All-risk insurance coverage for your home

Life can be unpredictable. But with all-risk insurance coverage from belairdirect, you can remain confident knowing that your home is covered, even when life throws you a curveball. From your living room to your driveway, we have the all-peril insurance coverage that protects your home from accidents you can’t predict.

Get peace of mind with all-risk insurance coverage from belairdirect.

What is residential all-risk insurance coverage?

All-risk insurance coverage, sometimes referred to as all-perils insurance, is a coverage that protects your property from risks and perils that are not named, such as accidents or unforeseeable incidents, with the exception of those that are specifically excluded. All-risk insurance coverage protects you from incidents that are sudden, accidental, and NOT specifically excluded within your policy.

As a homeowner, you do your best to make sure your home is safe. But sometimes, life happens. And when it does, the damage that occurs can be unpredictable.

With all-risk insurance, you can get peace of mind knowing that you’re protecting your home from scenarios even you couldn’t imagine occurring. From falling branches to damage caused by the wind, get the coverage you deserve for your most important investment.

What does residential all-risk insurance cover?

Residential all-risk insurance coverage could cover a variety of unpredictable accidents or incidents, which maye include:

  • Theft
  • Vandalism
  • Damage caused by ice, snow or sleet
  • Accidental damage caused by electrical currents
  • Damage caused by wind
  • Damage caused by hail
  • Falling objects
  • Fire and smoke damage
  • And more

Residential all-risk insurance protects you and your home from incidents that are sudden, accidental and that haven’t been excluded from your insurance policy.

Be sure to carefully read your policy to see what incidents or damages might be specifically excluded from your policy. Talk to your insurance agent if you have any questions, as all-risk insurance coverage can vary from province to province.

What is a peril in insurance?

To an insurance company, a peril is defined as an event that occurs by chance that is unexpected, accidental, and causes a loss or damage.

That could include regular wear and tear to a home, such as the gradual erosion of roof shingles or old pipes beginning to rust are considered uninsured perils, as they are to be expected as time passes.

However, if someone were to unexpectedly vandalize your garage door, and it required repairs to clean and restore it, the event could be considered a peril.

Refer to your insurance policy to see what kind of perils you are covered for, and talk to an insurance agent if you have questions.

All-risk insurance for your home

Don’t let an unexpected accident spell disaster for your home. With belairdirect, you could get coverage that includes the risks outlined in your policy’s wording, along with these additional coverages:

  • Loss of personal property: This can provide coverage for the costs of losing personal property, such as your expensive new camera or your laptop while on vacation.
  • Accidental breakage: This coverage can compensate you for accidental damage to your personal property, such as your new television being knocked off its stand.
Protect yourself from unexpected accidents in your home with home insurance coverage from belairdirect

Get peace of mind with all-risk insurance coverage from belairdirect.

*Please note that these additional coverages are subject to the policy deductible.

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