At KBD, we help homeowners in Montreal and across Quebec get high risk home insurance when traditional insurers decline coverage. Our brokers work with specialized companies to secure high risk homeowners insurance for properties considered difficult to insure.
Find the best high risk home insurance rates in Quebec
KBD is a high risk home insurance broker in Montreal with 40+ years of experience in the Quebec market.
We help homeowners across the province find high risk house insurance coverage when they’ve been refused by standard insurers.
Comparing rates from Canada’s leading insurance companies
We insure home insurance clients who have or require:
Criminal record
Cancellation for non-payment
Out-of-province home insurance
Our clients say it best
See more than 500 5-star reviews onLeah N.
Shawn B.
Nathan T.
Brian B.
Call us to get your high risk home insurance quote in Quebec today
High risk home insurance in Quebec: Your questions answered
Can I still get high risk home insurance if I’ve been cancelled or declined?
Being cancelled or declined doesn’t necessarily mean you’re uninsurable. It can often mean standard insurers no longer fit your risk profile.
That’s where high risk home insurance comes in. These policies are designed for homeowners who may have been declined by traditional insurers but still need reliable protection.
Across Canada, specialized insurance companies focus on these specific situations.
As an insurance broker, KBD works with these companies to find you high risk homeowners insurance that works for your home and budget.
How can I lower the cost of high risk homeowners insurance?
While high risk homeowners insurance usually costs more than standard policies, there are ways to reduce your premiums over time.
Here are a few smart strategies for homeowners in Quebec:
- Upgrade major systems: Updating electrical wiring, plumbing, or roofing can significantly lower risk, and costs as a result.
- Install protective systems: Monitored alarms, fire protection, and water leak detection can help reduce insurance costs.
- Avoid frequent claims: Filing several small claims can increase future premiums.
- Maintain continuous insurance coverage: Gaps in insurance history can make coverage more expensive.
- Compare multiple insurers: Rates can vary widely between high risk homeowners insurance companies.
At KBD, we help you compare insurers across Canada to help ensure you’re not overpaying for high risk home insurance.
Why is my home considered high risk by insurance companies?
Insurance premiums are based on risk. When insurers believe the likelihood of a claim is higher than average, they may place the property in the high risk home insurance category.
Some of the most common reasons include:
- Older homes with outdated electrical or plumbing systems
- Multiple past insurance claims
- Vacant homes or homes under renovation
- Poor property maintenance
- Previous insurance cancellations
The good news is that many of these risks can be improved over time.
Once they are addressed, homeowners may qualify again for standard homeowners insurance, which often comes at a lower rate.
How can I find the best high risk home insurance options in Quebec?
The biggest mistake homeowners make is only checking one insurer.
Many standard insurers avoid higher-risk properties, but specialized insurers focus on them.
Comparing multiple companies is often the fastest way to find affordable high risk house insurance.
Here’s how to improve your chances of finding the right coverage at a reasonable price:
- Compare multiple insurers at once
- Work with a broker who understands high risk home insurance markets – we can help with that!
- Be transparent about claims or cancellation history
- Ask what improvements could qualify you for standard home insurance in Quebec
At KBD, we help homeowners compare policies from several companies so that you can secure the coverage you need, even if other companies have declined you.
Just like drivers shop around for the cheapest insurance options available, homeowners can often lower their premiums by doing the same.
Can I still get high risk home insurance if I’ve been cancelled or declined?
Being cancelled or declined doesn’t necessarily mean you’re uninsurable. It can often mean standard insurers no longer fit your risk profile.
That’s where high risk home insurance comes in. These policies are designed for homeowners who may have been declined by traditional insurers but still need reliable protection.
Across Canada, specialized insurance companies focus on these specific situations.
As an insurance broker, KBD works with these companies to find you high risk homeowners insurance that works for your home and budget.
Why is my home considered high risk by insurance companies?
Insurance premiums are based on risk. When insurers believe the likelihood of a claim is higher than average, they may place the property in the high risk home insurance category.
Some of the most common reasons include:
- Older homes with outdated electrical or plumbing systems
- Multiple past insurance claims
- Vacant homes or homes under renovation
- Poor property maintenance
- Previous insurance cancellations
The good news is that many of these risks can be improved over time.
Once they are addressed, homeowners may qualify again for standard homeowners insurance, which often comes at a lower rate.
How can I lower the cost of high risk homeowners insurance?
While high risk homeowners insurance usually costs more than standard policies, there are ways to reduce your premiums over time.
Here are a few smart strategies for homeowners in Quebec:
- Upgrade major systems: Updating electrical wiring, plumbing, or roofing can significantly lower risk, and costs as a result.
- Install protective systems: Monitored alarms, fire protection, and water leak detection can help reduce insurance costs.
- Avoid frequent claims: Filing several small claims can increase future premiums.
- Maintain continuous insurance coverage: Gaps in insurance history can make coverage more expensive.
- Compare multiple insurers: Rates can vary widely between high risk homeowners insurance companies.
At KBD, we help you compare insurers across Canada to help ensure you’re not overpaying for high risk home insurance.
How can I find the best high risk home insurance options in Quebec?
The biggest mistake homeowners make is only checking one insurer.
Many standard insurers avoid higher-risk properties, but specialized insurers focus on them.
Comparing multiple companies is often the fastest way to find affordable high risk house insurance.
Here’s how to improve your chances of finding the right coverage at a reasonable price:
- Compare multiple insurers at once
- Work with a broker who understands high risk home insurance markets – we can help with that!
- Be transparent about claims or cancellation history
- Ask what improvements could qualify you for standard home insurance in Quebec
At KBD, we help homeowners compare policies from several companies so that you can secure the coverage you need, even if other companies have declined you.
Just like drivers shop around for the cheapest insurance options available, homeowners can often lower their premiums by doing the same.