Overland & Ground Water Insurance

Water damage has become the biggest cause of home insurance claims. Minimize your risk and protect your home and belongings with overland and ground water insurance.

Premiums for overland and ground water coverage are based on postal code, dwelling value and deductible. Deductibles range from $1,000 - $5,000.

Overland Water Insurance

Overland water coverage includes:

  • Flood caused by overflow of body of freshwater
  • Surface water build-up (non-salt water) which accumulates upon or submerges on dryland resulting from torrential rainfall, rapid snow melt, spring runoff or the rising of breaking out or overflow of freshwater lakes, rivers or watercourse - whether natural or man-made
  • Service lines (water and sewage) - backing up, overflow or escape of water/waste through inside drains, sump and other plumbing fixtures and systems on the premise

Ground Water Insurance

Ground water coverage includes:

  • Water in the soil beneath the surface of the ground, including but not limited to: well water, underground streams, cisterns, percolating waters
  • Sudden accidental entrance of ground waters into a dwelling or detached private building through basement walls, foundations, or floors (some coverage includes window wells)
  • Sudden rising of the water table

Disaster Financial Assistance

Following a disaster, the provincial government may declare the event eligible for Disaster Financial Assistance (DFA). Insurable damages in the private sector from wildfires, earthquakes, snow load, wind storms, sewer or sump pit back-up, water entry from above ground (including roofs, windows or other areas of the building), are NOT eligible for DFA.

Damage from overland and ground water is insurable and therefore, will not qualify for DFA; this makes overland and ground water insurance essential for your home.

Let our experienced insurance brokers review your policy to make sure you're covered.