A Microsoft framework for building cross-platform mobile apps using .NET and C# with native performance and user interfaces.
You can just check each field before you use them:
if (list.category_name != null && list.category_name.ToLower().Contains(searchBar.Text.ToLower())
|| list.sub_category_name != null && list.sub_category_name.ToLower().Contains(searchBar.Text.ToLower())
|| list.search_keyword != null && list.search_keyword.ToLower().Contains(searchBar.Text.ToLower()))
Or you could use the null-conditional operator if you prefer that:
if (list.category_name?.ToLower().Contains(searchBar.Text.ToLower() == true)
|| list.sub_category_name?.ToLower().Contains(searchBar.Text.ToLower() == true)
|| list.search_keyword?.ToLower().Contains(searchBar.Text.ToLower()) == true)