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, termination, repeated claims: the brokers of our partner firms will find coverage adapted to your situation.
Why choose Assur360 for your 2nd chance insurance?
At Assur360, we believe that everyone deserves coverage that is tailored to their situation. If you’re having trouble getting home insurance due to your history or special circumstances, the brokers at our partner firms are here to help.
We work with specialized home insurers to provide you with coverage, even if your claim has been denied elsewhere. AMF certified brokers, 100% independent.
Situations covered by our partner firms’ brokers
Even if your application has been refused elsewhere, we have solutions for you:
Non-payment
Have you ever had trouble paying your premiums? We find solutions that fit your budget.
Criminal record or scroll
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 price.
Precarious financial situation
Bankruptcy discharged, 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.
Terminated contract
A cancellation by a previous insurer does not mean the end of your coverage. We can help.
Employment-related reasons
Certain professions or professional 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 tailor-made solutions for your tenant insurance.
Vacant home
Unoccupied house due to an inheritance, move, or other circumstances? We offer the right protection.
How it works
Fill out the form
Describe your situation in minutes, even with a complex case
Analysis of your file
A specialized broker evaluates your profile and contacts the appropriate insurers
Compare offers
We compare quotes from several non-standard insurers
Coverage Achieved
Choose the option that’s right for you at the best price available
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 of our partner firms work with specialized home insurers to offer you the right coverage.
Whether it’s due to non-payment, a criminal record, contract termination or a difficult financial situation, we have solutions for you.
Vacant home: protection even in your absence
Is your home temporarily unoccupied due to an inheritance, moving abroad, or other circumstances? Finding insurance for a vacant home can be a challenge, but Assur360 and its partner brokers offer you tailored solutions.
We work with specialist insurers who understand the risks associated with unoccupied properties and offer you reliable coverage to protect your property from damage, theft and vandalism.
Don’t let your past dictate your future
Get a quote today and take back control of your coverage! 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. The situation must be reported (obligation to disclose). The insurer will assess the nature of the offence, the date, the recidivism, and whether there is a pardon or record suspension. Some offences (e.g., arson, insurance fraud) can lead to a refusal or strict conditions, but the brokers of 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: an old roof, wood heating, a vacant house, a loss history, lead plumbing, or the owner’s criminal record. Specialized insurers still offer coverage. Consult the Autorité des marchés financiers (AMF) for more information.
How much does non-standard home insurance cost?
The cost varies depending on your risk profile, the type of property and the coverages 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 find out your price.
Can I get insurance after a cancellation by my old insurer?
Yes. A termination does not mean the end of your coverage. The brokers of our partner firms work with insurers who accept terminated files. The reason for the cancellation will be evaluated, but in most cases, new coverage is possible.
What if I have had several claims in recent years?
A claims history can make it difficult to get standard insurance. Our partner firms’ brokers have access to specialized insurers who evaluate each case individually. Even with a busy history, we can usually find coverage at a competitive rate.
Does bankruptcy affect my home insurance?
Yes, bankruptcy can affect your eligibility with some insurers. However, once the bankruptcy is discharged, options remain available. The brokers of our partner firms know the insurers that 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 insurers specializing in non-standard files. It acts in your best interest, not that of a single insurer. He compares offers, negotiates the best rates and supports you in the event of a claim. This is a major advantage for complex cases.
Does my vacant home insurance cover theft and vandalism?
It depends on the policy purchased. Some vacant home policies exclude theft and vandalism after a certain period of vacancy (often 30 days). The brokers of our partner firms recommend the right coverage to ensure that your property remains covered, even in your prolonged absence.
Protect your home, even with a difficult file
The brokers of our AMF-certified partner firms compare several specialized insurers to find you the best non-standard home coverage in Quebec.