Belairdirect Home Insurance Reviews

Cute commercial, ugly company. Never had a claim till this year. Wind damage to a fence. Belair...well-named because they are just air...commercials only. Most of the work is outsourced to another company who outsources to another company...and so on. Long story short. They quoted my fence repair, much lower than the 3 quotes I got. So I told them rather than me take the payout, I let them do it...3 months later the contractor shows up with 2-foot spikes for fence post rather than typical 4-foot hole and cement. Contract interface Crystal was rude, lied, terrible person. Won't ever go back to this company.

I made a claim following a fire in my apartment building while I was on vacation. My belongings had to be stored while the repairs were taking place. Months of back and forth and phone messages and in the end, Belair doesn't like the contractor the house owner found and doesn't want to pay and say it's basically my problem. Now my belongings are with the contractor who refuses to deliver them before they get paid and Belair refuses to pay. So although nothing got damaged in the fire, I've lost all my belongings thanks to this insurer (bar paying 10k$ out of my own pocket to the contractor). Not sure why I payed for an insurance policy.

I had been with Belair for over 20 years. My daughter bought her first house, and it is a fixer upper. Explained in detail to Belair about the fixing up and schedule, and they insured the home. Two months after moving in, my daughter received a call stating she was being cancelled in 48 hours. Someone had driven by and seen a wood burning stove chimney and a bad roof. The stove had been removed the day she moved in as the insurance representative had been told, and the roofer was scheduled to start the following week. If the winter had been shorter, the roof would have been done. Belair refused to accept any of this, and my daughter ended up having to find a new insurance company within a day. Because of the roof, she had to get high risk insurance, which was LESS EXPENSIVE than Belair. I have since cancelled my Belair insurance, and would never recommend them to anyone. Hard to believe that high risk insurance is less expensive than a Belair rate for a family that had been a customer for so many decades. Do NOT choose Belair. They will not be there when you need them.