Assur360, an AMF-certified firm, specializes in home insurance for profiles with a criminal record in Quebec. Our brokers in our partner firms work with substandard and specialized insurers who accept the majority of backgrounds. Confidential, free and non-judgmental submission.
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Obtenir ma soumission (3 min)Why does a criminal record complicate home insurance?
For Quebec insurers, a criminal record increases moral hazard (probability of loss caused by behaviour). Some offences such as arson, fraud or drug trafficking are particularly sensitive because they directly affect the insurance risk. But having a record doesn’t mean being turned away everywhere : there’s a specialized market.
Standard insurers
Some accept old crimes (+10 years) or not related to the risk of home. More flexible questions depending on the company.
Substandard insurers
Lombard, L’Unique, Optimum, Continental Casualty: specialists in unconventional profiles with moderate surcharges.
Specialized insurers
Solutions for complex cases (arson, fraud). Higher premium but full coverage possible.
Types of Torts and Insurer Acceptance
Not all crimes are treated equally. Here is a general overview in Quebec in 2026:
✅ Old minor offences (+5 years)
Common assault, minor mischief, disturbing the peace: often accepted by standard insurers with a low surcharge.
🟡 Impaired driving
Impact especially on car insurance. For housing, acceptable by several standard insurers and all sub-standards.
🟡 Property Offences (Theft)
Case-by-case assessment. Substandard insurers usually accept after 5-10 years without recurrence.
🟠 Drug trafficking/production
More sensitive. Substandard or specialized insurers required. 30-60% surcharge.
🔴 Arson / arsonism
Very difficult. Requires a specialized insurer. In-depth investigation, high premium, high deductible.
🔴 Previous insurance fraud
The most difficult. Very small market but Assur360 has solutions. Full declaration required.
How to get your home insurance in 4 steps
Fill out our secure form
Confidential online form, encrypted HTTPS. We will ask for the nature and age of the offence to guide you properly.
Analysis of your profile
The brokers of our AMF partner firms identify the insurers that accept your situation among the 30+ partner companies.
Compare offers
You receive 2 to 5 specific quotes. We explain the conditions, surcharges and deductibles.
Issuance of the police
Electronic signature, secure payment, immediate attestation. Your home is protected.
Always be honest
Omitting a criminal record at the time of subscription constitutes a false declaration (art. 2408 Civil Code). In the event of a claim, the insurer may deny compensation and retroactively cancel the policy. Better to pay an extra premium than to lose your house.
2026 rates for home insurance with a criminal record
| Profile | House $400,000 (standard) | With criminal record | Surcharge |
|---|---|---|---|
| Misdemeanor 10+ years $ | 850 – $1,200 | $950 – $1,400 | +10-15% |
| Impaired Driving | $850 – $1,200 | $1,000 – $1,500 | +15-25% |
| Major Theft / Mischief | $850 – $1,200 | $1,150 – $1,700 | +30-40% |
| Narcotics (trafficking/production) | $850 – $1,200 | $1,300 – $1,900 | +45-55% |
| Previous arson | $850 – $1,200 | $1,800 – $2,800 | +100-130% |
| Insurance Fraud | $850 – $1,200 | $2,100 – $3,200 | +140-170% |
*Tarifs indicatifs 2026. Chaque dossier est évalué individuellement. Prix exact en 3 minutes.
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Les courtiers de nos cabinets partenaires connaissent le marché sous-standard et trouvent des solutions même pour les cas complexes.
Discuter avec un courtier Appeler 1-866-357-4451Grace period and judicial pardon
After a record suspension (pardon) granted by the Parole Board of Canada, some insurers no longer require reporting. The eligibility period is 5 to 10 years after the end of the sentence depending on the severity. A pardon can reduce your premium by 20 to 40%.
Quebec-wide service for criminal records
Assur360 serves clients with a track record in all regions: Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Thetford Mines. Our service is confidential, non-judgmental and adapted to all situations, including cases deemed difficult by traditional insurers.
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