{"id":16135,"date":"2025-03-09T22:42:40","date_gmt":"2025-03-10T02:42:40","guid":{"rendered":"https:\/\/www.assur360.ca\/cancelled-home-insurance-2\/"},"modified":"2026-06-25T17:22:05","modified_gmt":"2026-06-25T21:22:05","slug":"cancelled-home-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/cancelled-home-insurance-2\/","title":{"rendered":"Cancelled home insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-hre *{margin:0;padding:0;box-sizing:border-box}\n.a360-hre{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-hre h2,.a360-hre h3,.a360-hre h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-hre a{color:#10c4c7;text-decoration:none}\n.a360-hre a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-hre .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 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p{color:#94a3b8;font-size:16px;margin-bottom:24px}\n\n@media(max-width:768px){\n  .a360-hre .hero-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hre .hero-mascot img{width:160px}\n  .a360-hre .hero-btns{justify-content:center}\n  .a360-hre .img-section{flex-direction:column}\n  .a360-hre .img-section img{width:100%}\n  .a360-hre .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-hre .cards-grid{grid-template-columns:1fr}\n  .a360-hre .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n}\n<\/style>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-habitation-resilie.jpg\" alt=\"Quebec House \u2014 Assur360 cancelled home insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Home-insurance-for-terminated\"><\/span>Home insurance for terminated<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">A termination by your previous insurer (non-payment, multiple claims, false declaration) blocks access to <strong>standard markets for 3-5 years<\/strong>. Solution: non-standard housing markets. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Available markets:<\/strong> Pafco, Echelon, Cumis and Lloyd&#8217;s via insurance broker. Increased premium (often 2-3\u00d7 standard) but possibility of resumption in the normal market after a few years without a claim. <\/p>\n  <\/div>\n<\/div>\n&#8220;`html\n\n<div class=\"a360-hre\">\n\n<!-- HERO CTA -->\n<div class=\"hero-cta\">\n  <div class=\"hero-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Home insurance broker after cancellation Assur360\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">Second chance home insurance<\/div>\n    <h2><span class=\"ez-toc-section\" id=\"Home-insurance-after-cancellation\"><\/span>Home insurance<br \/><span>after cancellation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Solutions even after a refusal. The brokers from our partner firms certified by the AMF find coverage tailored to your situation, regardless of your history.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" class=\"btn-teal\">Get my free quote \u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- IMAGE + INTRO -->\n<div class=\"img-section\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/03\/Assurance-habitation-2e-chance.png\" alt=\"Second chance home insurance after cancellation in Quebec\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Get-home-insurance-despite-a-refusal\"><\/span>Get home insurance despite a refusal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>If you have already faced a refusal for home insurance, know that solutions exist. <strong>Second chance home insurance<\/strong> is designed to provide coverage for individuals who have difficulty obtaining insurance due to their history or the nature of their home.<\/p>\n    <p><strong>At Assur360, you get the best of both worlds:<\/strong> start your quote online and be advised by an experienced broker who knows the insurers accepting canceled files.<\/p>\n  <\/div>\n<\/div>\n\n<!-- POURQUOI REFUS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Why-can-home-insurance-be-refused\"><\/span>Why can home insurance be refused?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>An insurer may refuse to cover a home or cancel a contract for several reasons. Understanding these factors helps you better prepare your file to obtain new coverage.<\/p>\n  <ul>\n    <li><strong>Claims history<\/strong>: A history marked by multiple claims (water damage, fires, thefts) increases the perceived risk by the insurer.<\/li>\n    <li><strong>Non-payment of premiums<\/strong>: A contract canceled for non-payment remains on your record for several years.<\/li>\n    <li><strong>Poor credit history<\/strong>: A low credit score can be a determining factor for some insurers.<\/li>\n    <li><strong>High-risk property type<\/strong>: Older homes, non-compliant constructions, outdated roofs, or obsolete electrical systems.<\/li>\n    <li><strong>Unusual occupancy<\/strong>: <a href=\"\/assurance-maison-inoccupee\/\">Vacant homes<\/a> or short-term rentals (Airbnb).<\/li>\n    <li><strong>Fraudulent declaration<\/strong>: Any previous false declaration can lead to systematic refusal.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- ETAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-to-obtain-insurance-after-cancellation\"><\/span>How to obtain insurance after cancellation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"steps\">\n    <div class=\"step\">\n      <div class=\"step-num\">1<\/div>\n      <h4>Fill out the form<\/h4>\n      <p>Describe your situation and history in a few minutes<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Specialized comparison<\/h4>\n      <p>We contact insurers who accept canceled files<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">3<\/div>\n      <h4>Advice from a broker<\/h4>\n      <p>An AMF-certified broker presents you with the best available options<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Coverage restored<\/h4>\n      <p>Choose the appropriate policy and regain your peace of mind<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- SOLUTIONS CARDS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Solutions-to-regain-home-insurance\"><\/span>Solutions to regain home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Even after a cancellation, several avenues are available to you to obtain adequate coverage.