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Personal Insurance / Property Insurance / Supplemental Insurance / Water Coverage Insurance

Water Coverage Insurance


Water Damage Is Serious Business

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Competitive rates for optimal coverage.

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Don’t Let Water Damage Send Your Finances Down the Drain

It’s official: water damage has surpassed fire as Canada’s leading cause of personal property claims. Costing Canadians $1.7 billion per year, water damage to your property can drain you—financially, emotionally, even physically. With so much unpredictable weather these days, you might be wondering if your homeowners policy includes water insurance. The short answer? It depends. Not all water damage is created equally and coverage depends on the type of damage to your property. Most policies will cover repair costs for when a sudden escape of water damages your home. A washing machine overflowing, for example, or the rupture of a hot water tank.

Whether or not you live in a high-risk flood zone, there are four types of water damage related to floods and sewers. Find out more about the difference between flood and sewer backup

Overland Water

This water insurance protects you against damage caused by the overflow of a lake or river, heavy rain or rapid snowmelt entering your house at or above ground level.

Ground Water

This water coverage option protects you when water enters your home suddenly and accidentally through a basement wall, foundation or through the floor.

Sewer Back-Up

Get water coverage insurance for when water backs up and flows into your home from municipal sewer systems, private septic tanks or sump pump failure.

Water & Sewer Lines

If sewer and water lines break, tear or rupture, this water insurance repairs or replaces water service and sewer lines.

Prevent Basement Flooding


Helpful tips and advice to help prevent spring flooding in your basement.

property checklist iconBasement Flood Protection Tip Sheet
property checklist iconBasement Flood Protection Checklist 

Learn More About Water Coverage


Each insurer handles water risks differently, learn more about the specific coverage offered by your insurance provider and make sure you are protected in the event of a claim.

Aviva Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Dumfries Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Gore Mutual Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Intact-Insurance Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Heartland-Farm-Mutual Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Pembridge-Insurance Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Portage-Mutual Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

The-Guarantee Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Travelers-Insurance Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Unica-Insurance Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Wawanesa-Insurance Learn More Brief review of coverage options
  • Overland Water
  • Ground Water
  • Sewer Back-up
  • Service Line

Coverage and availability are determined by a number of variables. Speak with a broker for further information.

Get Your Water Coverage Insurance Quote


Water damage is a growing concern and a complex issue. But you can protect yourself. Our network of independent brokers can guide you through the sometimes bewildering maze that is water coverage insurance and everything you need to know about sewer backup coverage. Talk to a broker today about endorsements, add-ons and riders available for your policy.

Get A Quote

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