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Water Damage Insurance Coverage

Protect Your Property With The Proper Water Damage Insurance.
  • Protection from heavy rain or rapid snowmelt that enters your home
  • Sewer, sump pump or septic tank back up coverage
  • Protect yourself from unclean water events
Complete the form or call 1-800-463-8074 to speak with a licensed broker about Water Damage Insurance today.

Ontario Water Damage Insurance

Did you know that your home insurance policy may not include sufficient water damage insurance? Furthermore, most policies only include coverage for the actual water damage and do not provide compensation for source problems. Every day homes across Canada suffer water damage as a result of  sewer back up, over-land flood or rising body of water, and the risk of it happening at your home is on the rise. Severe weather events are becoming more frequent and causing more damage. The changing weather patterns are forcing the insurance industry to change policies to address these new and now common risks. Be sure that your your insurance policy provides the best coverage to protect your home and property if water damage should occur.

What Is Water Damage Insurance?

Water damage insurance additionally protects your home from water mishaps that aren't covered by your basic home insurance policy. Types of coverage that water damage insurance provides can include water damage due to flooding, sewer backup, plumbing, ice and snow, sump pump overflow as well as many others. This policy can be tailored to your unique needs.

Who Needs Water Damage Insurance?

If you own a home and have basic home insurance you may want to consider water damage insurance as an addition to your current policy. Because there are limitations to regular home insurance, you may not be protected from the expense of repairing root causes of water damage which can cost thousands of dollars. Don't drown in water damage expenses - get insured.

What Are The Different Types Of Water Damage?

Water damage is separated into two main categories, clean water damage, and "unclean water" damage. Water is considered unclean if it comes from the ground or sewer. Unclean water damage protection is usually never included in your home insurance policy.

What Are My Coverage Options For Water Damage Insurance?

Your water damage insurance coverage can include:

  • Sump pump overflow based water damage
  • Sewer back-up based water damage
  • Septic tank back-up based water damage
  • Basement flooding
  • Air Conditioning system based water damage
  • Heating system based water damage
  • Public watermain based water damage
  • Appliance and aquarium-based water damage
  • Plumbing system based water damage
  • Sprinkling system based water damage
  • Ice damming based water damage
  • Ice/snow roof based water damage

Where Can I By Water Damage Insurance?

You can get a water damage insurance quote from Morison Insurance. We would be happy to review your current policy to ensure that you have the proper coverages put in place. Get started today by filling out the contact form on our website, or by calling 1-800-463-8074. We are happy to help!


This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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Personal Insurance
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Ask us anything about Water Damage Insurance! Call 1 (800) 463-8074 to speak with a licensed broker and get the correct answers today.
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