Home insurance and criminal record: what advice?

Home insurance and criminal record: what advice?
home insurance criminal record
Taking out home insurance with a criminal record is quite possible (credit: Pixabay)

In Canada, about 1 in 5 people have a criminal record. However, home insurance and criminal record do not mix well, we sometimes hear.

So, finding home insurance with a criminal record, is it that hard?

While it is true that home insurance companies classify the criminal record as a major risk factor, it is still possible to properly insure if you have a criminal record.

Summary

    Home insurance and criminal record: what impact?
    Home insurance and criminal record: should I mention it?
    Criminal record and home insurance: who to turn to?
    Home insurance and criminal record: what price to expect?
    What to do in the face of a home insurance refusal with a criminal record?
    Home insurance and criminal record en route: what are the consequences?
    Criminal record and home insurance: our 3 tips

Home insurance and criminal record: what impact?

Buying home insurance with a criminal record can sometimes be complicated. It should be noted that home insurance companies categorize having a criminal record as an aggravating risk factor. This explains why in the forms that some insurers make you fill out at the time of subscription, there is sometimes a question asking you if you have a criminal record.

Thus, taking out home insurance with a criminal record can result in a refusal or a very high premium with some insurers. But not necessarily all.
Home insurance and criminal record: should I mention it?

The answer is yes. Even if your broker or insurance company does not ask you to do so, it is your duty to mention your criminal record when purchasing home insurance - no matter what offense you may have been aware of.

Indeed, if you take out home insurance with a criminal record without having mentioned it beforehand, it is likely that the first disaster that will occur, the insurer will be released from all responsibility, arguing that he did not know the reality. of your situation. In this case, he may not pay you for the damages.

See why it is important to mention your criminal record when purchasing home insurance.

Are you wondering what are the 10 most frequently asked questions about home insurance in Quebec? Find them in our dedicated article.
Criminal record and home insurance: who to turn to?

Finding home insurance for someone with a criminal record can be difficult with “traditional” companies. However, there are companies and brokers specializing in the management of this type of file, and who allow you to take out home insurance with a criminal record.

If you would like a quote from our partner home insurance brokers, feel free to complete the questionnaire below. You will be contacted quickly with several quotes adapted to your situation.

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Home insurance and criminal record: what price to expect?

Buying home insurance for someone with a criminal record comes at a cost. Indeed, by considering the presence of a criminal record as an aggravating risk, insurers will automatically increase home insurance premiums for holders of a criminal record.

However, it is difficult to estimate the extent to which this increase in the home insurance premium applies, as it depends on a set of factors such as:

    The nature of the offense committed
    The recidivism character or not present in the criminal record
    The claimant's history of claims
    The age and sex of the applicant.

So, there is no other choice than to request a home insurance quote with a criminal record to find out the price.

To access our article on the average price of home insurance in Quebec, click here.
What to do in the face of a home insurance refusal with a criminal record?

It is never a pleasure to be refused home insurance when you have a criminal record. However, insurers have the right not to offer you a contract if they think the risk is too high. Thus, when faced with a home insurance refusal with a criminal record, do not give up, and instead turn to a specialized independent broker, who can,