Home insurance: You could save with belairdirect
Whether you own a home or rent one, having the right home insurance coverage is essential for protecting your property, your possessions and your finances. With belairdirect, you can get the coverage you need at a price you can afford.
Why choose belairdirect for your home insurance needs?
Get the best home insurance coverage for your home and your belongings. Whether you're a tenant, a condo owner or a homeowner, you can find the belairdirect home insurance that meets your needs. We offer house insurance in Ontario, Québec, Alberta, and British Columbia, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador.
Get the coverage that fits your lifestyle:
We offer a range of coverage options to suit your needs, including coverage for homeowners, condo owners and renters.Get your home insurance quote in a few clicks:
Our online quote process is quick, easy, and hassle-free. In just a few clicks, you can get a personalized quote for your home insurance policy.Save money with our discounts and benefits:
We offer a variety of discounts and benefits to help you save money on your home insurance policy, including bundle discounts, loyalty rewards and more. learn more about how to save on insurance.
Types of homes we insure
No matter what type of home you live in, belairdirect can offer you the insurance options 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.
Home insurance
Whether you live in a duplex, a triplex or a detached home you need to protect your dwelling and personal belongings. We offer homeowners insurance quotes.
Condo insurance
Choose the right protection for your condo and find residential insurance to protect your unit and personal belongings from costly damage.
Tenant's insurance
Insurance is not just for homeowners. Tenant's insurance protects your belongings and provide additional coverage for living expenses. From apartments to rented houses, get a tenant's insurance quote and stay covered!
What type of residential insurance
do you need?
If you're a homeowner or the owner of a condo unit, you'll want to protect the structure of the home, as it is legally your property. If ever your home or condo were to be damaged, you could avoid paying out-of-pocket with the right protection in place.
But different types of houses and condos require unique coverage too. Not only does home insurance cover the structure of your own home, but it can also provide coverage that protects you from paying for accidental damage to a neighbour's property.
This is especially important for condo owners, as the units are often built close together and in proximity to common areas of a condo building. Water damage or fire damage can easily spread from one condo unit to another.
Standard home insurance coverage
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.
It covers:
- the physical structure of your home (foundation, walls, flooring, windows, doors, and roof) and structures attached to it, like a garage, deck, or porch
- permanently installed outdoor equipment, like a fence, etc.
- an outdoor inground swimming pool and its accessories, as well as the sidewalks surrounding the pool
- docks located on your property
- damage caused to the building by a break-in (broken windows or doors, etc.) except if your home is vacant
- construction materials and supplies located on your property to build, renovate or repair your current home (theft is only covered if the house is completed and ready to be lived in)
- damaged property is paid based on the replacement cost if certain conditions are met, otherwise, any repair or replacement will be paid based on the actual cash value
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by pests (bed bugs, termites, mice, etc.)
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
It covers:
- the physical structure of your home (foundation, walls, flooring, windows, doors, and roof) and structures attached to it, like a garage, deck, or porch
- permanently installed outdoor equipment, like a backup generator, pool heater, etc.
- outdoor swimming pool and other domestic water containers, like a hot tub and sauna, as well as their attached accessories
- damage caused to the building by a break-in (broken windows or doors, etc.)
- outdoor trees, plants, shrubs or lawns on your property
- construction materials and supplies located on your property to build, renovate or repair your current home (theft is only covered if the house is completed and ready to be lived in)
- damaged property is paid based on the Replacement Cost if certain conditions are met, otherwise, any repair or replacement will be paid based on the actual cash value
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by pests (bed bugs, termites, mice, etc.)
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
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.
It covers:
- structures on your property that are not attached to your home or used as a residence, like a detached garage, storage shed, etc.
- damage caused to such structures by a break-in (broken windows or doors, etc.)
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by pests (bed bugs, termites, mice, etc.)
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
It covers:
- structures on your property that are not attached to your home or used as a residence, like a detached garage, storage shed, etc.
