IN BRIEF
Non-standard home insurance
Non-standard homes (very old 1900s-, old knob-and-tube electricity, galvanized plumbing, roof over 20 years old, main wood fireplace) are refused by standard markets.
Solution: specialized programs via Lloyd’s, Cumis, and non-standard markets. Pricing reflects risk but coverage is available. Upgrading plan (electrical update, roof) can facilitate standard rework.
Non-standard home insurance
Solutions for difficult cases. Bad credit, criminal record, cancellation, repeated claims: the brokers from our partner firms find coverage tailored to your situation.
Why choose Assur360 for your second chance insurance?
At Assur360, we believe that everyone deserves protection tailored to their situation. If you are struggling to obtain home insurance due to your history or special circumstances, the brokers from our partner firms are here to help you.
We collaborate with specialized home insurers to offer you coverage, even if your file has been refused elsewhere. AMF certified brokers, 100% independent.
Situations covered by the brokers from our partner firms
Even if your file has been refused elsewhere, we have solutions for you:
Non-payment
Have you had difficulties paying your premiums? We find solutions tailored to your budget.
Criminal record or court record
We work with insurers who understand your reality and do not judge you.
Frequency of claims
Too many claims in your file? We help you find coverage at a competitive rate.
Precarious financial situation
Discharged bankruptcy, financial difficulties: we find accessible options to protect you despite your financial past.
High-risk area
Insuring a property in a congested area can be complicated, but we have solutions.
Cancelled contract
A cancellation by a previous insurer does not mean the end of your protection. We can help you.
Employment-related reasons
Some professions or work situations make insurance more complex, but we have partners ready to cover you.
Tenant in a commercial building
Even if your situation is special, we find tailored solutions for your tenant insurance.
Vacant home
House unoccupied due to an estate, a move, or other circumstances? We offer tailored protection.
How it works
Fill out the form
Describe your situation in a few minutes, even with a complex file
Analysis of your file
A specialized broker evaluates your profile and contacts the appropriate insurers
Comparison of offers
We compare quotes from several non-standard insurers
Coverage obtained
Choose the option that suits you at the best available price
Non-standard home insurance in Quebec
At Assur360, we believe that everyone deserves protection, regardless of their history. Even if your file has been refused elsewhere, the brokers from our partner firms work with specialized home insurers to offer you tailored coverage.
Whether due to non-payment, a criminal record, a contract cancellation, or a difficult financial situation, we have solutions for you.
Vacant home: protection even in your absence
Your house is temporarily unoccupied due to an estate, a move abroad, or other circumstances? Finding insurance for a vacant home can be a challenge, but Assur360 and its partner brokers offer tailored solutions.
We work with specialized insurers who understand the risks associated with unoccupied properties and offer you reliable coverage to protect your asset against damage, theft, and vandalism.
Don’t let your past dictate your future
Get a quote today and take back control of your protection! Contact us now at 1-866-357-4451 to discuss your needs with an experienced broker.
Frequently Asked Questions — Non-standard Home Insurance
Does a criminal record prevent me from insuring my home?
No, not automatically. You must disclose the situation (duty to disclose). The insurer will evaluate the nature of the offense, the date, the recurrence, and whether there has been rehabilitation or suspension of the record. Certain offenses (e.g., arson, insurance fraud) may lead to a refusal or strict conditions, but the brokers from our partner firms find solutions.
What makes a home “non-standard” in insurance?
A home is considered non-standard if it presents an increased risk: aging roof, wood heating, vacant home, history of claims, lead plumbing, or criminal record of the owner. Specialized insurers still offer coverage. Check the Autorité des marchés financiers (AMF) for more information.
How much does non-standard home insurance cost?
The cost varies based on your risk profile, the type of property, and the coverage chosen. Premiums are generally higher than for a standard file, but an independent broker like those at Assur360 negotiates the best rates among several specialized insurers. Request a free quote to know your price.
Can I obtain insurance after a cancellation by my previous insurer?
Yes. A cancellation does not mean the end of your protection. The brokers from our partner firms work with insurers who accept canceled files. The reason for the cancellation will be evaluated, but in most cases, new coverage is possible.
What should I do if I have had multiple claims in recent years?
A history of claims can complicate obtaining standard insurance. The brokers from our partner firms have access to specialized insurers who evaluate each file individually. Even with a heavy history, we can generally find coverage at a competitive rate.
Does bankruptcy affect my home insurance?
Yes, bankruptcy can influence your eligibility with certain insurers. However, once the bankruptcy is discharged, options remain available. The brokers from our partner firms know the insurers who accept these profiles and help you find the best possible coverage.
Why go through a broker rather than a direct insurer for a non-standard file?
An independent broker like Assur360 has access to several specialized insurers for non-standard files. They act in your interest, not that of a single insurer. They compare offers, negotiate the best rates, and assist you in the event of a claim. This is a major advantage for complex files.
Does my vacant home insurance cover theft and vandalism?
It depends on the policy taken out. Some policies for vacant homes exclude theft and vandalism after a certain period of vacancy (often 30 days). The brokers from our partner firms recommend the appropriate protections to ensure your property remains covered, even during your extended absence.
Protect your home, even with a difficult file
The brokers from our AMF-certified partner firms compare several specialized insurers to find you the best non-standard home coverage in Quebec.