Belairdirect Home Insurance Reviews

My home insurance with Belairdirect since the year 2018, originated from Canadian Direct Insurance since the year 2000 (then Canada West, HSBC etc ). The original insurance earthquake deductible is 5%, then agreed to pay up to $ 1816 from $980 annually to keep 5% deductible. This year still asking for $ 1816 with 15% deductible and claims its their policy as my property was located at Richmond., plus property only covered for $ 401,000 for a million property, rather than standard $ 623,000. Another insurance company still offering a 10% deductible for earthquake coverage.

I have or soon will have had tenant insurance with Belair Direct. It was good while it lasted. I had a dog bit incident before getting tenant insurance with Belair Direct. Almost a year afterwards they decided to cancel my claim due to the incident which has nothing to do with them. I now get to try and find someone else who will ensure me and my dog. Hopefully, I won't get evicted before then but what does Belair Direct care about that? I don't think they care at all and they are just like all the rest of the insurance companies there when you don't need them and not available when you do.