{"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":"2026-04-19T22:42:04","modified_gmt":"2026-04-20T02:42:04","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\": \"Dossier criminel et assurance habitation Qu\u00e9bec\", \"priceRange\": \"$$\", \"memberOf\": [{\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\"}, {\"@type\": \"Organization\", \"name\": \"Chambre de l'assurance de dommages (ChAD)\"}], \"mainEntityOfPage\": \"https:\/\/www.assur360.ca\/dossier-criminel-en-assurance-habitation\/\"}<\/script>\n\n<p 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>independent brokers<\/strong> work with substandard and specialized insurers that accept the majority of backgrounds. Confidential, free and non-judgmental submission.  <\/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-history\"><\/span>Home insurance even with a history<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">9+ insurers compared, including specialized sub-standard companies. Confidential solutions for all profiles. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-home-quote\/\" 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 Submission<\/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 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 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;\">Our AMF brokers 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 police<\/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 style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. Each application is evaluated individually. <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-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;\">A 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;\">Our brokers know the sub-standard market and find solutions even for complex cases.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-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 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\/?page_id=13244\" 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>&#8220;Do you have a criminal history in the last X years?&#8221;<\/strong> Omitting or lying constitutes a <strong>false statement<\/strong> (art. 2408-2413 Civil Code of Qu\u00e9bec) and may result in <strong>the cancellation of the policy<\/strong> or the <strong>denial of compensation<\/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 crimes are generally accepted?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>Crimes <strong>not related to home<\/strong> or <strong>insurance risk<\/strong> 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.<\/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;\">Which crimes are often refused by insurers?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p><strong>Insurance risk<\/strong> offences make it difficult to obtain a policy: <strong>arson (arson),<\/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 insurers<\/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;\">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 at <strong>5 to 10 years<\/strong> of history. After a <strong>pardon (record suspension)<\/strong> granted by the Parole Board of Canada, some insurers no longer take offence into account. Others require a full declaration for life.  <\/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 have to declare a criminal record if I have obtained a pardon?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><p>It depends on the wording of the question. If the insurer asks <strong>&#8220;Do you have a criminal record?&#8221;,<\/strong> a pardon legally allows you to answer no. If he asks <strong>&#8220;Have you ever been convicted of an offence?&#8221;,<\/strong> the answer must be yes. If in doubt, <strong>declare everything<\/strong> : an additional premium is better 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 with a criminal record cost?<\/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 crime, its age and the company chosen. 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 turned away 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 sub-standard insurers<\/strong> such as Lombard, L&#8217;Unique, Optimum, Continental Casualty who accept most criminal cases. 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 do I get a quote with a criminal record quickly?<\/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\/en\/quote-home-solutions\/\">secure form<\/a> or by phone at <strong>1-866-357-4451<\/strong>. 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. <\/p><\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Les assureurs v\u00e9rifient-ils mon dossier criminel au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Oui. Lors de la souscription, plusieurs assureurs posent la question <strong>\u00ab Avez-vous des ant\u00e9c\u00e9dents criminels au cours des X derni\u00e8res ann\u00e9es ? \u00bb Omettre ou mentir constitue une <\/strong><strong>fausse d\u00e9claration (art. 2408-2413 Code civil du Qu\u00e9bec) et peut entra\u00eener l'<\/strong><strong>annulation de la police ou le <\/strong><strong>refus d'indemnisation.