Left Navigation Optional Coverage Optional coverage can protect you against financial losses stemming from the shaking of a home during an earthquake. Choose the coverage that covers the risks specific to your region. What is Optional Coverage?Additional protection – also known as optional coverage – covers perils that are not automatically included in a home insurance policy. Different risks are inherent in different regions. You may want to consider earthquake coverage if you live in an earthquake-prone region, such as British Columbia. Also prone to earthquakes is the region from the St. Lawrence River Valley to the Ottawa Valley, including Quebec City, Montreal and Ottawa. Your insurer may also be able to advise you on what you can do to reduce the risk of earthquake damage to your home.Earthquake coverage generally covers loss or damage to your property caused by the actual shaking of the earth. Learn more about what is included and excluded with earthquake insurance.Sewer backup coverage is useful in some low-lying areas, especially if your area has combined storm and sanitary sewers. You may also want to install a back-flow prevention device, where permitted by local codes. Learn more about sewer backup coverage.Speak with your insurance representative about what optional coverage is available in your area. All about home insuranceA house is often the single largest financial investment you can make. Without insurance, your most valuable asset is vulnerable to fire, theft and other disasters.Home Insurance Q&AQuestion to ask your insurance representative.Home Insurance - Is yours up to dateProtect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure. Related ServicesEarthquake InsuranceIn Canada, there are 4,000 recorded earthquakes each year, and earthquake damage is not be covered by a standard home insurance policy. In the next 50 years, there is a 30% chance of a significant earthquake in British Columbia.Sewer BackupA flood of sewage into your basement is dangerous to your health and costly to repair. Installing a backflow prevention valve can help prevent flooding. If you live in a low-lying area, you may want to consider buying sewer backup insurance.Jewellery, Furniture and ArtHigh-value items such as jewellery, furs, silverware, collectible stamps and coins are subject to a specific limit of insurance. You may want to consider purchasing separate coverage for objects that have a high replacement value. Useful LinksHome Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.Act of GodInsurance companies don’t use the phrase “acts of God.” They use the word “perils” to describe events that an insurance policy covers, and “exclusions” for events or situations that are not covered.Spring Thaw HoodGenerally, overland flooding is not covered. Overland flooding occurs when water from rivers, streams or other bodies of water flows onto dry land and causes damage to homes. This kind of flooding can be caused by a spring thaw.Rental PropertiesBefore renting out your primary or secondary residence, contact your insurance representative. Make sure that your home insurance provides adequate coverage and no exclusions apply.