Non-Standard Personal Lines
by Cansure
Property Insurance
CA$ 1M
Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, Yukon
Yes
- Property Damage
- homeowners
- tenants
- condo owners
- hard-to-place property
Product Overview
Non-Standard Personal Lines by Cansure offers property damage coverage for personal habitational risks that fall outside standard market guidelines. It helps brokers place homeowners, tenants, condo owners, and other hard-to-place properties that need a practical option.
The product is a property insurance solution for non-standard dwellings across many provinces and territories in Canada. It is listed with a $0 deductible on eligible property damage coverage, which can support clients who prefer predictable out-of-pocket costs.
About Non-Standard Personal Lines by Cansure
Cansure focuses on unique and hard-to-place personal risks, including high value and semi- or un-protected homes that may not fit traditional underwriting rules. Non-Standard Personal Lines by Cansure sits within this broader habitational appetite and reflects the company’s experience with challenging placements.
Coverage is available exclusively through licensed P&C brokers who hold a contract with Cansure. Brokers can work with the company’s underwriting team and use the ‘Contact Underwriter for Quote’ tool on this page to move a risk forward.
Non-Standard Personal Lines by Cansure FAQs
What types of clients are a good fit for this non-standard personal lines product?
This program suits personal clients whose homes or living situations fall outside standard underwriting guidelines but still require straightforward property damage coverage. It is intended for risks in the listed provinces and territories, especially where unique property features, protection limitations, or prior coverage issues make standard markets hesitate.
How does Non-Standard Personal Lines by Cansure fit within Cansure’s broader personal lines offering?
Cansure already offers a broad personal lines suite, including hard-to-place personal risks, and other exposures that standard insurers may not cover well. Non-Standard Personal Lines by Cansure builds on that capability as a focused habitational solution, keeping the broker-only model and remaining available across listed Canadian provinces and territories such as Manitoba, Ontario, and Yukon.
Can this type of non-standard personal lines product respond to high value or semi-protected homes?
The company identifies high value and semi- or un-protected homes as part of its personal lines appetite, particularly where standard markets may not respond adequately. A non-standard habitational product like this Non-Standard Personal Lines by Cansure can therefore respond to dwellings whose value, protection level, or other characteristics do not align with typical home insurance requirements, subject to underwriting review.
Can a non-standard habitational product be used when a property has had multiple prior declinations from standard insurers?
Non-standard habitational products help when standard markets decline or restrict coverage because of internal rules rather than complete uninsurability. Where an exposure “may not be covered adequately by standard insurance companies,” a non-standard option offers another path for viable but challenging risks, again subject to underwriting assessment.
How does Non-Standard Personal Lines by Cansure support brokers handling hard-to-place homeowners and tenants?
Cansure’s personal lines team is familiar with unique, hard-to-place risks and provides coverage options for clients who do not fit standard market rules. The company distributes products only through contracted P&C brokers, who can quote, bind, and issue policies online or with underwriter support, giving a clear path to place difficult habitational accounts.
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