<\/p>\n  <div class=\"cards-grid\">\n    <div class=\"card\">\n      <h4>Compare specialized insurers<\/h4>\n      <p>There are companies specialized in insurance for atypical profiles. Going through an <a href=\"https:\/\/www.assur360.ca\/courtier-assurance\/\">insurance broker<\/a> allows you to access multiple offers simultaneously and find the best value for money.<\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Improve your insurable profile<\/h4>\n      <p>Some adjustments reduce the perceived risk: improving your credit history, installing security systems (alarms, smoke detectors), regularizing any non-compliance issues with the building.<\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Opt for alternative insurances<\/h4>\n      <p>If traditional insurers refuse your file, turn to companies specialized in high-risk home insurance, temporary home insurance, or custom policies tailored to your situation.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- PROTEGER VOTRE FOYER -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Protect-your-home-despite-challenges\"><\/span>Protect your home despite challenges<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Obtaining home insurance can be complicated for some individuals with a high claims history, payment delays, or difficult financial backgrounds. Fortunately, second chance home insurance is specially designed to offer protection to tenants and homeowners facing these challenges.<\/p>\n  <p>With tailored solutions, it is possible to benefit from coverage that protects your home against fires, thefts, water damage, and other risks, while rebuilding your insurance history.<\/p>\n  <p>Insurers specializing in second chance evaluate your situation with a more flexible approach, taking into account your willingness to restore a good financial reputation. By shopping wisely and comparing offers, you can find a policy that meets your needs without compromising your budget.<\/p>\n\n  <h3>What to know about premiums<\/h3>\n  <ul>\n    <li><strong>Higher premiums<\/strong>: The cost is generally higher to compensate for the risk.<\/li>\n    <li><strong>Stricter conditions<\/strong>: Some exclusions or limitations may apply.<\/li>\n    <li><strong>Request for additional guarantees<\/strong>: Some insurers require improvements (alarm, renovated roof, annual payment instead of monthly).<\/li>\n  <\/ul>\n<\/div>\n\n<!-- HIGHLIGHT BOX -->\n<div class=\"highlight-box\">\n  <strong>How to reduce your second chance insurance premium?<\/strong><br \/><br \/>\n  Even though second chance home insurance is often more expensive, there are several ways to obtain a discount. Bundle your insurances (home + auto) to save 5% to 15%. Increase your deductible: moving from $500 to $1,000 can reduce your premium by 10% to 20%. Each year without a claim can also give you a progressive discount of up to 20% after 3 to 5 years without a loss.\n<\/div>\n\n<!-- ALERT BOX -->\n<div class=\"alert-box\">\n  <h4>Must-know information<\/h4>\n  <p>To limit the cost of your insurance, you can: increase your deductible, bundle your home insurance with auto insurance, consult a broker to negotiate a better premium, and improve the security of your home (alarm, cameras, reinforced doors). An independent broker like Assur360 negotiates for you with multiple insurers.<\/p>\n<\/div>\n\n<!-- AVANTAGES ET PROTECTIONS -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Advantages-of-second-chance-home-insurance\"><\/span>Advantages of second chance home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <h3>Access to insurance despite a difficult history<\/h3>\n  <p>One of the main advantages of second chance home insurance is that it allows you to be covered even\n&#8220;&#8220;&#8220;html\n<p>after a refusal. Whether it is due to an irregular payment history, frequent claims, or a file deemed high risk, this insurance gives you the opportunity to obtain the protection you need.<\/p>\n\n<h3>Essential protection for your home and belongings<\/h3>\n<p>Like any home insurance, it can cover, depending on the insurer, damages to property and the home, including: fires, water damage, theft, and vandalism, as well as liability coverage (protection against lawsuits if you cause damage to others). Even if your profile is deemed high risk, this insurance allows you to avoid major financial losses in the event of a claim.<\/p>\n\n<h3>Compliance and peace of mind<\/h3>\n<p>Choosing second chance home insurance not only allows you to comply with the requirements of property owners and financial institutions but also ensures your peace of mind in case of unforeseen events.<\/p>\n<\/div>\n\n<!-- VILLES GEO -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Home-insurance-canceled-everywhere-in-Quebec\"><\/span>Home insurance canceled everywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The brokers from our partner firms assist canceled policyholders in all regions of Quebec, including <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, and <strong>Saguenay<\/strong>. No matter your location, we find a solution tailored to your situation.