- damage caused to such structures by a break-in (broken windows or doors, etc.)
- buildings connected to your home by a fence, utility line or any other similar connection like a detached garage connected by a power line or tool shed attached to your home by a fence
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by pests (bed bugs, termites, mice, etc.)
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
Personal belongings protection
Pays to repair or replace damaged or stolen furniture, clothing, electronics, appliances, or any other item usually located in your home.
It covers:
- personal property damaged or stolen anywhere in the world, like if your camera goes missing while on vacation, etc.
- personal property temporarily being stored somewhere else, like furniture kept at a friend's home while you redecorate, etc.
- personal property of a full-time student covered by your insurance policy who is temporarily living away from home for school
- personal property kept in a safety deposit box stored at a bank
Also included: Replacement costs
- pays to replace your personal belongings at their current price without depreciation if they're stolen, damaged or destroyed
Example: The $1,000 sectional sofa you bought five years ago is damaged. It's currently sold for $1,500, so we'll cover the cost to repair or replace it (whichever costs less).
Certain items are only covered up to a limited amount detailed in your insurance policy, like jewelry, cannabis, money, bikes, etc.
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
- personal property normally kept at another location
- cryptocurrencies
It covers:
- personal property damaged or stolen anywhere in the world, like if your camera goes missing while on vacation, etc.
- personal property temporarily being stored somewhere else, like furniture kept at a friend's home while you redecorate, etc.
- personal property of a full-time student covered by your insurance policy who is temporarily living away from home for school
- personal property kept in a safety deposit box stored at a bank
Also included: Replacement costs
- pays to replace your personal belongings at their current price without depreciation if they're stolen, damaged or destroyed
Example: The $1,000 sectional sofa you bought five years ago is damaged. It's currently sold for $1,500, so we'll cover the cost to repair or replace it (whichever costs less).
Certain items are only covered up to a limited amount detailed in your insurance policy, like jewelry, cannabis, money, bikes, etc. Further details are listed in your home insurance policy.
Not covered:
- general wear and tear, gradual deterioration, rust, corrosion, scratches or marks, dry or wet rot
- damage caused by pests (bed bugs, termites, mice, etc.)
- damage caused by an earthquake, unless you have Earthquake protection (Earthquake damage assumption endorsement)
- damage caused by a flood or sewer backup, unless you have the Enhanced Water Damage Package
- personal property normally kept at another location
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.
Reimburses you for the excess costs of living elsewhere during a claim for the following:
- moving expenses
- temporary housing (hotel or rental home)
- lost rental income
- additional food expenses (restaurants, cooking supplies)
Example: You usually spend $400 a week on groceries but now need to spend $600 to eat out at restaurants. We'll pay you the difference of $200.
Not covered:
- regular expenses for food and groceries (only covers the additional expenses above what you would normally spend)
- mortgage payments during the time you’re unable to live in your home
- fees for cancelling a lease
Reimburses you for the excess costs of living elsewhere during a claim for the following:
- moving expenses
- temporary housing (hotel or rental home)
- lost rental income
- additional food expenses (restaurants, cooking supplies)
Example: You usually spend $400 a week on groceries but now need to spend $600 to eat out at restaurants. We'll pay you the difference of $200.
Not covered:
- regular expenses for food and groceries (only covers the additional expenses above what you would normally spend)
- mortgage payments during the time you’re unable to live in your home
- fees for cancelling a lease
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.
