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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 independent brokers work with substandard and specialized insurers that accept the majority of backgrounds. Confidential, free and non-judgmental submission.

CRIMINAL RECORD ACCEPTED

Home insurance even with a history

9+ insurers compared, including specialized sub-standard companies. Confidential solutions for all profiles.

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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

Our AMF brokers 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 police

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 arson850 – $1,2001,800 – $2,800100-130%
Insurance Fraud$850 – $1,2002,100 – $3,200+140-170%

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

A DIFFICULT CASE?

Refused elsewhere? Talk to Assur360

Our brokers know the sub-standard 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 a criminal history in the last X years?” Omitting or lying constitutes a false statement (art. 2408-2413 Civil Code of Québec) and may result in the cancellation of the policy or the denial of compensation.

What types of crimes are generally accepted?

Crimes not related to home or insurance risk are often accepted by standard or sub-standard insurers: minor traffic violations (impaired driving without car insurance), old common assaults, certain minor property offences, etc.

Which crimes are often refused by insurers?

Insurance risk offences make it difficult to obtain a policy: arson (arson), 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 at 5 to 10 years of history. After a pardon (record suspension) granted by the Parole Board of Canada, some insurers no longer take offence into account. Others require a full declaration for life.

Do I have to declare a criminal record if I have obtained a pardon?

It depends on the wording of the question. If the insurer asks “Do you have a criminal record?”, a pardon legally allows you to answer no. If he asks “Have you ever been convicted of an offence?”, the answer must be yes. If in doubt, declare everything : an additional premium is better than a cancellation.

How much does home insurance with a criminal record cost?

The premium can be 20 to 60% higher than a standard policy, depending on the nature of the crime, its age and the company chosen. 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 turned away everywhere with a criminal record?

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

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

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

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Why trust Assur360?

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

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Get your home insurance, even with a record

Confidential submission in 3 minutes. Non-judgmental Assur360 brokers, 9+ insurers compared.

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