<\/p>\n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>AMF certified brokers<\/strong>\n    <span>Autorit\u00e9 des march\u00e9s financiers<\/span>\n  <\/div>\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>Members of the Chamber of Insurance<\/strong>\n    <span>Chamber of Insurance<\/span>\n  <\/div>\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>100,000+ quotes<\/strong>\n    <span>Comparisons made<\/span>\n  <\/div>\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>9+ insurers<\/strong>\n    <span>Partnered compared<\/span>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"faq\">\n  <h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Home-Insurance-After-Cancellation\"><\/span>Frequently Asked Questions &#8212; Home Insurance After Cancellation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>What is second chance home insurance?<\/summary>\n    <p>Second chance home insurance is a solution for tenants and homeowners who have been refused by traditional insurers due to an irregular payment history, frequent claims, or a profile deemed high risk. Specialized insurers offer coverage tailored to these situations.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Why did my insurer refuse me coverage?<\/summary>\n    <p>Insurance companies assess risks based on various criteria. A history of repeated claims, payment issues, poorly maintained housing, or a property deemed high risk can lead to a refusal of insurance.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How long does the cancellation stay on my insurance record?<\/summary>\n    <p>A cancellation of home insurance generally stays on your record for 3 to 6 years depending on the insurers. It can affect your ability to obtain standard coverage. With Assur360, we help you find insurers who accept files with a history of cancellation.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How can I get a quote quickly?<\/summary>\n    <p>Use the Assur360 online comparison tool: fill out the form in less than 5 minutes and an AMF certified broker will contact you quickly with several options tailored to your cancellation situation.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How can I improve my record to obtain standard insurance?<\/summary>\n    <p>To return to classic home insurance at a better price, it is recommended to pay your premiums on time, reduce non-essential claims, improve the security of the home (alarm, detectors), and maintain financial stability over several years.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does second chance home insurance cost more?<\/summary>\n    <p>Yes, premiums are generally higher to compensate for the additional risk. However, by bundling your insurance, increasing your deductible, or installing security systems, you can significantly reduce the cost. An Assur360 broker negotiates the best rates for you.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my home insurance cover my home-based business?<\/summary>\n    <p>No, in most cases. Home insurance does not cover business activities conducted at home. A separate <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\">business insurance<\/a> policy is necessary to protect your professional equipment and your commercial liability.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Is the quote really free and without obligation?<\/summary>\n    <p>Absolutely. The quote is 100% free and without obligation. You receive proposals from several specialized insurers and you are free to choose the one that suits you best. No obligation, no fees.<\/p>\n  <\/details>\n<\/div>\n\n<!-- FINAL CTA -->\n<div class=\"final-cta\">\n  <div class=\"final-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Broker Home Insurance Canceled\"\/>\n  <\/div>\n  <div class=\"final-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Find-your-home-insurance\"><\/span>Find your home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The brokers from our AMF certified partner firms specialize in canceled files. Compare several insurers and find the coverage tailored to your situation.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/soumission-habitation-solutions\/\" class=\"btn-teal\">Get my free quote \u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-hre -->\n\n&#8220;`\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Cancelled home insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation-resilie\/\"}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Quebec, Canada\"},\n  \"description\": \"Home insurance after cancellation in Quebec. AMF certified insurance brokers specialize in cancelled cases and high-risk profiles.\",\n  \"priceRange\": \"$$\",\n  \"address\": {\"@type\":\"PostalAddress\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"}\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"What is second chance home insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Second chance home insurance is a solution for tenants and homeowners who have been denied by traditional insurers due to irregular payment history, frequent claims, or a profile deemed high-risk.\"}},\n    {\"@type\":\"Question\",\"name\":\"Why did my insurer deny me coverage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurance companies assess risks based on various criteria. 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It can affect your ability to obtain standard coverage.\"}},\n    {\"@type\":\"Question\",\"name\":\"How can I get a quote quickly?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Use the Assur360 online comparison platform: fill out the form in less than 5 minutes and an AMF certified broker will contact you quickly with several options.\"}},\n    {\"@type\":\"Question\",\"name\":\"How can I improve my record to obtain standard insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pay your premiums on time, reduce non-essential claims, improve home security, and maintain financial stability over several years.\"}},\n    {\"@type\":\"Question\",\"name\":\"Does second chance home insurance cost more?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, premiums are generally higher. 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