Natural disaster and other incident: Am I covered?
Although most of our home insurance policies provide all-risk coverage, some may cover only named perils. Refer to your policy to find out which type of insurance you have.
Property Damage Coverages with All-risk Insurance
With all-risk insurance, your property is protected against damage from most major accidents like fire, theft, vandalism and certain types of water damage.Show more
Damage to your cottage or seasonal dwelling
We offer a range of insurance products to meet our clients’ individual needs. Refer to your home insurance policy to learn more about your coverage.
Each insurance policy is different. When you took out your policy, one or more of the following optional coverages may have been added based on your needs.
Water damage – Ground water and sewer back-up (Endorsement 16c)
Covers you against damage caused by sewer back-up and ground water seepage.Show more
Flood caused by the overflow of a body of water (Endorsement 16d)
Covers you against water that reaches the premises from the overflow of a body of water.Show more
Water damage – Above-ground water and weight of ice, snow or sleet (Endorsement 42)
Covers you against damage caused by water seepage through the roof and walls.Show more
Swimming pool and hot tub (Endorsements 33a or 33b)
Protects your above ground, semi-inground or inground swimming pool or hot tub against certain types of damage caused by things like freezing or the weight of ice or snow.Show more
Escape of fuel oil (Endorsements 46b and 46c)
Covers damage caused by fuel oil spillage and covers soil decontamination.Show more
Still have questions?
Don't hesitate to call or email your claims advisor, who can explain the details of your insurance coverage.
Find a recommended provider
Is immediate action required? Choose from our network of recommended providers. We take care of everything, and you get top quality service.
- Emergency cleanup
Reasons to choose a recommended provider
- Work gets started sooner
- Detailed work plan, so you can track progress
- Five-year warranty on work
- Efficient, professional service
- The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.