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“Acts of God” Home Insurance


“Acts of God” Home Insurance

​Insurance 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.


Some people refer to the damage caused by a natural catastrophe – such as a hailstorm or high winds – as an “act of God.” However, you won’t find this phrase in any home insurance policy in Canada.

Your home insurance policy lists the perils that it covers and the exclusions that it does not cover. You can purchase coverage for certain exclusions as an add-on to your policy; this is called an “endorsement.”

Damage caused by many natural catastrophes that people like to call “acts of God,” such as hail and high winds, is covered by your home insurance.

To find out more about what is and isn’t covered by home insurance, please refer to the All about Home Insurance brochure or talk to your insurance representative.