k | $334.87 |
| 75k-100k | $335.55 |
| 100k-150k | $863.54 |
The average premium in 2026 is $306 per year for a tenant in Val-d'Or, down significantly from the $469 peak observed in 2021.
No, it is not mandatory in Quebec, but it is often required by landlords and remains one of the most affordable coverages, starting at $252 per year in Val-d'Or for $30k–$50k coverage.
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.
The premium increases with coverage level: $252 for $30k–$50k, $336 for $75k–$100k, and $864 for $100k–$150k coverage.
After the $469 peak in 2021, premiums declined progressively to $306 in 2026, reflecting a local market correction and possibly reduced claim activity.
A $30k–$50k coverage tier is generally representative and costs $252 per year, covering essential belongings in a typical rental unit.
Contents of $20,000
Premium: $233 per year
Premium computed in May 2026
Contents of $20,000
Premium: $295 per year
Premium computed in April 2026
Contents of $30,000
Premium: $284 per year
Premium computed in April 2026
Contents of $80,000
Premium: $336 per year
Premium computed in April 2026
Contents of $20,000
Premium: $316 per year
Premium computed in February 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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