{"id":15673,"date":"2023-02-19T10:41:05","date_gmt":"2023-02-19T15:41:05","guid":{"rendered":"https:\/\/www.assur360.ca\/home-insurance-criminal-record-2\/"},"modified":"2026-06-25T23:55:00","modified_gmt":"2026-06-26T03:55:00","slug":"home-insurance-criminal-record-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/home-insurance-criminal-record-2\/","title":{"rendered":"Criminal Record and Home Insurance Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.ez-toc-v2_0_72{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/10\/assur360-logo.png\", \"telephone\": \"+18663574451\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"123 rue Notre-Dame\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 2P7\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": \"Criminal record and home insurance Quebec\", \"priceRange\": \"$$\", \"memberOf\": [{\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\"}, {\"@type\": \"Organization\", \"name\": \"Chamber of Insurance\"}], \"mainEntityOfPage\": \"https:\/\/www.assur360.ca\/dossier-criminel-en-assurance-habitation\/\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Assur360<\/strong>, an <strong>AMF-certified<\/strong> firm, specializes in home insurance for profiles with a criminal record in Quebec. Our <strong>insurance brokers in our partner firms<\/strong> work with substandard and specialized insurers who accept the majority of backgrounds. Confidential, free and non-judgmental quote.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">CRIMINAL RECORD ACCEPTED<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Home-insurance-even-with-a-record\"><\/span>Home insurance even with a record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ insurers compared, including specialized substandard companies. Confidential solutions for all profiles.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-rapide\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my quote (3 min)<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Available insurers<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">85 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Files find takers<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Confidential Quote<\/div>\n  <\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-does-a-criminal-record-complicate-home-insurance\"><\/span>Why does a criminal record complicate home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">For Quebec insurers, a criminal record increases <strong>moral hazard<\/strong> (probability of loss caused by behaviour). Some offences such as <strong>arson<\/strong>, <strong>fraud<\/strong> or <strong>drug trafficking<\/strong> are particularly sensitive because they directly affect the insurance risk. But <strong>having a record doesn&#8217;t mean being turned away everywhere<\/strong> : there&#8217;s a specialized market.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Standard insurers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Some accept old crimes (+10 years) or not related to the risk of home. More flexible questions depending on the company. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Substandard insurers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Lombard, L&#8217;Unique, Optimum, Continental Casualty: specialists in unconventional profiles with moderate surcharges.<\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd10<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Specialized insurers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Solutions for complex cases (arson, fraud). Higher premium but full coverage possible. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Torts-and-Insurer-Acceptance\"><\/span>Types of Torts and Insurer Acceptance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Not all crimes are treated equally. Here is a general overview in Quebec in 2026: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u2705 Old minor offences (+5 years)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Common assault, minor mischief, disturbing the peace: often accepted by standard insurers with a low surcharge.<\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udfe1 Impaired driving<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Impact especially on car insurance. For housing, acceptable by several standard insurers and all sub-standards. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udfe1 Property Offences (Theft)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Case-by-case assessment. Substandard insurers usually accept after 5-10 years without recurrence. <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udfe0 Drug trafficking\/production<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">More sensitive. Substandard or specialized insurers required. 30-60% surcharge.  <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd34 Arson \/ arsonism<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Very difficult. Requires a specialized insurer. In-depth investigation, high premium, high deductible.  <\/p>\n  <\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd34 Previous insurance fraud<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The most difficult. Very small market but Assur360 has solutions. Full declaration required.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-home-insurance-in-4-steps\"><\/span>How to get your home insurance in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Fill out our secure form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Confidential online form, encrypted HTTPS. We will ask for the nature and age of the offence to guide you properly. <\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Analysis of your profile<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The brokers of our AMF partner firms identify the insurers that accept your situation among the 30+ partner companies.<\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Compare offers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">You receive 2 to 5 specific quotes. We explain the conditions, surcharges and deductibles. <\/p><\/div>\n  <\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Issuance of the insurance policy<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, secure payment, immediate attestation. Your home is protected. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Always be honest<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Omitting a criminal record at the time of subscription constitutes a <strong style=\"color:#ffffff;\">false declaration<\/strong> (art. 2408 Civil Code). In the event of a claim, the insurer may <strong style=\"color:#ffffff;\">deny compensation<\/strong> and <strong style=\"color:#ffffff;\">retroactively cancel<\/strong> the policy. Better to pay an extra premium than to lose your house.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-rates-for-home-insurance-with-a-criminal-record\"><\/span>2026 rates for home insurance with a criminal record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">House $400,000 (standard)<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">With criminal record<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Surcharge<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Misdemeanor 10+ years $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">950 \u2013 $1,400<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+10-15%<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Impaired Driving<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,000 \u2013 $1,500<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15-25%<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Major Theft \/ Mischief<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,150 \u2013 $1,700<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+30-40%<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Narcotics (trafficking\/production)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,300 \u2013 $1,900<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+45-55%<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Previous arson<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,800 \u2013 $2,800<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+100-130%<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Insurance Fraud<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$850 \u2013 $1,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,100 \u2013 $3,200<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+140-170%<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. Each case is evaluated individually. <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\">Exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">DIFFICULT CASE?<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Refused elsewhere? Talk to Assur360<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers from our partner firms know the substandard market and find solutions even for complex cases.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Talk to a broker<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call 1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Grace period and judicial pardon<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">After a <strong>record suspension (pardon)<\/strong> granted by the Parole Board of Canada, some insurers no longer require reporting. The eligibility period is <strong>5 to 10 years<\/strong> after the end of the sentence depending on the severity. <strong>A pardon can reduce your premium by 20 to 40%.<\/strong> <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-wide-service-for-criminal-records\"><\/span>Quebec-wide service for criminal records<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 serves clients with a track record in all regions: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Thetford Mines<\/strong>. Our service is <strong>confidential<\/strong>, <strong>non-judgmental<\/strong> and adapted to all situations, including cases deemed difficult by traditional insurers. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"\/assurance-habitation-sous-standard\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Substandard Home Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Solutions for difficult cases (refusals, claims, etc.).<\/p>\n  <\/a><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home Insurance Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete owner&#8217;s guide and standard coverage.<\/p>\n  <\/a><a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance with a criminal record<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Car insurance information for sensitive cases.<\/p>\n  <\/a><a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Tenant Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Affordable solution for tenants with a track record.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-criminal-records-and-home-insurance\"><\/span>Frequently asked questions \u2014 criminal records and home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do insurers check my criminal record in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Yes. When applying, many insurers ask the question <strong>\u201cDo you have any criminal history in the last X years?\u201d<\/strong> Omitting or lying constitutes a <strong>misrepresentation<\/strong> (art. 2408-2413 Civil Code of Quebec) and can lead to the <strong>cancellation of the policy<\/strong> or <strong>denial of coverage<\/strong>.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What types of offenses are generally accepted?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p><strong>Non-dwelling<\/strong> or <strong>insurable risk<\/strong> 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.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What offenses are often denied by insurers?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Offenses related to <strong>insurable risk<\/strong> make obtaining a policy difficult: <strong>arson (pyromania)<\/strong>, <strong>insurance fraud<\/strong>, <strong>drug trafficking<\/strong>, <strong>illegal cannabis production<\/strong>, <strong>repeated vandalism<\/strong>, <strong>burglary<\/strong>. Assur360 directs you to <strong>substandard<\/strong> or <strong>specialized<\/strong> insurers.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How many years do insurers look back?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Most insurers look back <strong>5 to 10 years<\/strong> in history. After a <strong>pardon (record suspension)<\/strong> granted by the Parole Board of Canada, some insurers no longer consider offenses. Others require a full lifetime disclosure.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need to disclose a criminal record if I have received a pardon?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>It depends on how the question is phrased. If the insurer asks <strong>\u201cDo you have a criminal record?