{"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":"2026-09-02T12:37:31","modified_gmt":"2026-09-02T16:37:31","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=\"Maison du Qu\u00e9bec \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 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\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\">2nd chance home<\/div>\n    <h2><span class=\"ez-toc-section\" id=\"Home-insurance-After-termination\"><\/span>Home insurance<br \/><span>After termination<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Solutions even after a refusal. The brokers of our AMF-certified partner firms will find coverage adapted to your situation, regardless of your history. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-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=\"2nd 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 been refused home insurance, you should know that solutions exist. <strong>2nd chance home insurance<\/strong> is designed to offer coverage to people who are having difficulty insuring themselves due to their history or the nature of their home. <\/p>\n    <p><strong>At Assur360, you have the best of both worlds:<\/strong> start your quote online and be advised by an experienced broker who knows the insurers accepting terminated 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 can refuse to cover a home or cancel a contract for several reasons. Understanding these factors helps you better prepare your case for new coverage. <\/p>\n  <ul>\n    <li><strong>Loss history<\/strong> : A history of multiple claims (water damage, fire, theft) increases the insurer&#8217;s perceived risk.<\/li>\n    <li><strong>Non-payment of premiums<\/strong> : A policy cancelled for non-payment remains on your file 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>Type of property at risk<\/strong> : Old houses, non-compliant constructions, dilapidated roofs or obsolete electrical systems.<\/li>\n    <li><strong>Unusual occupancy<\/strong> : Unoccupied or short-term rented <a href=\"\/assurance-maison-inoccupee\/\">accommodations<\/a> (Airbnb).<\/li>\n    <li><strong>Fraudulent Declaration<\/strong> : Any previous false declaration may result in a systematic refusal.<\/li>\n  <\/ul>\n<\/div>\n\n<!-- ETAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-to-get-insurance-after-cancellation\"><\/span>How to get 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 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 terminated 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 options available<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Cover found<\/h4>\n      <p>Choose the right 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-find-home-insurance\"><\/span>Solutions to find home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Even after a cancellation, there are several avenues available to you to obtain adequate coverage.<\/p>\n  <div class=\"cards-grid\">\n    <div class=\"card\">\n      <h4>Compare Specialty Insurers<\/h4>\n      <p>There are companies specialising in insurance for atypical profiles. Going through an <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\">insurance broker<\/a> allows you to access several offers simultaneously and find the best value for money. <\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Improving your insurable profile<\/h4>\n      <p>Some adjustments reduce the perceived risk: improve your credit history, install security systems (alarms, smoke detectors), regularize any non-compliance situation of the building.<\/p>\n    <\/div>\n    <div class=\"card\">\n      <h4>Opt for alternative insurance<\/h4>\n      <p>If traditional insurers refuse your file, turn to companies specializing in at-risk housing, temporary home insurance or customized policies adapted 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-the-challenges\"><\/span>Protect your home despite the challenges<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Getting home insurance can be complicated for some people with a long claims history, late payments, or difficult financial history. Fortunately, 2nd chance home insurance is specifically designed to provide protection for renters and homeowners who encounter these challenges. <\/p>\n  <p>With the right solutions, you can get coverage that protects your home from fire, theft, water damage, and other risks, while rebuilding your insurance history.<\/p>\n  <p>Insurers specialising in 2nd chance assess your situation with a more flexible approach, taking into account your desire to restore a good financial reputation. By shopping around and comparing offers, you can find a policy that meets your needs without compromising your budget. <\/p>\n\n  <h3>What you need to know about premiums<\/h3>\n  <ul>\n    <li><strong>Higher premiums<\/strong> : The cost is usually higher to compensate for the risk.<\/li>\n    <li><strong>Stricter Terms<\/strong> : Some exclusions or limitations may apply.<\/li>\n    <li><strong>Requesting additional coverage<\/strong> : Some insurers require upgrades (alarm, roof renovated, 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 2nd chance insurance premium?<\/strong><br \/><br \/>  Even though 2nd chance home insurance is often more expensive, there are several ways to get a discount. Bundle your insurance (home + auto) to save 5% to 15%. Increase your deductible: Going from $500 to $1,000 can reduce your premium by 10% to 20%. Each claim-free year can also give you a progressive discount of up to 20% after 3 to 5 years without a claim.   \n<\/div>\n\n<!-- ALERT BOX -->\n<div class=\"alert-box\">\n  <h4>Must-know<\/h4>\n  <p>To limit the cost of your insurance, you can: increase your deductible, bundle your home insurance with car insurance, use a broker to negotiate a more advantageous premium, and improve the security of your home (alarm, cameras, armored 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=\"Benefits-of-2nd-Chance-Home-Insurance\"><\/span>Benefits of 2nd 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 2nd chance home insurance is that it allows you to be covered even after a refusal. Whether it&#8217;s because of an irregular payment history, frequent claims or a file deemed risky, this insurance gives you the opportunity to get the protection you need. <\/p>\n\n  <h3>Essential protection for your home and belongings<\/h3>\n  <p>Like any home insurance, depending on the insurer, it can cover damage to property and housing, including: fire, water damage, theft and vandalism, as well as civil liability (protection against lawsuits if you cause damage to others). Even if your profile is considered risky, 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>Opting for 2nd chance home insurance not only allows you to comply with the requirements of homeowners and financial institutions, but also to ensure your peace of mind in the event of the unexpected.