Your home is your sanctuary. Keep it that way. You deserve the peace of mind that comes with knowing that the people you love and the things you cherish will be taken care of if anything beyond your control were to happen. Whether you're a tenant, a condo owner or a homeowner, you can start with our standard coverage and then customize your options to best suit your unique needs. you can customize your coverage to best suit your needs.
For homeowners Quicker and simpler, get the right coverage to protect your homeRest easy knowing you have the right homeowners coverage.
Your home insurance doesn’t just cover the place you live and the things you own, it also protects you, everywhere you go in the world.
That’s because your belairdirect home insurance has two parts to it: one part that covers damage to your property because of things like fire, theft or vandalism, and another part that covers you in case someone is hurt or their property is damaged.
belairdirect’s home insurance has two parts: one part that covers damage to your property caused by things like fire, theft or vandalism, and another part that covers you in case someone is hurt or their property is damaged.
Home insurance through belairdirect has two parts: one part that covers damage to your property caused by things like fire, theft or vandalism, and Liability coverage to protect you if you accidentally injure someone or cause property damage.
Every package through belairdirect includes :
Liability Insurance up to $2 Million that covers you anywhere in the world! We will also defend lawsuits brought against you alleging negligence on your part.
Off Premise Coverage – Coverage that insure your personal property while temporarily away from your premises. Personal property of students who are temporarily away attending college or university is also included up to the limit of your personal property coverage.
There are two types of standard coverage for your home. Choose the standard coverage that best meets your needs.
Type 1: Designated Property Damage Risk
You can choose from two types of coverage with belairdirect: the first is Designated Property Damage coverage, and the second is All Risk coverage, a more comprehensive coverage that covers almost all risks.
Designated Property Damage coverage includes these main risks:
Theft, including the damage caused by attempted theft
All Risk coverage includes the risks outlined in our Designated Property Damage coverage plus these extra things :
All risks coverage protects you for any risk that is not specifically excluded by your policy. It is the most comprehensive policy we offer and has broader coverage than the Named Perils policy. Some of the additional coverage included would be:
Loss of your personal property (like if you lose your laptop while you’re on vacation)
Accidental breakage of your personal property (like if you drop your camera and it breaks when it hits the floor)
Whether you have tenant, condo or homeowner insurance, your coverage includes Personal Liability. You can rest easy knowing you're covered for unexpected expenses that come up if someone is accidentally hurt or someone else's property is damaged because of something you did or something that happened in your home. These expenses could include:
belairdirect offers two types of coverage: All risks and Named perils. Although both coverages protect you from the risks listed below, All risks is the most comprehensive policy because it also offers you Mysterious Disappearance Loss (for instance, if you lose your $5,000 diamond ring while at a party) and higher Special Limits coverage for items like jewelry, watches, gems and furs:
Theft, including the damage caused by attempted theft
Both homeowners and tenants can choose from either All risks or Named perils coverage. For condo owners, we only offer the All risks policy.
Lawsuits (up to the maximum amount of insurance)
This covers things like your defence, settlements and other related payments.
Medical payments and expenses
These are voluntary medical payments up to $5,000 that happen within a year to cover surgery, dental work, hospital stays, nursing care, ambulance service or funeral expenses.
These are voluntary property damage payments for damage done unintentionally to someone else's property (for example, if there's a fire in your home and the flames damage your neighbour's home). This coverage can come in handy in certain situations, such as if there's a fire in your home and the flames damage your neighbour's home or if while working on your shed, you accidentally damage your neighbor’s fence.
And you've got the peace of mind that comes with knowing that Liability coverage follows you anywhere you go in the world.
Customize your policy by adding optional packages that cover more than just the basics.
Home Claim Forgiveness
Protect yourself against a premium increase resulting from your first claim in a period of 6 years. Your premium is protected as long as you are a client with belairdirect.
Identity theft is a very real threat. Rest assured that with belairdirect's SOS Identity® you have access to assistance 24/7 and you're covered up to $25,000 per policy year for eligible identity restoration expenses.
If you have an oil tank as part of your heating system, this option will protect your home against damages to your property and surrounding soil caused by fuel oil escaping.
The standard Homeowners Comprehensive policy through belairdirect covers your home against:
The belairdirect Homeowners Comprehensive policy covers your home against:
The Homeowners Comprehensive policy through belairdirect covers your home against:
Fire or Lightning
Vandalism or Malicious acts
Windstorm or Hail
Collapse, including weight of ice, snow and sleet
Fuel oil escape
* Coverage for sewer backup, water and sewer lines, overland water and ground water are excluded but optional coverage may be purchased. Please discuss the deductible and limit options available with your licensed Agent.