\"}}, {\"@type\": \"Question\", \"name\": \"Quels types de d\u00e9lits sont g\u00e9n\u00e9ralement accept\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Les d\u00e9lits <strong>non li\u00e9s au domicile ou au <\/strong><strong>risque assurantiel sont souvent accept\u00e9s par les assureurs standards ou sous-standards : infractions de la route mineures (conduite avec facult\u00e9s affaiblies hors assurance auto), voies de fait simples anciennes, certaines infractions contre les biens mineures, etc.\"}}, {\"@type\": \"Question\", \"name\": \"Quels d\u00e9lits sont souvent refus\u00e9s par les assureurs ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Les infractions li\u00e9es au <strong>risque assurantiel rendent l'obtention d'une police difficile : <\/strong><strong>incendie criminel (pyromanie), <\/strong><strong>fraude \u00e0 l'assurance, <\/strong><strong>trafic de stup\u00e9fiants, <\/strong><strong>production de cannabis ill\u00e9gale, <\/strong><strong>vandalisme r\u00e9p\u00e9t\u00e9, <\/strong><strong>vol avec effraction. Assur360 vous oriente vers des assureurs <\/strong><strong>sous-standards ou <\/strong><strong>sp\u00e9cialis\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Combien d'ann\u00e9es les assureurs regardent-ils en arri\u00e8re ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>La plupart des assureurs regardent <strong>5 \u00e0 10 ans d'ant\u00e9c\u00e9dents. Apr\u00e8s un <\/strong><strong>pardon (suspension du casier) accord\u00e9 par la Commission des lib\u00e9rations conditionnelles du Canada, certains assureurs ne tiennent plus compte des d\u00e9lits. D'autres exigent une d\u00e9claration compl\u00e8te \u00e0 vie.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer un dossier criminel si j'ai obtenu un pardon ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Cela d\u00e9pend de la formulation de la question. Si l'assureur demande <strong>\u00ab Avez-vous un casier judiciaire ? \u00bb, un pardon vous permet l\u00e9galement de r\u00e9pondre non. S'il demande <\/strong><strong>\u00ab Avez-vous d\u00e9j\u00e0 \u00e9t\u00e9 reconnu coupable d'une infraction ? \u00bb, il faut r\u00e9pondre oui. En cas de doute, <\/strong><strong>d\u00e9clarez tout : mieux vaut une surprime qu'une annulation.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance habitation avec dossier criminel ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>La prime peut \u00eatre <strong>20 \u00e0 60 % plus \u00e9lev\u00e9e qu'une police standard, selon la nature du d\u00e9lit, son anciennet\u00e9 et la compagnie choisie. En 2026, comptez environ <\/strong><strong>1 100 $ \u00e0 2 400 $\/an pour une maison de 400 000 $ (vs 750 $ \u2013 1 400 $ standard).\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je \u00eatre refus\u00e9 partout avec un dossier criminel ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Non. Assur360 travaille avec des <strong>assureurs sous-standards sp\u00e9cialis\u00e9s comme Lombard, L'Unique, Optimum, Continental Casualty qui acceptent la plupart des dossiers criminels. Il existe toujours une solution \u2014 m\u00eame pour les cas complexes (incendie criminel pass\u00e9, fraude).\"}}, {\"@type\": \"Question\", \"name\": \"Comment obtenir une soumission avec dossier criminel rapidement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<p>Contactez Assur360 par notre <a href=\\\"\/soumission-habitation-solutions\/\\\">formulaire s\u00e9curis\u00e9 ou par t\u00e9l\u00e9phone au <strong>1-866-357-4451. D\u00e9clarez honn\u00eatement votre situation : nos courtiers AMF connaissent les 9+ assureurs du Qu\u00e9bec et identifient celui qui accepte votre profil au meilleur prix.\"}}]}<!-- wpml:html_fragment <\/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>ChAD<\/strong> Member<\/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 submission in 3 minutes. Non-judgmental Assur360 brokers, 9+ insurers compared. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-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\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance habitation\", \"item\": \"https:\/\/www.assur360.ca\/produit\/assurance-habitation\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Dossier criminel et assurance habitation Qu\u00e9bec\", \"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_robots_primary_cat":"","_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":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15673","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15673"}],"version-history":[{"count":11,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15673\/revisions"}],"predecessor-version":[{"id":56512,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15673\/revisions\/56512"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45777"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}