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Flood Coverage for Home Insurance


Flood Coverage for Home Insurance

​Generally, 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.


​Generally, 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.

Home insurance doesn’t include flood coverage because only a small percentage of the population is at risk for it. Since the purpose of insurance is to spread risk among many policyholders, this type of insurance would be unaffordable for those at risk.

However, water-related damage and insurance claims are rising across Canada due to the increase in severe weather. Damage to your home from heavy rainfalls can be extensive and result in the loss of irreplaceable keepsakes.

It’s more important than ever for you to learn how you can protect your property and stay dry when the heavy rains come.