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Criminal Record and Home Insurance Quebec 2026

Assur360, an AMF-certified firm, specializes in home insurance for profiles with a criminal record in Quebec. Our insurance brokers in our partner firms work with substandard and specialized insurers who accept the majority of backgrounds. Confidential, free and non-judgmental quote.

CRIMINAL RECORD ACCEPTED

Home insurance even with a record

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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.

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Standard insurers

Some accept old crimes (+10 years) or not related to the risk of home. More flexible questions depending on the company.

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Substandard insurers

Lombard, L’Unique, Optimum, Continental Casualty: specialists in unconventional profiles with moderate surcharges.

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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

1

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.

2

Analysis of your profile

The brokers of our AMF partner firms identify the insurers that accept your situation among the 30+ partner companies.

3

Compare offers

You receive 2 to 5 specific quotes. We explain the conditions, surcharges and deductibles.

4

Issuance of the insurance policy

Electronic signature, secure payment, immediate attestation. Your home is protected.

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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

ProfileHouse $400,000 (standard)With criminal recordSurcharge
Misdemeanor 10+ years $850 – $1,200950 – $1,400+10-15%
Impaired Driving$850 – $1,2001,000 – $1,50015-25%
Major Theft / Mischief$850 – $1,2001,150 – $1,700+30-40%
Narcotics (trafficking/production)$850 – $1,2001,300 – $1,900+45-55%
Previous arson$850 – $1,2001,800 – $2,800+100-130%
Insurance Fraud$850 – $1,2002,100 – $3,200+140-170%

*Indicative rates 2026. Each case is evaluated individually. Exact price in 3 minutes.

DIFFICULT CASE?

Refused elsewhere? Talk to Assur360

The brokers from our partner firms know the substandard market and find solutions even for complex cases.

Talk to a broker Call 1-866-357-4451
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Grace 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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Frequently asked questions — criminal records and home insurance

Do insurers check my criminal record in Quebec?

Yes. When applying, many insurers ask the question “Do you have any criminal history in the last X years?” Omitting or lying constitutes a misrepresentation (art. 2408-2413 Civil Code of Quebec) and can lead to the cancellation of the policy or denial of coverage.

What types of offenses are generally accepted?

Non-dwelling or insurable risk offenses are often accepted by standard or substandard insurers: minor traffic violations (driving under the influence outside of auto insurance), old simple assaults, certain minor property offenses, etc.

What offenses are often denied by insurers?

Offenses related to insurable risk make obtaining a policy difficult: arson (pyromania), insurance fraud, drug trafficking, illegal cannabis production, repeated vandalism, burglary. Assur360 directs you to substandard or specialized insurers.

How many years do insurers look back?

Most insurers look back 5 to 10 years in history. After a pardon (record suspension) granted by the Parole Board of Canada, some insurers no longer consider offenses. Others require a full lifetime disclosure.

Do I need to disclose a criminal record if I have received a pardon?

It depends on how the question is phrased. If the insurer asks “Do you have a criminal record?”, a pardon legally allows you to answer no. If they ask “Have you ever been convicted of an offense?”, you must answer yes. When in doubt, disclose everything: better to have a surcharge than a cancellation.

How much does home insurance cost with a criminal record?

The premium can be 20% to 60% higher than a standard policy, depending on the nature of the offense, its age, and the chosen company. In 2026, expect to pay around $1,100 to $2,400/year for a $400,000 home (vs $750 – $1,400 standard).

Can I be denied everywhere with a criminal record?

No. Assur360 works with specialized substandard insurers like Lombard, L’Unique, Optimum, Continental Casualty who accept most criminal records. There is always a solution — even for complex cases (past arson, fraud).

How can I quickly get a quote with a criminal record?

Contact Assur360 through our secure form or by phone at 1-866-357-4451. Honestly disclose your situation: the brokers from our partner firms AMF know the 9+ insurers in Quebec and identify the one that accepts your profile at the best price.

Why trust Assur360?

✓AMF certified firm
✓ Member of the Insurance Chamber
✓100,000+ submissions processed
✓9+ insurers compared
✓100% independent brokers
✓Service anywhere in Quebec

FREE QUOTE

Get your home insurance, even with a record

Confidential quote in 3 minutes. Assur360 brokers without judgment, 9+ insurers compared.

Request my quote Call 1-866-357-4451
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