At ClicAssure, we understand that everyone deserves proper protection, even if your profile does not fit the “standard” criteria used by traditional insurers. If your home insurance application has been refused or if your premiums are high because of your history, there are solutions available that fit your reality.
ClicAssure has a large network of partners specialized in non-standard home insurance who can find affordable solutions tailored to your situation.
Traditional insurers are often reluctant to insure profiles considered too high-risk. If you fall into this category, you are not alone.
Here are the common factors insurers review when classifying someone as "non-standard" or "high-risk":
Whatever the reason, we have options for you. Our specialized network looks beyond these factors and evaluates your situation as a whole.
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*Permissions:
I authorize ClicAssure to collect and share my personal information with some of its business partners who may provide me with an insurance quote. I also authorize ClicAssure and its partners to contact me by email, text, phone, or mail to respond to my request or finalize my quote.
I also consent to ClicAssure and its partners collecting, using, sharing, and retaining my personal information for the purposes of:
• Creating and updating my profile;
• Assessing the products and services they can offer me;
• Obtaining my feedback on my interactions with them or on their products and services;
• Conducting studies and creating statistical models;
• Providing me with personalized recommendations;
• Fulfilling their legal obligations.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
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of average savings on your Home insurance **
** Based on people who have completed an Auto or Home Quote Request via ClicAssure.com and have entered into an insurance contract with a partner
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In a difficult market, you need an advantage. ClicAssure gives you that advantage by providing access to insurers who are nearly impossible to find through a traditional search.
Don’t let your history prevent you from securing essential home protection.
Generally, premiums can be higher due to the perceived risk. However, costs vary greatly between specialized insurers. This is why using the ClicAssure comparison platform is essential: we put insurers in competition to find you the best possible offer despite your situation.
Our goal is to find you a solution. ClicAssure connects you with insurers specializing in non-standard risks. In extremely complex cases, the number of quotes may be limited, but you will always be matched with the expert most likely to offer you coverage.
No, this is not a permanent obstacle. Although a cancellation is a red flag for insurers, our specialized partners can offer you coverage after reviewing the reasons and circumstances behind the cancellation. This is exactly the purpose of non-standard insurance. Furthermore, by maintaining a good profile moving forward, you may eventually return to a standard risk category and benefit from lower home insurance premiums.
Non-standard insurance offers the same basic coverage as a regular policy: protection for the building, personal belongings, and civil liability. However, the insurer may impose specific conditions such as a higher deductible or particular exclusions.
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