Home Insurance

Get the coverage that fits your lifestyle

Your home is your sanctuary. Keep it that way. Ensure that you have the best home insurance to fit your needs. 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 insurance coverage to best suit your needs.

Types of homes we insure.

No matter what type of home you live in, belairdirect can offer you both the coverage 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.

Homeowners

Quicker and simpler, get the right coverage to protect your homeRest easy knowing you have the right homeowners coverage.

Condo owners

Get the right coverage for your condo.

Tenants

Renting? Protect your belongings.

Standard CoverageLiability InsuranceFind your 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.

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.

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)

Your coverage

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
  • 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, 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.)
  • 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 $30,000
  • Replacement cost on personal property—have your personal property repaired or replaced with new articles without deducting for depreciation.

Condominium corporation

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

Rental unit

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 (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.

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.

Water Damage (Exterior, In-Ground Source)

With this coverage, your home will be protected if water suddenly and accidentally seeps into your home because of external events like backed-up sewers, failed sump-pumps or water main breaks.

Earthquakes

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

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.

In the event that your identity gets stolen, the S.O.S. IdentityMy Name Identity.® coverage will help you deal with the inconveniences associated with identity theft:

  • Reimbursement for eligible identity restoration expenses incurred as a result of identity theft, up to a maximum of $25,000 per policy year, including notary costs, postal expenses, and long-distance calls.
  • Reimbursement for lost income resulting from time taken off work to complete fraud affidavits, meet with or talk to law enforcement agencies, credit agencies, and/or legal counsel, up to a maximum payment of $500 per day and $5,000 per policy year.
  • No deductible.
  • Legal information service related to identity theft.
  • Does not constitute a claim on your home insurance policy.

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.

S.O.S Home

Save money and simplify your life with the policy that covers your appliances, central systems and electronics in case they break down or unexpectedly fail.

Household appliances (10 years old or less)
This includes things like your fridge, stove, dishwasher, washer, dryer, microwave oven, central vacuum system, garbage disposal, garage door opener, your home alarm and fire alarm.

Heating and air conditioning systems (15 years old or less)
All the components of the central systems are covered, including heat pumps, air conditioners, air exchangers, electric baseboard heaters, and interior oil storage tanks.

Water heaters (10 years old or less)
This includes all the parts and components of the heater.

Sanitary installations
Includes emergency repairs for any blockage or leaks in your plumbing system, including all the pipes and fittings (water, gas or vents)

Electrical installations
This includes the switches, receptacles, circuits (and the repair of short circuits), junction boxes, junctions and panels.

With this coverage, you’re entitled to claim up to $1,500 for every covered item (up to $7,500 total) every year.

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.

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 1 877 220.6068 1 877 220.6069 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.

Watercraft 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.

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.

Home-based Business

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.

My Garden®

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.

Free extras

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

What is home insurance?

Home insurance is your way of being able to cover 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.

At belairdirect, we offer three types of insurance: homeowners, condo owners, and tenants. Although home insurance isn't required by law, it's a good idea to have it. A little protection for the things you cherish can go a long way towards peace of mind.

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

Back to top

By continuing to browse this site, you agree to our Terms of Use and with our Privacy Promise. OK