Belairdirect Home Insurance Reviews

Belairderect is really bad.
My building value just increases 5.8%, but Belairdirect increases my premium 30.2%. The customer service is don't give you reason for why the premium increase so much. The attitude of the representative is rude. They don't care if you stay with them or not, they just want to steal your money.

Myself, and my family, had insurance with Belair direct. I called to insure my engagement ring. I was told via email that all I would need was an appraisal. I rushed around, and paid $100.00 for my appraisal, and when I called to add it to my home insurance policy, after over an HOUR on the phone, I was told I needed a bill of sale. Seeing as I did not buy the ring, I did not have it. Some lady told me I should know when he bought the ring, it is my fiancee's property and he should insure it, and I need a new appraisal including tax PLUS the bill of sale since the ring is not "mine", and would not insure it for me. I was beyond insulted. It was as if I had somehow altered the appraisal. It was quite offensive. I will NEVER use belairdirect, or recommend them to anyone. The only positive thing I will say is the customer representatives were quite polite.

I have been with the company for over 15 years. From 2013 to 2017 my premium has increased 112% and I've NEVER had a claim and the coverage has remained essentially the SAME!
WOW! I can only wish my salary would go up that much.
Thieves.

I recently received an e-mail indicating that they expected over $100 in ADDITIONAL fees on my $27 bill because my credit card number changed and they were still billing the old one. I'm going to go out on a limb and cast my doubts that it costs you 100 bucks to send me an email and ask me to update my credit card info. Any respectable business would simply ask you to update your credit card info and be done with it. Absolutely disgusting.

Their customer service tried to tell me that the card was NSF. That's rich. You know, these days with the internet and all it's pretty easy to pull up a couple months of account statements. It only takes a second to see it was never within 10 trips to Vegas of its limit (any fewer than that and I get uneasy.)

So then they demand that *I* prove to *THEM* that the problem was with the card number rather than my balance. Now this would be simple enough if I could just send them a copy of my account statement. Obviously by now we know that "simple" is not the goal (the goal is to steal a bunch of your money.) No, apparently the only way to prove I have always had money (?) is for me to call my credit card company and ask them to send a letter to Belair Direct stating that my old credit card number was shut down. What a crock of bull. (funny story, when I called my credit card company to explain they were like "oh, let me guess, Belair Direct?")

Imagine you are at the grocery store to buy a bag of apples (the cost of which is slightly more than what I pay for insurance monthly.) You go to pay and accidentally tap an old card you forgot to take out of your wallet. What would you expect to happen? Would you expect two bruisers in suits to come out and drag you to a dirty back room and take a pair of knuckledusters to your jaw? If you do, Belair Direct is the insurance company for you! If you don't expect minor and completely harmless mixups to turn into the Gimp scene from Pulp Fiction, I would strongly advise you consider other options.

This whole run around aside, what's truly egregious and revolting is that this fee exists specifically to target and exploit people going through hard times, also known as "the exact people their business exists to protect." Being told "Oh I'm sorry. We didn't mean to charge YOU, mister person who has money and can afford it! THOSE fees are meant to prey upon the weak and helpless" doesn't exactly make me feel good about doing business with them; especially when said business consists of 99.99% giving them money for nothing and 0.01% me depending on them when something goes catastrophically wrong.

I, and literally every person I can convince for the rest of my life, will be cancelling our accounts (a feat I hear they also make nigh-impossible.) I hope the big bonus they get from all the outrageous cancellation fees is worth it.

The customer service reps were decent at least. If the business itself wasn't shadier than a discount candy salesman working out of an unmarked van I'd almost give it 2 stars.

