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Trois-Rivières Tenant Insurance 2026 — Prices by area, Mauricie

Are you looking for tenant insurance in Trois-Rivières in 2026 ? Whether you live in a century-old plex in the historic downtown, a student room near UQTR, a 41/2 in Cap-de-la-Madeleine or a large family 51/2 in Trois-Rivières-Ouest, your price varies depending on the area, the age of the building and your situation. The capital of the Mauricie region, halfway between Montreal and Quebec City on the St. Lawrence, presents its own risks: a flood-prone confluence of the Saint-Maurice River, old buildings from the 1700s and 1800s, and harsh winters. Assur360, an independent comparator, puts you in touch with the brokers of our AMF-certified partner firms to obtain the best price according to your borough.

~$13
per month (average indicative price)
6
Arrondissements covered
UQTR
+ Laflèche College
100K+
Quebecers recommended

TENANT INSURANCE · MAURICIE

Trois-Rivières quote in 3 minutes

Centennial plex in the centre, UQTR room, 51/2 in Cap-de-la-Madeleine or Pointe-du-Lac — compare several insurers in a few clicks with our partner firms.

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How much does tenant insurance cost in Trois-Rivières?

The price of tenant insurance in Trois-Rivières remains reasonable compared to Montreal or Quebec City. It varies according to the sector, the age of the building, the content to be insured and your profile (student, young professional, family). Here are three typical profiles in the Mauricie region.

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UQTR Student (downtown)

Rented room or small 31/2 near the University of Quebec at Trois-Rivières or Laflèche College. Modest content, bike, laptop.

~$10-14/month
Indicative price — varies according to profile
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41/2 in Cap-de-la-Madeleine

Classic accommodation in Cap-de-la-Madeleine (Notre-Dame Shrine). Couple or young family, standard content, quiet living.

~$13-17/month
Indicative price — varies according to profile
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51/2 in Trois-Rivières-Ouest

Large family home in Trois-Rivières-Ouest, recent residential areas. Family with children, larger content, bikes.

~$16-22/month
Indicative price — varies according to profile

Prices by borough of Trois-Rivières

Comparative table of indicative prices according to the six major districts of the city. The amounts vary according to the profile, the age of the building, the claims history and the insurer chosen.

room
RoundingStudent41/2 — 51/2 family
Trois-Rivières (historic downtown)~$11-15/month~$15-21/month
Cap-de-la-Madeleine~$10-13/month~$13-18/month
Trois-Rivières-Ouest~$10-13/month~$14-19/month
Pointe-du-Lac~$10-13/month~$13-18/month
Saint-Louis-de-France~$9-12/month~$12-17/month
Sainte-Marthe-du-Cap~$9-12/month~$12-17/month

2026 indicative prices — the actual premium is determined after analysis of the file by the brokers of our partner firms.

Typical Disasters in Trois-Rivières

The geographical position of Trois-Rivières, at the confluence of the St. Lawrence and the Saint-Maurice River, as well as its old built heritage, explain the most frequent losses reported by tenants.

Flooding on the Saint-Maurice River and the Saint-Laurent River

At the confluence of the Saint-Maurice and St. Lawrence rivers, some areas of Trois-Rivières and Cap-de-la-Madeleine are in floodplains. Spring flooding and heavy rainfall events can cause sewer backups and infiltration into the basement. The Flood Endorsement and Sewer Backup Endorsement are rarely included by default — they must be requested specifically.

Downtown Centennial Plexes

Trois-Rivières‘ historic downtown is home to buildings dating back to the 1700s and 1800s — it’s one of the oldest cities in North America (founded in 1634). Old plumbing, dilapidated electricity, dry wood frame: increased risk of water damage and fire. Insurers may request a statement of the age of the building and the latest plumbing/electrical update.

UQTR Student Bike Theft

The UQTR campus and nearby student quarters generate a significant volume of bicycle and sports equipment thefts. Coverage for out-of-home property (worldwide coverage) and specific coverage for bicycles must be validated — often capped at $1,000 or $1,500 without an endorsement.

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Advice: Flood amendment near the confluence of Saint-Maurice and Saint-Laurent

If you rent near the river, the port, Old Trois-Rivières or the Saint-Maurice River (especially in Cap-de-la-Madeleine South), explicitly ask the brokers of our partner firms to add the overflow flood endorsement and the sewer backup endorsement. Without them, water damage from outside is generally not covered. For a few extra dollars a month, you avoid an unpleasant surprise in the spring during floods.

Specific coverage for UQTR students

Students at UQTR and Collège Laflèche have specific needs that the brokers of our partner firms are familiar with. Here are the things to check on your policy.

  • Laptop and study materials — coverage for theft on campus or in the library, limit to check (often $1,500).
  • Bicycle — in-home and out-of-home theft protection (campus, downtown), standard limit $1,000-1,500.
  • Summer subletting between sessions — report to the insurer if you are subletting to a student in the summer: Some policies require notification or impose conditions.
  • Room rented in private — a specific “tenant” policy for students in rented rooms, separate from a traditional lease.
  • Outdoor sports equipment — kayaks, skis, road bikes, snowboards — often partially covered outside the home.
  • Civil liability — minimum $1 million recommended, accidental water damage to the neighbour downstairs is the most common incident in a student building.

