Home insurance
After termination
Solutions even after a refusal. Our AMF-certified brokers find coverage adapted to your situation, regardless of your history.
Get home insurance despite a refusal
If you have already been refused home insurance, you should know that solutions exist. 2nd chance home insurance is designed to offer coverage to people who are having difficulty insuring themselves due to their history or the nature of their home.
At Assur360, you have the best of both worlds: start your quote online and be advised by an experienced broker who knows the insurers accepting terminated files.
Why can home insurance be refused?
An insurer can refuse to cover a home or cancel a contract for several reasons. Understanding these factors helps you better prepare your case for new coverage.
- Loss history : A history of multiple claims (water damage, fire, theft) increases the insurer’s perceived risk.
- Non-payment of premiums : A policy cancelled for non-payment remains on your file for several years.
- Poor credit history : A low credit score can be a determining factor for some insurers.
- Type of property at risk : Old houses, non-compliant constructions, dilapidated roofs or obsolete electrical systems.
- Unusual occupancy : Unoccupied or short-term rented accommodations (Airbnb).
- Fraudulent Declaration : Any previous false declaration may result in a systematic refusal.
How to get insurance after cancellation
Fill out the form
Describe your situation and history in minutes
Specialized Comparison
We contact insurers who accept terminated files
Advice from a broker
An AMF-certified broker presents you with the best options available
Cover found
Choose the right policy and regain your peace of mind
Solutions to find home insurance
Even after a cancellation, there are several avenues available to you to obtain adequate coverage.
Compare Specialty Insurers
There are companies specialising in insurance for atypical profiles. Going through an insurance broker allows you to access several offers simultaneously and find the best value for money.
Improving your insurable profile
Some adjustments reduce the perceived risk: improve your credit history, install security systems (alarms, smoke detectors), regularize any non-compliance situation of the building.
Opt for alternative insurance
If traditional insurers refuse your file, turn to companies specializing in at-risk housing, temporary home insurance or customized policies adapted to your situation.
Protect your home despite the challenges
Getting home insurance can be complicated for some people with a long claims history, late payments, or difficult financial history. Fortunately, 2nd chance home insurance is specifically designed to provide protection for renters and homeowners who encounter these challenges.
With the right solutions, you can get coverage that protects your home from fire, theft, water damage, and other risks, while rebuilding your insurance history.
Insurers specialising in 2nd chance assess your situation with a more flexible approach, taking into account your desire to restore a good financial reputation. By shopping around and comparing offers, you can find a policy that meets your needs without compromising your budget.
What you need to know about premiums
- Higher premiums : The cost is usually higher to compensate for the risk.
- Stricter Terms : Some exclusions or limitations may apply.
- Requesting additional coverage : Some insurers require upgrades (alarm, roof renovated, annual payment instead of monthly).
Even though 2nd chance home insurance is often more expensive, there are several ways to get a discount. Bundle your insurance (home + auto) to save 5% to 15%. Increase your deductible: Going from $500 to $1,000 can reduce your premium by 10% to 20%. Each claim-free year can also give you a progressive discount of up to 20% after 3 to 5 years without a claim.
Must-know
To limit the cost of your insurance, you can: increase your deductible, bundle your home insurance with car insurance, use a broker to negotiate a more advantageous premium, and improve the security of your home (alarm, cameras, armored doors). An independent broker like Assur360 negotiates for you with multiple insurers.
Benefits of 2nd Chance Home Insurance
Access to insurance despite a difficult history
One of the main advantages of 2nd chance home insurance is that it allows you to be covered even after a refusal. Whether it’s because of an irregular payment history, frequent claims or a file deemed risky, this insurance gives you the opportunity to get the protection you need.
Essential protection for your home and belongings
Like any home insurance, depending on the insurer, it can cover damage to property and housing, including: fire, water damage, theft and vandalism, as well as civil liability (protection against lawsuits if you cause damage to others). Even if your profile is considered risky, this insurance allows you to avoid major financial losses in the event of a claim.
Compliance and peace of mind
Opting for 2nd chance home insurance not only allows you to comply with the requirements of homeowners and financial institutions, but also to ensure your peace of mind in the event of the unexpected.
Home insurance cancelled anywhere in Quebec
Our brokers assist terminated policyholders in all regions of Quebec, including Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. No matter where you are, we will find a solution that is right for you.
Frequently Asked Questions — Post-Cancellation Home Insurance
What is 2nd chance home insurance?
2nd chance home insurance is a solution for tenants and owners who have been refused by traditional insurers due to a history of irregular payments, frequent claims or a profile deemed to be at risk. Specialized insurers offer coverage adapted to these situations.
Why did my insurer deny me coverage?
Insurance companies assess risks based on a variety of criteria. A history of repeated claims, payment problems, a poorly maintained home or a property deemed at risk can lead to an insurance refusal.
How long does cancellation remain on my insurance file?
A home insurance cancellation usually remains in your file for 3 to 6 years depending on the insurer. It can affect your ability to get standard coverage. With Assur360, we help you find insurers that accept claims with a cancellation history.
How do I get a quote quickly?
Use the Assur360 online comparison tool: fill out the form in less than 5 minutes and an AMF-certified broker will contact you quickly with several options adapted to your cancellation situation.
How do I upgrade my record to standard insurance?
To return to traditional home insurance at a lower price, it is recommended to pay your premiums on time, reduce non-essential claims, improve the security of the home (alarm, detectors) and maintain financial stability over several years.
Does 2nd chance home insurance cost more?
Yes, premiums are usually higher to compensate for the additional risk. However, by bundling your insurance, increasing your deductible or installing security systems, you can significantly reduce the cost. An Assur360 broker negotiates the best rates for you.
Does my home insurance cover my home-based business?
No, in the majority of cases. Home insurance does not cover commercial activities carried out at home. Separate business insurance is necessary to protect your business equipment and commercial general liability.
Is the quote really free and without obligation?
Absolutely. The quote is 100% free and without obligation. You receive proposals from several specialist insurers and you are free to choose the one that suits you best. No obligation, no fees.
Find your home insurance
Our AMF-certified brokers specialize in terminated cases. Compare several insurers and find the right coverage for your situation.