\u201d<\/strong>, a pardon legally allows you to answer no. If they ask <strong>\u201cHave you ever been convicted of an offense?\u201d<\/strong>, you must answer yes. When in doubt, <strong>disclose everything<\/strong>: better to have a surcharge than a cancellation.<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does home insurance cost with a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>The premium can be <strong>20% to 60% higher<\/strong> than a standard policy, depending on the nature of the offense, its age, and the chosen company. In 2026, expect to pay around <strong>$1,100 to $2,400\/year<\/strong> for a $400,000 home (vs $750 \u2013 $1,400 standard).<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I be denied everywhere with a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>No. Assur360 works with <strong>specialized substandard insurers<\/strong> like Lombard, L&#8217;Unique, Optimum, Continental Casualty who accept most criminal records. There is always a solution \u2014 even for complex cases (past arson, fraud).<\/p><\/div>\n  <\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can I quickly get a quote with a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Contact Assur360 through our <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\">secure form<\/a> or by phone at <strong>1-866-357-4451<\/strong>. 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.<\/p><\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Do insurers check my criminal record in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Yes. When applying, many insurers ask the question <strong>\u201cDo you have any criminal history in the last X years?\u201d Omitting or lying is considered a <\/strong><strong>false declaration (art. 2408-2413 Civil Code of Quebec) and can result in the <\/strong><strong>cancellation of the policy or the <\/strong><strong>denial of compensation.\"}}, {\"@type\": \"Question\", \"name\": \"What types of offenses are generally accepted?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Offenses <strong>not related to the home or the <\/strong><strong>insurance risk are often accepted by standard or sub-standard insurers: minor traffic violations (driving under the influence without auto insurance), old simple assaults, certain minor property offenses, etc.\"}}, {\"@type\": \"Question\", \"name\": \"What offenses are often denied by insurers?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Offenses related to the <strong>insurance risk make obtaining a policy difficult: <\/strong><strong>arson (pyromania), <\/strong><strong>insurance fraud, <\/strong><strong>drug trafficking, <\/strong><strong>illegal cannabis production, <\/strong><strong>repeated vandalism, <\/strong><strong>burglary. Assur360 directs you to <\/strong><strong>sub-standard or specialized insurers.\"}}, {\"@type\": \"Question\", \"name\": \"How many years do insurers look back?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Most insurers look back <strong>5 to 10 years of history. After a <\/strong><strong>pardon (record suspension) granted by the Parole Board of Canada, some insurers no longer consider offenses. Others require a full lifetime disclosure.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need to declare a criminal record if I have received a pardon?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>It depends on how the question is phrased. If the insurer asks <strong>\u201cDo you have a criminal record?\u201d, a pardon legally allows you to answer no. If they ask <\/strong><strong>\u201cHave you ever been convicted of an offense?\u201d, you must answer yes. When in doubt, <\/strong><strong>disclose everything: better a surcharge than a cancellation.\"}}, {\"@type\": \"Question\", \"name\": \"How much does home insurance cost with a criminal record?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>The premium can be <strong>20 to 60% higher than a standard policy, depending on the nature of the offense, its age, and the chosen company. In 2026, expect around <\/strong><strong>$1,100 to $2,400\/year for a $400,000 home (vs $750 \u2013 $1,400 standard).\"}}, {\"@type\": \"Question\", \"name\": \"Can I be denied everywhere with a criminal record?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>No. Assur360 works with <strong>specialized sub-standard insurers like Lombard, L'Unique, Optimum, Continental Casualty who accept most criminal records. There is always a solution \u2014 even for complex cases (past arson, fraud).\"}}, {\"@type\": \"Question\", \"name\": \"How to quickly get a quote with a criminal record?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Contact Assur360 through our <a href=\\\"\/soumission-habitation-solutions\/\\\">secure form or by phone at <strong>1-866-357-4451. Honestly declare 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.\"}}]}<\/strong><\/a><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/strong><\/p><\/script> \n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+<\/strong> insurers compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Service anywhere in <strong>Quebec<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get your home insurance, even with a record<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Confidential quote in 3 minutes. Assur360 brokers without judgment, 9+ insurers compared.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Request my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Home Insurance\", \"item\": \"https:\/\/www.assur360.ca\/produit\/assurance-habitation\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Criminal Record and Home Insurance Quebec\", \"item\": \"https:\/\/www.assur360.ca\/dossier-criminel-en-assurance-habitation\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance with criminal record in Quebec 2026. 85% of profiles accepted, specialized substandard insurers. Confidential submission 3 min.  <\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Criminal Record and Home Insurance Quebec 2026","_seopress_titles_desc":"Home insurance with criminal record in Quebec 2026. 85% of profiles accepted, specialized substandard insurers. Confidential submission 3 min.  ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Home insurance criminal record","_seopress_social_fb_desc":"Compare the best home insurance offers in Quebec. AMF certified broker.  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