Home insurance: You could save with belairdirect

Whether you own a home or rent one, having the right home insurance coverage is essential for protecting your property, your possessions and your finances. With belairdirect, you can get the coverage you need at a price you can afford.

Why choose belairdirect for your home insurance needs?

Get the best home insurance coverage for your home and your belongings. Whether you're a tenant, a condo owner or a homeowner, you can find the belairdirect home insurance that meets your needs. We offer house insurance in Ontario, Québec, Alberta, and British Columbia, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador.

  • Get the coverage that fits your lifestyle:
    We offer a range of coverage options to suit your needs, including coverage for homeowners, condo owners and renters.

  • Get your home insurance quote in a few clicks:
    Our online quote process is quick, easy, and hassle-free. In just a few clicks, you can get a personalized quote for your home insurance policy.

  • Save money with our discounts and benefits:
    We offer a variety of discounts and benefits to help you save money on your home insurance policy, including bundle discounts, loyalty rewards and more. learn more about how to save on insurance.

Types of homes we insure

No matter what type of home you live in, belairdirect can offer you the insurance options and the discounts you need to stay protected while putting money back into your pocket. Take advantage of our bundles, discounts and benefits for every kind of home.

Home insurance

Whether you live in a duplex, a triplex or a detached home you need to protect your dwelling and personal belongings. We offer homeowners insurance quotes.

Condo insurance

Choose the right protection for your condo and find residential insurance to protect your unit and personal belongings from costly damage.

Tenant's insurance

Insurance is not just for homeowners. Tenant's insurance protects your belongings and provide additional coverage for living expenses. From apartments to rented houses, get a tenant's insurance quote and stay covered!

What type of residential insurance
do you need?

If you're a homeowner or the owner of a condo unit, you'll want to protect the structure of the home, as it is legally your property. If ever your home or condo were to be damaged, you could avoid paying out-of-pocket with the right protection in place.

But different types of houses and condos require unique coverage too. Not only does home insurance cover the structure of your own home, but it can also provide coverage that protects you from paying for accidental damage to a neighbour's property.

This is especially important for condo owners, as the units are often built close together and in proximity to common areas of a condo building. Water damage or fire damage can easily spread from one condo unit to another.

Standard CoverageLiability InsuranceFind coverage that suits your needs

There are two types of standard coverage for your home. Choose the standard coverage that best meets your needs.

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'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.

Designated Property DamageCoverage options

Designated Property Damage coverage includes these main risks:

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
  • Fire, lightning, explosion and smoke
  • Certain types of water damage that start inside your home
  • Hail and windstorms
  • Impact from a vehicle or aircraft
  • Impact by objects (as long as they're not waterborne)
  • Damage to goods while they're being transported
  • Weight of snow, ice or sleet
  • Collapse of your home or any part of it

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.

Property damage

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.

All-Risk

All Risk coverage includes the risks outlined in our Designated Property Damage coverage plus these extra things :

  • 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)

belairdirect offers an All risks coverage. All risks is the most comprehensive policy because it 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
  • Fire, lightning, explosion, and smoke
  • Certain types of water damage that start inside your home
  • Hail and windstorms
  • Impact from a vehicle or aircraft
  • Impact by objects (as long as they’re not waterborne)
  • Damage to goods while they’re being transported
  • Weight of snow, ice or sleet


Condominium insurance

Your needs may be better served by Condominium Insurance. Speak to one of our agents and find the right coverage for you.

Tenant’s insurance

You may think you don’t need insurance at all, but imagine the cost of replacing everything you own. Get proper coverage for liability and your personal belongings with affordable Tenant’s Insurance.

Your coverage

The belairdirect Homeowners Comprehensive policy covers your home against:

The Homeowners Comprehensive policy through belairdirect covers your home against:

  • Fire or Lightning
  • Explosion
  • Smoke damage
  • Vandalism or Malicious acts
  • Water damage*
  • Windstorm or Hail
  • Glass breakage
  • Theft
  • 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.

Additional events may also be included. Contact us for details.

There’s more to home insurance than insuring the four walls and the roof. It’s the fence and the garage, 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.)
  • Detached structures (detached garage, shed, fence, etc.)
  • Personal property (furniture, appliances, electronics, clothes, etc.)***
  • Loss of use of your home (cost of accommodation, food, transportation if your home is unfit for occupancy or if you have to move)
  • Personal liability (protection against being sued for injury to someone or property damage)

***Valuables, collections and certain items may have coverage limits and specific dollar limits.

More coverage

  • Lock repair and replacement, if your keys are stolen
  • Debris removal
  • Spoiled food in your freezer
  • Fire department charges and more

There are still more reasons to choose belairdirect for your home insurance needs:

  • Minimum of $1,000,000 worldwide personal liability coverage
  • No deductible for claims over $100,000
  • Replacement cost on personal property—have your personal property repaired or replaced with new articles without deducting for depreciation.

Condominium insurance

Your needs may be better served by Condominium Insurance. Speak to one of our agents and find the right coverage for you.

Tenant's insurance

You may think you don’t need insurance at all, but imagine the cost of replacing everything you own. Get proper coverage for liability and your personal belongings with affordable Tenants Insurance.

Liability Insurance

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:

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.

Property damage

These are voluntary property damage payments for damage done unintentionally to someone else's  property. 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.

Optional CoverageExtras to consider

Customize your policy by adding optional packages that cover more than just the basics.

Your home insurance needs may go beyond our standard Homeowners Comprehensive policy. Get extra protection for just a few dollars a month.