5 steps to subscribe in Trois-Rivières

1

Evaluate the value of your content

Take a look around your home (bedroom, living room, kitchen, closet) and estimate the replacement value of your belongings. Most tenants undervalue by 40 to 60%. Aim for $20,000 to $40,000 for a standard 41/2 in Trois-Rivières.

2

Identify your borough and the age of the building

Historic downtown, Cap-de-la-Madeleine, Pointe-du-Lac: each sector has its own risk profile. The age of the building, the condition of the plumbing and the type of heating influence the premium.

3

Complete the Assur360 Quote (3 minutes)

Indicate your address in Trois-Rivières, your profile and your needs (cycling, student, subletting, telecommuting). The more complete, the more accurate the quote will be.

4

Compare multiple insurers

The brokers of our partner firms interview several insurers in parallel and present you with the best options according to your Mauritian profile.

5

Subscribe and get your certificate

Electronic signature, monthly or annual payment, certificate sent by email. You can provide proof of insurance to your landlord on the same day.

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Are you a tenant of a century-old building downtown?

If you are renting in a plex or duplex in Old Trois-Rivières (buildings dating from the 1700s-1800s), it is imperative to declare the age of the building and the condition of the plumbing/electricity to the insurer. A false statement or omission can result in the nullity of your policy and the denial of compensation in the event of a claim. Some insurers require a prior visit or a specific “old building” endorsement.

Frequently asked questions — Trois-Rivières tenant insurance

How much is tenant insurance in downtown vs Cap-de-la-Madeleine?
As an indication, a 41/2 in the historic downtown area of Trois-Rivières (old buildings) costs about $15-21/month, compared to $13-18/month in Cap-de-la-Madeleine where the buildings are generally more recent. The difference is explained by the age of the buildings, the condition of the plumbing and the proximity of the river. The exact premium is determined after analysis of your file by the brokers of our partner firms.
UQTR student: Am I covered by my parents’ policy?
Often yes, partially. Most parents’ home insurance policies cover the property of a full-time student child temporarily living away from home, but with a limited limit (often 10% of the contents). Civil liability and certain property (bicycle, computer) may not be sufficiently covered. A tenant policy dedicated to your Trois-Rivières home is generally more advantageous starting at $10/month.
Flooding by the Saint-Maurice River: am I covered without an endorsement?
No. Flooding by overflowing a watercourse (Saint-Maurice or Saint-Laurent) is generally not included in a basic policy — you must purchase the surface water flood endorsement and ideally also the sewer backup endorsement. Ask the brokers of our partner firms explicitly, especially if you live near the river, the Old Port or in the low-lying area of downtown and Cap-de-la-Madeleine.
Why is it cheaper than in Montreal or Quebec City?
Trois-Rivières and Mauricie have lower population density, a lower crime rate than major centres, and generally lower rent values. Insurers take this into account when calculating the risk. A 41/2 in Trois-Rivières-Ouest can cost up to 30-40% less to insure than an equivalent home in Montreal or Quebec City.
Century-old plex downtown: more expensive premium?
Yes, usually. A plex dating from the 1700s and 1800s in Old Trois-Rivières presents increased risks (old plumbing, dry wood frame, electricity sometimes not updated). Some insurers increase the premium by 10 to 25%, ask for an “old building” endorsement, or require that the plumbing and electricity have been redone within the last 25-40 years. Declare this information accurately to avoid the nullity of the policy.
Summer subletting between UQTR sessions: what to do?
If you are leaving Trois-Rivières for the summer and subletting your accommodation to another student, you must inform your insurer. Some policies exclude subletting or require an endorsement. Without a declaration, your policy could be void in the event of a loss caused by the subtenant. An alternative: temporarily suspend the coverage of the content if you take your belongings with you, and reactivate it at the beginning of the school year.
Renting in Pointe-du-Lac vs. downtown: the difference?
Pointe-du-Lac, on the shores of Lake Saint-Pierre, has generally newer buildings and a lower risk of crime than downtown, which translates into an average premium 10 to 20% lower for an equivalent 41/2. However, the proximity of the lake and the river may require the flood endorsement for properties along the water. Request the personalized analysis from the brokers of our partner firms.
Family with basement in Trois-Rivières-Ouest: recommended coverage?
For a family 51/2 in Trois-Rivières-Ouest with a finished basement, we recommend: (1) coverage of the contents at a minimum of $30-40,000, (2) sewer backup endorsement (the basement is the first to be affected), (3) civil liability ideally $2 million, (4) coverage for children’s bikes and sports equipment, (5) living expenses in the event of uninhabitable housing. The brokers of our partner firms build the tailor-made package.

Why Assur360 for your tenant insurance in Trois-Rivières

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Independent comparator

Assur360 is not an insurer — it is a comparator that puts you in touch with several partner firms to make the competition work.

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AMF-certified partner firms

All of our partner firms and brokers are certified by the Autorité des marchés financiers and registered with the Chambre de l’assurance.

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100,000+ Quebecers recommended

From UQTR students to families in Trois-Rivières-Ouest, thousands of Mauritians trust our network every year.

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Local knowledge of the Mauricie region

Confluence of Saint-Maurice, a century-old downtown building, UQTR students: our partner brokers know the particularities of Trois-Rivières.

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Toll-free service

Comparison via Assur360 is free of charge. You only pay your insurance premium to the selected insurer.

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3-minute submission

Our online form is completed in a few minutes, and a broker will call you back quickly to finalize.

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