It covers:
- lawyers’ fees and other legal expenses (defence costs)
- urgent medical expenses paid by you to treat someone else’s injuries if they get hurt on your property or by you anywhere in the world
- the amount you're legally liable to pay for damages you unintentionally cause to others and certain expenses related to a lawsuit against you
Not covered:
- any intentional or criminal act
- injuries or property damages resulting from your professional services
- fines, penalties, punitive or exemplary damages (damages requested and/or awarded in a lawsuit)
- additional compensation if a court finds you guilty of gross negligence (total lack of care and disregard for the safety of others)
- injuries or damage you cause to yourself, or other household members covered by your insurance policy
It covers:
- lawyers’ fees and other legal expenses (defence costs)
- urgent medical expenses paid by you to treat someone else’s injuries if they get hurt on your property or by you anywhere in the world
- the amount you're legally liable to pay for damages you unintentionally cause to others and certain expenses related to a lawsuit against you
Not covered:
- any intentional or criminal act
- injuries or property damages resulting from your professional services
- punitive damages payable to another person (third party) when a court considers that your conduct shows gross negligence
- injuries or damage you cause to yourself, or any other household member covered by your insurance policy
Interior water damage protection
Pays to repair your home and personal belongings after accidental water damage, like a burst pipe, overflowing sink, etc.
It covers:
- water leak from a plumbing system malfunction
- water damage caused by a broken pipe
- water damage caused by the overflow of a toilet, sink, refrigerator, washing machine or dishwasher
Water damage to your home is covered unless otherwise excluded in your insurance policy.
Not covered:
- broken pipes if heating was intentionally turned off
- damage caused by a flood or sewer backup (unless you have the Enhanced Water Damage Package)
- a flood caused by a tsunami, tidal wave or dam break
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
It covers:
- water leak from a plumbing system malfunction
- water damage caused by a broken pipe
- water damage caused by the overflow of a toilet, sink, refrigerator, washing machine or dishwasher
Water damage to your home is covered unless otherwise excluded in your insurance policy.
Not covered:
- broken pipes if heating was intentionally turned off
- damage caused by a flood or sewer backup (unless you have the Enhanced Water Damage Package)
- a flood caused by a tsunami, tidal wave or dam break
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
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.
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.
It covers:
- sudden and accidental damage to your home, structures on your property not attached to your home (shed, etc.), and personal belongings caused by sewage water
- damage to your property caused by water that comes into your home through a sewer, septic system, sump pump or drain located on your property
Sump pump
A sump pump is a device installed in your basement or crawl space that helps prevent water damage and flooding. It evacuates excess water from your foundation and the water table around your home towards the municipal water system or the outside drainage area.
Not covered:
- a flood caused by a tsunami, tidal wave or dam break
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
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.
It covers:
- excessive rain, snow or melting snow that enters your home through basement walls, foundations, and floors
- wastewater that flows back into your home from a sewer, septic tank, sump or French drain
Sump pump
A sump pump is a device installed in your basement or crawl space that helps prevent water damage and flooding. It evacuates excess water from your foundation and the water table around your home towards the municipal water system or the outside drainage area.
Not covered:
- a flood caused by a tsunami, tidal wave or dam break
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
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.
It covers:
- a flood from the rise and overflow of any body of fresh water, like a lake, river, etc.
- excessive rain, snow or melting snow that enters your home through basement walls, foundations, and floors
- wastewater that flows back into your home from a sewer, septic tank, sump or French drain
- water that reaches and damages your home after an accidental dam break
Sump pump
A sump pump is a device installed in your basement or crawl space that helps prevent water damage and flooding. It evacuates excess water from your foundation and the water table around your home towards the municipal water system or the outside drainage area.
Not covered:
- a flood caused by tides, tidal waves or tsunamis
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
Above ground water protection
Pays to repair water damage to your home and personal belongings caused by rain, melting snow or ice.
It covers:
- damage caused by above ground water like rain, melting snow or ice that enters or seeps into your home through the roof, walls, doors or windows
- water leaks, overflows or backups from your home's rain gutters and downspouts
Not covered:
- a flood caused by a tsunami, tidal wave or dam break
- gradual damage caused by an ongoing water infiltration (seepage)
- water damage that happens while your home is under construction or left vacant for 30 days or more
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.