** Please discuss the deductible and limit options available with your licensed Agent.
There’s more to home insurance than insuring the four walls and the roof. It’s the fence and the garage, plus the risk of getting sued too. The standard Comprehensive Homeowners Policy through belairdirect was designed to cover these and more: and protection against the risk of getting sued. The belairdirect Comprehensive Homeowners Policy was designed to cover these and more:
Dwelling building (the physical structure of your home)
Attached structures (attached garage, carport, outdoor pool, hot tub, etc.)
Please read carefully the non-exhaustive list of the eligibility criteria below to make sure there’s nothing stopping you from getting this additional coverage.
You need to be claims free for the previous five (5) years preceding the addition of this endorsement to your home insurance policy.
You need to be the homeowner of the principal home.
You need to have at least 5 uninterrupted years of experience with insurance.
*Certain conditions, limitations and exclusions apply.
My Name® Identity Theft Assistance Plus
It takes a thief only a few hours to assume your identity—but it can take you several months, even years, to restore your good name. With more and more ways to steal your identity, My Name® Identity Theft Assistance Plus provides protection that is needed more than ever. Simply call us at 1.877.220.60681.877.220.6069 to help restore your identity, get legal information and arrange expense reimbursement.
Sewer and Water Backup and Escape Endorsement
This endorsement provides coverage for Sewer and Water Backup and Escape from a sewer, storm drain, drain, sump, septic tank, septic field, or a holding tank. Please discuss this coverage with your Licensed Advisor to review your coverage limit and deductible options.
For homeowners package only, there is the Enhanced Water Damage Package which includes Sewer Backup, Water and Sewer lines, and (if eligible) Overland and Ground water coverage.
We can increase the policy limits on most watercraft up to 40 feet in length. We do not insure high performance vessels or watercraft equipped with jet water propulsion systems.
The Earthquake Endorsement provides coverage for damage to your building and contents resulting directly or indirectly from an earthquake or its aftershocks. This coverage is for clients who are concerned that their home and contents may sustain damage as a result of ‘shake damage’. Earthquake coverage is subject to limits and a deductible Please discuss your coverage options with your Licensed Advisor.
Fire and Explosion following an Earthquake are included with all policies, whether or not the Earthquake Extension is purchased.
Increased coverage amounts on property with specific limits:
You can purchase increased limits of coverage on some items such as bicycles, jewellery, furs, business property, and coin, stamp, and sport card collections.
For certain Home businesses an endorsement may be added which provides: business liability coverage for bodily injury or property damage.
Sewer backup coverage
Combine your city or municipality’s aging infrastructure with increasingly extreme weather conditions and sewer backup protection makes sense. Protect yourself against expenses for cleanup and repairs after sewer backup water damage.
You take pride in your home, both inside and out. Protect your garden paradise. MY GARDEN® protects your trees, shrubs, plants, lawn and other landscaping elements such as rocks, ponds and patios. It also provides additional coverage for design fees and expenses associated with creating your garden.
Personal Umbrella Coverage
The Personal Umbrella Coverage through belairdirect protects you with worldwide legal liability insurance over and above your auto and home insurance policies if you're sued for causing bodily injury or property damage, defamation of character, libel or slander.
Why not get more than the standard coverage you pay for? GetBuy home insurance through belairdirect and receiveget these extras for free.
Flexible Payment Options – Choose your monthly payment date or ask about our no fee payment option.
24/7 Claims Service – Receive fast, reliable assistance from a live claims representative 24 hours a day, 7 days a week.
Single Amount of Insurance: For Homeowners Broad and Comprehensive forms, this provides a single amount of insurance. It is the sum of the amounts shown on the Coverage summary page for Dwelling Building, Additional Buildings, Personal Property and Loss of Use of Your Dwelling. This is the maximum amount we will pay for insured loss or damage in any one occurrence (unless stated otherwise).
Let belairdirect take care of your insurance needs
Insure all the things you value through belairdirect and enjoy the convenience and efficiency of dealing with one company.
*Sewer backup coverage is excluded but specific coverage can be purchased.Coverage for sewer backup, water and sewer lines, overland water and ground water are excluded but optional coverage may be purchased.
**Valuables, collections and certain items may have coverage limits and specific dollar limits.
This is an overview of some of the benefits for which you may be eligible and is for informational purposes only. Some conditions, limitations, and exclusions may apply. Please refer to your Homeowners Insurance Policy, or contact us for full details of the coverage.