Is Belairdirect home insurance the best for you?

James Rodriguez James Rodriguez updated on 2022-01-27

Home insurance is the best protection you can buy for your home and belongings. It ensures that your most valuable asset, the roof above your head, is protected. Yet for many Canadians, choosing home insurance can be a difficult task. Whether you are a renter, live in a condo or own a house, It may seem like there are endless options and providers of what insurance is available to you. This can be confusing and hard to understand.

To put your mind at ease, this page answers your questions about Belairdirect home insurance. Read our review, get Belairdirect home insurance quotes and see how the competitors fare.

Our review of Belairdirect home insurance

Get an online Belairdirect home insurance quote in a few clicks. Make claims without involving an agent, unless you prefer to speak with one. Belairdirect has plans specifically created for young couples and people over 50 to give them peace of mind in their homes. However, they do not offer packages for landlords who choose to insure their properties.

Belairdirect home insurance pros and cons:

Here is what HelloSafe thinks about Belairdirect home insurance.

Why Belairdirect may be right for you:

  • Claims payment can be issued to you
  • Render help with temporary relocation in the event of a disaster
  • You can choose your supplier for repairs
  • A network made up of several contractors to meet customers need
  • Freedom to choose whether to rebuild your home in the case of a total loss while you get your replacement cost value

Why Belairdirect may not be right for you:

  • Landlord insurance not available

Coverage type

Homeowners

Condo

Tenant

Dwelling and attached structures

Detached private structures

Personal property

Additional living expenses

Personal liability

Voluntary medical payments

Voluntary payments for damage to a property

Immovable parts of your condo

Condo improvements

Comparison of Belairdirect home insurance plans

Take time to compare quotes and options before choosing home insurance with Belairdirect. Picking the right insurer can save you both time and money if you ever need to make a claim.

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What does Belairdirect home insurance cover?

Belairdirect offers home insurance plans for homeowners, condo owners and tenants. Their coverage options include property damage, medical payments and expenses, and lawsuits.

Are you still unsure how home insurance works? Our home insurance guide has answers to your questions.

How much does an Belairdirect policy cost?

The price of home insurance coverage with Belairdirect depends on the property type, your coverage needs, the insurer, the amount and much more. Since no two properties are the same, no two home insurance quotes will be identical. The only way to know for sure is by requesting quotes and comparing.

How do I purchase a plan with Belairdirect?

To purchase home insurance with Belairdirect, visit their website or call 1-833-644-7899.

Before setting on Belairdirect home insurance, look around! You can quickly and anonymously compare prices from leading home insurance companies.

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How much home insurance do I need?

Your home insurance plan should be enough to cover the replacement value of your residence and provide an additional $1,000,000 to $2,000,000 in personal liability coverage.

It can be difficult to find the policy that is right for you. It's important to find the balance between the value of your insured property, your risk tolerance and your budget. Your belongings should also be taken into account. You may prefer to save money and opt for a basic plan because you do not have many valuables in your apartment. On the other hand, someone with a large house full of valuables collectibles, antiques and electronics would appreciate the peace of mind afforded by a comprehensive plan with add-ons.

To put simply, how much home insurance you need is a balance between your budget, your risk tolerance and the value of your home and belongings.

How do I contact Belairdirect?

Contact Belairdirect by calling 1-833-938-3475 . Agents are available from:
Monday to Friday - 8:00am to 8:00pm
Saturday - 8:00am to 5:00pm
You can also email them or chat with them through their website.

Ottawa branch
Telephone: 1-613-228-6400 or 1-888-280-9111
8:00am to 8:00pm (Monday to Friday)
8:00am to 5:00pm (Saturday)
1111 Prince of Wales Drive, Suite 200 Ottawa ON K2C 3T2

Toronto branch
1-416-250-6363
8:00am to 8:00pm (Monday to Friday)
8:00am to 5:00pm (Saturday)
700 University Avenue Suite 1100 Toronto, ON M5G 0A1

North York
Telephone: 1-416-773-4000
8:00am to 8:00pm (Monday to Friday)
8:00am to 5:00pm (Saturday)
2255 Sheppard Ave East, Suite 400, ON M2J 4Y1

How do I file and make a claim with Belairdirect?

You can file and track a claim on the Belairdirect mobile app or through the client centre on the website without having to call anyone. A claim representative will be assigned to take you through the processes.

How can I cancel my Belairdirect policy?

You can cancel your policy by ringing your insurance representative. They will proceed with the termination request by notifying you of the remaining balance and confirming an end date. Please note that a cancellation at the request of the insured cannot be made more than 30 days in advance.

Can I transfer my insurer policy?

If you have moved to a new property and wish to stay with your current insurer, contact them directly. You may even get a loyalty discount for staying with the same provider. Your rates will almost certainly change as the new property will have a different risk profile and value.

Home insurance plans are not transferable from a former owner to the new one. The new owner will need to contact an insurer about their new house, condo or rental.

Can I bundle together my home and car insurance?

Insurance bundling refers to purchasing multiple types of coverage from one insurance company, like home and auto insurance. Insurers often offer a discount if you purchase multiple plans from them. It can often save up to 15-20% versus getting home and auto insurance policies from separate companies.

Are you in the market for car insurance? Check out HelloSafe's car insurance guide to learn more and compare rates.