<\/p>\n<\/div>\n\n<!-- VILLES GEO -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Home-insurance-cancelled-anywhere-in-Quebec\"><\/span>Home insurance cancelled anywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The brokers of our partner firms assist terminated insureds 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 where you are, we will find a solution that is right for you. <\/p>\n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>AMF<\/strong>\n Certified Brokers<span>Autorit\u00e9 des march\u00e9s financiers<\/span>    \n  <\/div>\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>Members Insurance<\/strong>\n Chamber<span>Insurance Chamber<\/span>    \n  <\/div>\n  <div class=\"eeat-item\">\n    <div class=\"check\">\u2713<\/div>\n    <strong>100,000+ Submissions<\/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>Partners 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-Post-Cancellation-Home-Insurance\"><\/span>Frequently Asked Questions &#8212; Post-Cancellation Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>What is 2nd chance home insurance?<\/summary>\n    <p>2nd chance home insurance is a solution for tenants and owners who have been refused by traditional insurers due to a history of irregular payments, frequent claims or a profile deemed to be at risk. Specialized insurers offer coverage adapted to these situations. <\/p>\n  <\/details>\n\n  <details>\n    <summary>Why did my insurer deny me coverage?<\/summary>\n    <p>Insurance companies assess risks based on a variety of criteria. A history of repeated claims, payment problems, a poorly maintained home or a property deemed at risk can lead to an insurance refusal. <\/p>\n  <\/details>\n\n  <details>\n    <summary>How long does cancellation remain on my insurance file?<\/summary>\n    <p>A home insurance cancellation usually remains in your file for 3 to 6 years depending on the insurer. It can affect your ability to get standard coverage. With Assur360, we help you find insurers that accept claims with a cancellation history.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How do 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 adapted to your cancellation situation.<\/p>\n  <\/details>\n\n  <details>\n    <summary>How do I upgrade my record to standard insurance?<\/summary>\n    <p>To return to traditional home insurance at a lower 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 2nd chance home insurance cost more?<\/summary>\n    <p>Yes, premiums are usually 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 the majority of cases. Home insurance does not cover commercial activities carried out at home. Separate <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">business insurance<\/a> is necessary to protect your business equipment and commercial general 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 cancelled\"\/>\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 of our AMF-certified partner firms specialize in terminated cases. Compare several insurers and find the right coverage for your situation. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-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<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance habitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Habitation resiliee\",\"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\": \"Assurance habitation apres resiliation au Quebec. Courtiers certifies AMF specialises dans les dossiers resilies et les profils a risque.\",\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\":\"Qu'est-ce que l'assurance habitation 2e chance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance habitation 2e chance est une solution pour les locataires et proprietaires ayant ete refuses par les assureurs traditionnels en raison d'un historique de paiements irreguliers, de reclamations frequentes ou d'un profil juge a risque.\"}},\n    {\"@type\":\"Question\",\"name\":\"Pourquoi mon assureur m'a-t-il refuse une couverture?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les compagnies d'assurance evaluent les risques en fonction de divers criteres. Un historique de sinistres repetes, des problemes de paiement, un logement mal entretenu ou une propriete jugee a risque peuvent entrainer un refus d'assurance.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps reste la resiliation dans mon dossier d'assurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une resiliation d'assurance habitation reste generalement dans votre dossier pendant 3 a 6 ans selon les assureurs. Elle peut affecter votre capacite a obtenir une couverture standard.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment obtenir une soumission rapidement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Utilisez le comparateur en ligne Assur360 : remplissez le formulaire en moins de 5 minutes et un courtier certifie AMF vous contactera rapidement avec plusieurs options.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment ameliorer mon dossier pour obtenir une assurance standard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Payez vos primes a temps, reduisez les reclamations non essentielles, ameliorez la securite du logement et maintenez une stabilite financiere sur plusieurs annees.\"}},\n    {\"@type\":\"Question\",\"name\":\"L'assurance habitation 2e chance coute-t-elle plus cher?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les primes sont generalement plus elevees. Cependant, en regroupant vos assurances, en augmentant votre franchise ou en installant des systemes de securite, vous pouvez reduire le cout.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon assurance habitation couvre-t-elle mon entreprise a domicile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, dans la majorite des cas. L'assurance habitation ne couvre pas les activites commerciales exercees a domicile. Une assurance entreprise distincte est necessaire.\"}},\n    {\"@type\":\"Question\",\"name\":\"Est-ce que la soumission est vraiment gratuite et sans engagement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolument. La soumission est 100 % gratuite et sans engagement. Vous recevez des propositions de plusieurs assureurs specialises et vous etes libre de choisir.\"}}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IN BRIEF Home insurance for terminated A termination by your previous insurer (non-payment, multiple claims, false declaration) blocks access to standard markets [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45583,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Get 2nd chance home insurance after a refusal. Protect your home with the right coverage. 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