Belairdirect Home Insurance Reviews

There was a payment issue with my home plan - instead of contacting me via email or phone, they sent me some papers which never reached me. After trying that once, they cancelled my plan. I called back to find out what the issue was, they gave me no information about why my payment was declined and had me sit on the phone for 30 minutes before telling me I wasn’t eligible to renew my policy with them for 5 years due to the cancellation. On top of that, they told me that my car insurance with them would be affected due to the home cancellation.

My mom passed away and I removed her from the policy after I paid they charged me another $100 because they needed to change paperwork. Definitely a shady company. I called and they did not care.

Called to bundle my auto and home as the auto rate was really good. However, I was asked if I had pets and I do and one of my dogs is a Shepard Rottweiler mix and because he has Rottweiler in him doesn’t matter how much they will not proceed with a quote. I find that ridiculous, but apparently, if your dog bites someone your home insurance is liable? I did not know that and I think it’s dumb. I am not sure if his actual breed is a rescue mutt. He has Rottweiler's colour and Shepard's face. So dumb!

Worst customer service! I was on hold all day every day for three days. Hung up on about 30 times! Nearly impossible to get ahold of an agent. Avoid this company!

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.