Home insurance in Canada

Looking for home insurance in Canada? You’re in the right place!
Get great deals on home insurance and a simplified online experience with belairdirect.

Home insurance doesn’t have to be complicated

Types of homes we insure

Home insurance

Whether you're in a duplex, triplex, or a detached home, it's important to protect your space and belongings. Learn more about the coverage you need and get a quick home insurance quote.

House insurance

Condo insurance

Choosing the right coverage for your condo is crucial to protect your unit and personal belongings from unexpected damage. Get a personalized quote for your condo and explore your coverage options. 

Condo insurance

Tenant insurance

Renting? We've got you covered too! From electronics to personal valuables, tenant insurance makes sure your prized possessions are protected. Whether you're living in an apartment or rented house, check out the coverage options and get a tenant’s insurance quote in minutes.

Tenant insurance

Assembling furniture may be tricky, but your home insurance doesn’t have to be! We offer home insurance in Ontario, Québec, Alberta, British Columbia, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador. Buying home insurance online is easier than ever, and if you ever need to make a claim, we're here for you 24/7. Whether you're a tenant, a condo owner, or a homeowner, you can find great prices and the coverage that fits your needs with belairdirect.

What does home insurance cover?

As a homeowner, it’s important to protect the structure of your home to save the hassle of paying hefty repair expenses out-of-pocket if your home gets damaged. As well as protecting your own home, home insurance can also cover you for accidental damage to someone else's property, cover your personal belongings or pay for additional living expenses you might have while your home is being repaired after an incident. You can also customize your home insurance with additional coverage to protect you from water damage, identity theft, earthquakes, and more!

Standard home insurance coverage

Standard

Building protection

Pays to repair or rebuild your home if it's damaged or destroyed, including its attached and outdoor structures, like a garage, porch, fence, carport, etc.

Standard

Other structures protection

Pays to repair or rebuild damaged or destroyed structures on your property not physically connected to your home, like a detached garage, storage shed, etc.

Standard

Personal belongings protection

Pays to repair or replace damaged or stolen furniture, clothing, electronics, appliances, or any other item usually located in your home.

Standard

Additional living expenses

Pays for the increase of certain living expenses when you're unable to stay in your home during repairs when it's too damaged to live in.

Standard

Property damage and injury protection

Covers your defence costs and any damages or losses (indemnity) when you're legally obligated to pay for accidentally injuring someone or unintentionally damaging their property.

Standard

Interior water damage protection

Pays to repair your home and personal belongings after accidental water damage, like a burst pipe, overflowing sink, etc.

Optional home insurance coverage

Enhanced water damage package


Between your municipality’s aging infrastructure and increasingly extreme weather conditions, water damage has become a growing concern for homeowners everywhere. Protect yourself from cleanup expenses and repairs caused by water damage with the optional Enhanced Water Damage Package.

Optional

Enhanced water damage package - sewer backup

Pays to repair water damage to your home and personal belongings caused by a backed-up sewer or septic system.

Optional

Sewer and ground water protection

Pays to repair damage to your home and personal belongings from a backed-up sewer, excessive rain, snow or melting snow that leaks into your home.

Optional

Flood, sewer and ground water protection

Pays to repair damage to your home and personal belongings from a flood, backed-up sewer, rain, snow or melting snow that leaks into your home.

Optional

Above ground water protection

Pays to repair water damage to your home and personal belongings caused by rain, melting snow or ice.

Optional

Water service line protection

Covers the cost to remove and repair a damaged private water service pipe connected to your home from the city water main.

Optional

Enhanced water damage package - water and sewer lines

Offers several options to expand your protection in case of an accident.

Pays to repair or replace broken exterior sewer or water service lines on your property.

Optional

Enhanced water damage package - overland water

Pays to repair damage to your home and personal belongings caused by a flood.

Optional

Enhanced water damage package - ground water

Pays to repair damage to your home and personal belongings caused by water entering your home through basement walls, floors or the foundation.

Additional home insurance coverage

Additional

Severe weather water damage protection

Pays to repair water damage to your home and personal belongings caused by severe winds or a hailstorm.

Additional

Wind damage protection

Pays to repair damage to your home and personal belongings caused by severe winds.

Additional

Hail damage protection

Pays to repair damage to your home and personal belongings caused by a hailstorm.

Additional

S.O.S. Identity®

Covers certain fees and expenses to help restore your identity if it gets stolen.

Additional

Earthquake protection

Pays for damage to your home and personal belongings caused by an earthquake.

Additional

Fire after earthquake protection

Pays for damage to your home and personal belongings caused by fire, smoke or an explosion after an earthquake.

Additional

Home claim forgiveness

Prevents your price from increasing because of your first home insurance claim.

Additional

Home rental protection

Protects your home if you rent it to guests for more than 30 days a year.

Get home insurance coverage in a few easy steps 

Buying home insurance online has never been easier with belairdirect!

  • 1 Get a quick quote Get your home insurance quote in a flash by doing it online. You don’t even have to talk on the phone!
  • 2 Buy the coverage you need Customize your home insurance coverage to fit your needs and your budget, and then buy online instantly.
  • 3 Manage your home insurance online Manage your home insurance and submit claims online or on the belairdirect app, 24/7.

How to save on home insurance in Canada

Here a few tips to help you save money on your home insurance:

Bundle car and home insurance to save money

Try to bundle your car and home insurance together with the same insurance company – you can save both time and money!

Group discount

It pays to be a member! You could get exclusive savings on home insurance as a member of an eligible group with belairdirect.

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.

Home insurance discounts available in Canada

Bundle Car + Home

You can save up to 25%15%10%15% on your home insurance when you combine both policies!

Group discount

It pays to be a member! You could get exclusive savings on home insurance as a member of an eligible group with belairdirect.

belairdirect mobile application

Tap into simplified home insurance with the belairdirect app.

Get instant access to your home insurance wherever you are. Managing your home insurance policy and submitting a claim has never been this quick and easy!

Learn more about the belairdirect mobile app

Frequently asked questions (FAQs) about
home insurance in Canada

While home insurance is not legally mandatory in Canada, it’s definitely smart to have it! Most mortgage lenders will require proof of a home insurance policy as a condition of the loan to protect their investment. And even if you own your property outright, home insurance can protect you from financial loss from events like fire, theft, or water damage. So, while it's not legally required, making sure you’re covered with home insurance a wise choice.

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!

A home insurance deductible is the amount you must pay out-of-pocket on a home insurance claim before your insurance company covers the costs. For example, if your deductible is $500 and you have a $2000 claim, you would pay the first $500 and your insurance would pay the remaining $1500.

Deductibles can vary, and choosing a higher deductible can often be a great way to lower your insurance premium. It's important to choose a deductible that fits your financial situation – it's all about what works best for you!

Contents insurance is a type of home insurance coverage that protects your personal belongings. It helps you to pay the repair or replacement costs for damaged or stolen items that are usually located in your home. It can also cover your possessions while they are outside your home, for example if you’re travelling the world with your trusty camera or riding your bike to work.

Home insurance typically covers certain types of water damage in Canada, but it depends on your specific home insurance policy and the cause of the damage. Sudden and accidental damage like a burst pipe is often covered. However, damage due to continuous or repeated leakage may not be covered as it's viewed as a maintenance issue. You might also want to look at getting enhanced water damage coverage that covers you for events like floods, sewer backups, excessive rain or melting snow leaking into your home.

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.

Learn more about how the Wildfire Defense Systems service offers you peace of mind this wildfire season.

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