This is still going on in the 4th week with NOTHING. The first adjuster they assigned to my claim was on training the entire first week. I got the run around with several other adjusters just trying to kill time. Then the woman from Paul D. came and after looking at my broken apartment said, "all I see is a pile of broken things". but at this time, I don't think I can offer you anything". I said that they have to take responsibility for my contents. Then the adjuster came back from the training and spoke to me once and thereafter never returned any phone calls or emails. Suddenly, another adjuster sent me an email stating he was my adjuster and would like to view my property like the next day, because he was going on HOLIDAYS. He said he didn't really want the claim and that he had enough of his own claims, he didn't need mine added to it. He then came and it was impossible to see the damage properly as things were in pieces and needed someone to try to put my bed together to see if it was possible or not. It was in several pieces and piled. My couch had something rattling inside and when I unzipped the under part there was a piece of the frame dislodged and floating around and he said - "What's that?" Where did that come from, I don't know what that is". Like I went outside and got a brick and put it in the zipped underside of my couch. What a horror of a human being he was. And then he wanted to give me $200. for my TV which costs $800, and… well just etc. etc. etc. and then he was on holidays. And now that's where I am now and no one will call me back at all. I was given the adjuster’s bosses name and he is not in the office. They didn't dare tell me he is on holiday's but that he is out of the office. Then they gave me 3 other names at different times saying they would call me and no one did... DO NOT EVER USE THIS INSURANCE COMPANY!! IT IS A COMPLETE HORROR STORY. STAY FAR AWAY FROM THEM. I wanted to give no stars, as that is what it deserves.

I have been a long time customer and was reasonably happy (but never had to make a claim) so just kept going. Last year they did a major increase in premium so I changed my deductibles, etc to get the price down. Now this year I get another major increase.. In total they have increased my premium by over 30% over 2 years even after I made the changes to decrease it.. DO NOT GET YOUR INSURANCE FROM THIS COMPANY UNLESS YOU WANT TO GET TAKEN..

There are monkeys running this circus- we had the house insured with them and were not deducting our payment- not until we decided to cancelled they noticed on top of their bad services they also charge and astronomical cancelation fee- we spoke with them short time ago and didn't mentioned anything about the house payment until today- I am retired and they didnt want to arrange for a few payments, they want all at once- we have reached the company a few times and they never mentioned any payment issues neither did I notice beofre as everything has been arranged as prepayment. Had car insurance issues with them and is all the same, the customer is always wrong and they take accountability for nothing- sometimes you get what you pay for- I am happy I walked to an insurance company and spoke with a person that insured me and is there any time I have a question- For Bellair is easy to mistreat you as customer because they don't have to face you- it all happens behind a phone - Glad I am not their customers - Stay away from Bell Air!

I enjoyed 30% discount on home insurance because I was Belair Employee. But when I was renewing, given that I was no longer their employee, they wanted to increase my home insurance by more than a double. So, it was going to jump from 741$ annually to over 1900$. They had 2 explanation points. One that I was no longer working at Belair and the second is that there is a pub on the ground floor of my building while I live on the 15th floor. I guess, using their logic, the whole building is supposed to have their insurance double, especially the ones on the lower floors given their "imminent" exposure to the bar scene LOL. FRAUD! I can't believe I was part of this fraud! I would not open my mouth about how bad they pay, if ever...

Asked about installing auxiliary heat, wanted to terminate my policy, they are foreigners, they did not see when we had the ice storm and I had no heat for five days and was thinking of installing a pellet stove. Thank you to the woman I had confidence in and the CEO that wanted to cancel my policy, by the way, I had a new furnace installed prior to this one year, he said "oh you do not have sufficient heat at home, oh hey did you ever hear of thermostat", I can adjust, thank you CEO of Belleair direct

My home policy was with Trafalgar which ended up selling some of their customer base to Belairdirect. When I reviewed the new policy it had increased by 10% in cost and several services had been removed; Water Damage coverage and Loyalty Privileges such as disappearing deductible, home assist, etc.. When I complained I was told by a manager that they would reinstate the water damage if it was covered on the original policy but the other services they did not offer. A month later I received a water damage premium for and additional $180. Again I complained but they would not accept a copy of my original policy and only made excuses so that manager would not stand by his original commitment. I would not recommend Belairdirect as your insurer you will not be saving money up front and if the management is anything like I experienced you may be holding a big bill in the end.