It covers up to a maximum of $10,000 in repairs:
- water service pipe that brings water from the city's water main into your home
- cost to repair or replace the exterior water line on your property after a leak, break, tear, rupture or collapse of the line
- costs to dig and unearth the pipeline to repair or replace it
- cost to remove, replant or replace outdoor trees, plants shrubs, and lawns on your property
Water service line connected to your home
The water service pipe connects to your private water service line to carry clean water from the municipal water system into your home.
Not covered:
- water service pipes that are more than 40 years old
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.
It covers up to a maximum of $10,000 in repairs and damage:
- cost to repair or replace the exterior water or sewer lines on your property after a leak, break, tear, rupture or collapse of the line
- costs to dig and unearth the pipeline to repair or replace it
- cost to repair or replace outdoor property like trees, shrubs, plants, lawns, sidewalks and driveways
Water and sewer lines connected to your home
The water service pipe connects to your private water service line to carry clean water from the municipal water system into your home. The sewer pipe drains wastewater from your indoor plumbing, including sinks, clothes or dish washers, and bathrooms.
Not covered:
- blockage or low pressure of the water or sewer line
- treatment, removal, recovery or disposal of pollutants or hazardous material
- breakdown caused by the disconnection or interruption of the main utility line
- water or sewer lines that run through or under a body of water, like a swimming pool, pond or lake
Enhanced water damage package - overland water
Pays to repair damage to your home and personal belongings caused by a flood.
It covers:
Damage to your home and personal belongings caused by:
- a flood from the rise and overflow of any body of fresh water, like a lake, river, etc.
- sudden and accidental accumulation of water due to heavy rain and melting snow or ice
- water that comes into your home through the windows and doors at ground level
Not covered:
- a flood caused by a tsunami, tidal wave or dam break
- the repeated escape or leaking of water into your home
- groundwater or a rising water table (when underground water rises to the surface) that causes leaks through walkways, driveways, foundations, walls or floors
- a landslide or any other earth movement
- water damage that happens while your home is under construction or left vacant for 30 days or more
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.
It covers:
- damage caused to your property by water that enters into your home through basement walls, floors or the foundation
- damage caused by the rising water table (when underground water rises to the surface) that causes leaks through walkways, driveways, foundations, walls or floors
Not covered:
- a flood caused by a tsunami, tidal wave or dam break
- the repeated escape or leaking of water into your home
- a landslide or any other earth movement
- damage caused to foundations, footings, slabs or perimeter drainage systems
- water damage that happens while your home is under construction or left vacant for 30 days or more
Additional home insurance coverage
Severe weather water damage protection
Pays to repair water damage to your home and personal belongings caused by severe winds or a hailstorm.
It covers water damage caused by:
- an accidental public water main break
- water that enters through a hole in your home
- rain or melting ice and snow that causes a roof leak
- an overflow of an outdoor water container, like a swimming pool
- water accumulation that can lead to indoor plumbing, heating, sprinkler or air conditioner leaks
Wind damage protection
Pays to repair damage to your home and personal belongings caused by severe winds.
It covers:
- damage to the outside of your home, including siding, windows, and the roof
- damage to your home or structures on your property that are not attached to it or used as a residence, like a storage shed, detached garage, etc.
- cost to repair or replace personal property damaged inside your home (furniture, electronics, clothing, etc.)
Further details are listed in your home insurance policy.
Hail damage protection
Pays to repair damage to your home and personal belongings caused by a hailstorm.
It covers:
- damage to the outside of your home, including siding, windows, and the roof
- damage to your home or structures on your property that are not attached to it or used as a residence, like a storage shed, detached garage, etc.
- cost to repair or replace personal property damaged inside your home (furniture, electronics, clothing, etc.)
Further details are listed in your home insurance policy.
S.O.S. Identity®
Covers certain fees and expenses to help restore your identity if it gets stolen.
It covers:
- identity theft of you or a household member
- reimbursement of up to $25,000 in expenses per occurrence to recover your identity
- fees to obtain or restore your credit profile following an identity theft
- cost to replace government identification documents (driver's licence, passport, etc.)