Home Claim Forgiveness

Protect yourself against a premium increase resulting from your first claim in a period of 10 years 6 years5 years. Your premium is protected as long as you are a client with belairdirect.

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 ten (10)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 1035 uninterrupted years of experience with insurance.

*Certain conditions, limitations and exclusions apply.

Enhanced Water Damage Package

By adding this additional coverage to your home, condo or tenant insurance policy, you'll be protected if water from an external source suddenly and accidentally begins seeping into your unit due to an event like rain, snow or leaks.

Earthquake

This optional coverage protects against loss or damage caused directly by an earthquake, but not against the damages that happen after the earthquake.

S.O.S. Identity: The identity theft insurance protection

Get peace of mind knowing that your identity is protected if someone tries to use your personal information. With S.O.S. Identity, belairdirect can help you get your identity back if ever it gets stolen.

Our service will provide you with information and legal advice so that you can rest easy and get back to your everyday routine.

We’ve also updated our home insurance contracts, making work from home an acceptable business use of your premises.

Work from home means work of an office nature undertaken by you, as an employee, remotely from your residence instead of an employer’s office, whether on a full-time or occasional basis.

See what identity theft services are offered in your province. Get a quick, online home insurance quote now for the peace of mind that you deserve.

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, there is the Enhanced Water Damage Package which includes Sewer Backup, Water and Sewer lines, and (if eligible) Overland and Ground water coverage.

For Condominium and Tenants packages, there is the Enhanced Water Damage Package  which includes Sewer Backup and (if eligible) Overland Water coverage.

Fire, Explosion, Smoke Post-Earthquake

With this optional coverage, you're protected against damage caused by fire, explosion or smoke following an earthquake.

Above-Ground Pools

If you’ve got an above-ground pool, semi-in ground pool, techno-wood pool or an inflatable pool, our Above-Ground Pools coverage protects it and the equipment you use to maintain it.

Water Service Pipe

This covers up to $10,000 of damage caused by a broken water service pipe. It also covers the cost of a replacement pipe.

Water Damage (Exterior, Above-Ground Source)

With this coverage, your home will be protected if water suddenly and accidentally seeps into your home because of external events like rain and snow, leaks, or overflowing eavestrough.

Escape of Residential Fuel Oil

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.

S.O.S. Identity: The identity theft insurance protection

Get peace of mind knowing that your identity is protected if someone tries to use your personal information . With S.O.S. Identity, belairdirect can help you get your identity back if ever it gets stolen.

Our service will provide you with information and legal advice so that you can rest easy and get back to your everyday routine.

We’ve also updated our home insurance contracts, making work from home an acceptable business use of your premises.

Work from home means work of an office nature undertaken by you, as an employee, remotely from your residence instead of an employer’s office, whether on a full-time or occasional basis.

See what identity theft services are offered in your province. Get a quick, online home insurance quote now for the peace of mind that you deserve.

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 Condominium and Tenants packages, there is the Enhanced Water Damage Package which includes Sewer Backup, Water and Sewer lines, and (if eligible) Overland and Ground water coverage.

Watercraft Coverage

We can increase the policy limits on most watercraft up to 26 feet in length. We do not insure high performance vessels or watercraft equipped with jet water propulsion systems.

Earthquake Endorsement

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.

Free extras

Why not get more than the standard coverage you pay for? Get home insurance through belairdirect and receive 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.

How to save on home insurance

Here a few tips to help you lower the cost on home insurance products.

  • Bundle car and home insurance to save money
    Try to bundle your car insurance together with insurance for your home using the same insurance company.Learn more about car and home insurance bundles

  • Agree to a credit check
    A good credit score can bring down your premium and shows the insurance company that you have a good repayment history. The higher your credit score, the lower your rates.

  • Winterproof your home
    Check to see that your home’s heating and plumbing are adequate before a pipe freezes and causes it to burst.

  • Keep up to date on renovations
    Maintain your roof, plumbing and electrical system up to date and let your insurance company know about it.

  • Install a home alarm system.
    A central monitor alarm system can reduce the risk of fire and theft.

  • Consider the age of the home you're thinking of buying
    Insurance companies consider newer homes less risky as they generally have less issues than older homes.

  • Review your coverage options
    Make sure you're not paying more than you should for coverage you don't need.

Ready to compare your current premium or get new home insurance coverage?

Whether you're looking for a tenant insurance in Toronto or a home insurance in Ottawa, belairdirect has the coverage you need.

Ready to compare your current premium or get new home insurance coverage?

Frequently asked questions about home insurance

It covers the expenses that come up if something unexpected happens to your home and your belongings, like a fire or a break-in. It's also there to protect you if you accidentally hurt someone or damage someone else's property anywhere in the world. A standard option offers the bare minimum of protection, and adding enhanced coverage can give you additional peace of mind.

When your lifestyle and needs change, take the time to review what is included in your insurance policy. Even a new vehicle can factor in if you’re bundling home and auto insurance.

Regularly reviewing your insurance contract is the best way to make sure that you're keeping your home protected from covered losses.

Home insurance companies will use many factors to calculate your premium. Some of these factors include:

  • The price of the home
  • The age and condition of the home
  • The cost to rebuild the home.
  • The home's location
  • The value of the contents and property within your home
  • The deductible amount you’ll need to pay to make a claim.
  • Your credit history (for some provinces)
  • Any discounts you could be eligible for
  • Start an online quote today and find out how much you could save!

Talk with an insurance agent to see what discounts you might be eligible for and get a home insurance quote today!

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