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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.