Water Damage Coverage

Ontario's most common home claim — make sure you're actually covered for it.

Water damage is the leading cause of home insurance claims in Ontario, but not all water is covered the same way. Overland flooding, sewer backup, and burst pipes each require specific coverage, and base policies often exclude them. We make sure your policy matches the water risks your property actually faces.

From basement sewer backup to spring overland flooding, we close the gaps before they cost you.

What's covered

Sewer and septic backup endorsement
Overland water (flooding from rain and snowmelt)
Sudden and accidental burst pipes and escape of water
Cleanup, repair, and damaged contents
Optional ground-water and seepage options

Good to know

Frequently asked questions

Isn't all water damage covered?: No — overland flood and sewer backup are usually separate endorsements, and some seepage is excluded entirely. We'll show you exactly where you stand.
What's the difference between overland water and sewer backup?: Overland water enters from flooding outside; sewer backup comes up through your drains. They're different endorsements — many homes need both.
Can prevention lower my premium?: Often yes — installing a backwater valve or sump pump can qualify for discounts and reduce your risk. We'll factor it in.

Insurer partners

Insurers we compare for water damage coverage

We shop these partners to find the right coverage and price for you.

Speak with an advisor

Insurance, the way it should feel.

Get a personal, no-obligation quote from Ontario's independent insurance experts. Real advice, the best rate, and someone who picks up the phone.

Get a quote Contact us

Frequently asked questions

Isn't all water damage covered?

No — overland flood and sewer backup are usually separate endorsements, and some seepage is excluded entirely. We'll show you exactly where you stand.

What's the difference between overland water and sewer backup?

Overland water enters from flooding outside; sewer backup comes up through your drains. They're different endorsements — many homes need both.

Can prevention lower my premium?

Often yes — installing a backwater valve or sump pump can qualify for discounts and reduce your risk. We'll factor it in.