Everything you need to know about buying insurance in Toronto

If you live or drive in Toronto, belairdirect has the insurance coverage you need

No matter if you live in downtown Toronto or commute by car from the suburbs or outside the city, belairdirect has the car insurance and home insurance coverage that fits your lifestyle needs.

From renting an apartment to owning a condo to insuring several cars, get peace of mind knowing that you’re covered from unforeseen events.

Driving and commuting in Toronto

If you own a car and live in Toronto, you likely take the 401, the 427, or even the F.G. Gardiner Expressway on a regular basis to get downtown or commute nearby. Maybe you live in nearby Mississauga or Brampton and drive into the city or around Toronto for work.

If you commute using your car, auto insurance coverage from belairdirect might be a good option for you. With belairdirect, you’ll find the right coverage that keeps you protected while on the road, no matter where you drive in Toronto.

  • The number of cars on the road in Toronto: Over 1.5 million registered vehicles
    In regular traffic, the average driver in Toronto spends 68 minutes getting to work. This is due to the large number of vehicles on the road and the fact that the 401 is the busiest highway in North America.

  • Drive safely in Toronto and save with automerit
    When you sign up for automerit, you could save up to 25% on your car insurance in Toronto when you drive safely.

    You’ll also be able to:

    • Get a 10% enrolment discount by signing up for the program.
    • See your premium adjusted based on your time spent on the road.

    Sign up for automerit today and see how much your safe driving habits could be saving.

  • Auto theft in Toronto
    Every year, approximately 5,000 cars are stolen in the Toronto area. Compared to the national average, this makes Toronto’s crime rate higher when compared to the rest of Canada. However, this is also due to the larger population and having more cars on the road.

  • The most commonly stolen type of vehicle model in Toronto is the:
    2017 Lexus RX350/RX450h four-door with all-wheel drive, according to the Insurance Bureau of Canada.

Get a car insurance quote in Toronto

Living in Toronto

In Toronto, most people within the city limits have chosen to either rent an apartment, or they’ve purchased a condo. No matter what living arrangement you’ve chosen, there’s home insurance coverage and tenant insurance that fits your lifestyle.

  • There are over 2.93 million people who live in Toronto
    Toronto currently has a population of close to 3 million residents within its metropolitan area.

  • Things to consider when shopping for home insurance in Toronto:

    • Home prices in Toronto are some of the most expensive in Canada. The real estate market in Toronto over the last few years has been red-hot. The result: An average home value that is steeper than any other part of Ontario. Your insurance will need to be adjusted to cover a total loss.
    • Because of the cold weather conditions and the proximity of Lake Ontario, homeowners in Toronto need to consider potential damages that could be caused by extreme cold.
  • With home insurance from belairdirect, you could cover the cost of:

    • Damage from fire, smoke damage, lightning, and explosions.
    • Certain types of water damage that start from inside your home.
    • Theft, including the damage caused by attempted theft. With such a large population, Toronto naturally has a naturally higher crime rate than smaller cities in Ontario.
    • Damage caused by weather events.
    • Impact from aircraft or vehicles.
    • Impact stemming from non-waterborne objects.
    • Damage to goods you own while they're being transported.
    • Damage caused by the weight of snow, ice, or sleet. In Toronto, winters can be very cold and the proximity of Lake Ontario can exacerbate cold weather conditions.
    • Reimbursement of medical payments and related expenses.
    • Expenses related to lawsuits.
    • Covered property damage.

    Talk to an insurance agent if you have questions regarding what’s included in your home insurance policy.

    belairdirect offers you home insurance that fits your lifestyle in Toronto and gives you peace of mind.

    Get a homeowners insurance quote from belairdirect today.

  • Owning a home or condo in Toronto
    Over 55% of Toronto residents own a home or condo.

    Over 20,000 new condo units are expected to be constructed in 2021 within the city of Toronto.

  • Renting an apartment in Toronto
    47% of Toronto residents are renters. Even if you’re not the owner, the house or apartment you rent is still the place you call home. It’s important that you protect yourself from unforeseen circumstances. belairdirect offers you tenant insurance coverage that fits your lifestyle in Toronto and gives you peace of mind.

    With belairdirect, you could be covered for:

    • Damage or theft to your personal property
    • Compensation for additional living expenses
    • Personal liability if someone gets hurt or injured

    Protect yourself and get a tenant insurance quote for your rented property in Toronto.

  • Save on car and home insurance in Toronto by bundling your coverage
    By bundling your insurance with belairdirect in Toronto, you could save up to 5% on your home insurance and up to 15% on car insurance.

    You’ll also have the advantage of dealing with only one insurance company for all your insurance coverage needs.

    Get a bundled insurance quote from belairdirect.

You deserve better when it comes to insurance. With the belairdirect advantage, you get:

  • A car or home insurance quote in as little as 3 mins
  • Personalized pricing and discounts
  • Access to digital tools that let you control your coverage
  • A chance to save even more by driving safely with automerit
  • Online resources to find answers and information quickly on your own
  • 24/7 claims support
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