- 24/7 telephone hotline for legal support
- legal expenses and other legal or paralegal fees
- costs to repair or replace a personal computer’s hardware or software
- costs to restore data from a cyberattack or cyber extortion
- lost income resulting from time taken off work ($500 per day/$5,000 per incident)
Not covered:
- any expenses resulting from a fraudulent, dishonest or criminal act committed by you or any person aiding or abetting you
- any business expenses related to your trade, profession or occupation
Earthquake protection
Pays for damage to your home and personal belongings caused by an earthquake.
It covers:
- damage to your insured property (home and its attached structures, furniture, etc.) by an earthquake
- damage to your insured property (home and its attached structures, furniture, etc.) by a fire, explosion or smoke caused by an earthquake
- additional living expenses, like temporary housing (hotel or rental home), lost rental income, and food expenses (restaurants, cooking supplies, etc.)
Not covered:
- damage caused by a tidal wave or tsunami, even if an earthquake caused it
- damaged trees, shrubs, plants and lawns, or the cost to remove them from your property
It covers:
- damage to your home or structures on your property that are not attached to it or used as a residence, like a storage shed, detached garage, etc.
- cost to repair or replace personal property damaged inside your home (furniture, electronics, clothing, etc.)
Not covered:
- damage caused by a tidal wave or tsunami, even if an earthquake caused it
- damage caused by wind, hail, rain or snow that enter your home through openings in the roof or walls that existed before the earthquake occurred
- damage caused by your neglect to take reasonable steps to save and protect your property during and after an earthquake
Fire after earthquake protection
Pays for damage to your home and personal belongings caused by fire, smoke or an explosion after an earthquake.
It covers:
- fire, smoke or an explosion caused by an earthquake, like if a gas line breaks because of the tremors and starts a fire in your home
- damage caused by wind, hail, water, rain or snow that enters your home through an opening in the roof or walls caused by the earthquake
Not covered:
- damage caused by a tidal wave or tsunami, even if an earthquake caused it.
- damaged trees, shrubs, plants and lawns, or the cost to remove them from your property.
Home claim forgiveness
Prevents your price from increasing because of your first home insurance claim.
It covers:
- your first claim will not increase the price of your home insurance
- valid as long as you have this coverage and are insured by us
Not covered:
- your second home insurance claim will cancel this coverage when your insurance renews.
The price of your home insurance will automatically adjust at each renewal time to keep up with rising costs (inflation).
Home rental protection
Protects your home if you rent it to guests for more than 30 days a year.
It covers:
- short-term rentals (less than 180 days a year)
- rental of your home on Airbnb, MonsieurChalets, Cottages Rental, etc.
- damage caused to the building by a break-in (broken windows or doors, etc.)
Not covered:
- theft of personal property by tenants
- long-term rentals (more than 180 days a year)
It covers:
- rental of your home on Airbnb, FlipKey, Home Away, and VRBO
- short-term rentals (less than 180 days a year)
- damage caused to the building by a break-in (broken windows or doors, etc.)
Not covered:
- theft of personal property by tenants
- long-term rentals (more than 180 days a year)
How to save on home insurance
Here a few tips to help you lower the cost on home insurance products.
Bundle car and home insurance to save money
Try to bundle your car insurance together with insurance for your home using the same insurance company.Learn more about car and home insurance bundlesAgree 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.
Ready to compare your current premium or get new home insurance coverage?
Whether you're looking for a tenant insurance in Toronto or a home insurance in Ottawa, belairdirect has the coverage you need.
Ready to compare your current premium or get new home insurance coverage?
Frequently asked questions about home insurance
1 - What does home insurance cover?
It covers 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. A standard option offers the bare minimum of protection, and adding enhanced coverage can give you additional peace of mind.
2 - When should you review your home insurance policy?
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.
3 - How are home insurance premiums calculated?
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!
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