Home insurance protects the structure of your house, your belongings and your personal liability. In Canada, water damage is now one of the most common and costly claim types, and standard policies do not automatically include sewer backup or overland flood. Instasure explains the endorsements that matter in your province and connects you with a licensed advisor to compare insurers.
Home, condo & tenant
9 min read
Updated Oct 12, 2026
High-Risk Home Insurance: Why Homes Get Declined and Who Insures Them
High-risk home insurance covers homes that standard insurers decline or won't renew, usually because of past claims, older wiring or heating, vacancy, flood exposure or how the home is used. Here are the 10 common reasons, what insurers ask for and the fixes that reopen standard markets.
Read guide arrow_forward
