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Additional home insurance coverage

A mother and her young daughter laughing in their home that’s covered by home insurance.

Add coverage for your specific needs. Our additional water damage coverage includes flood insurance and protection in case of water seepage and sewer back-up. Discover other optional coverages for even more peace of mind.

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Insurance type


Insurance type

Water damage - Ground water and sewer back-up (excluding flood caused by the overflow of a body of water)
(Endorsement 16c)

Looking for protection against sewer back-ups?

Endorsement 16c, Water Damage - Ground water and sewer back-up, covers damage caused by surface or ground water including:

  • Sewer back-ups
  • Seepage or influx of water from natural sources through basement walls, doors or other openings

Do you have enough water damage coverage? Determine how much coverage you need.

Flood caused by the overflow of a body of water
(Endorsement 16d)

Looking for coverage against flood?

This coverage offers protection against sudden and accidental damage to insured property caused by:

  • Water that reaches the premises and that originates from the rising or overflow of a body of water or from a dam break
  • Impact by water-borne objects that reach the premises, including ice

Take advantage of our flood coverage, prevention advice and smart leak detection system for complete peace of mind.

Water damage - Above ground water and weight of ice, snow or sleet
(Endorsement 42)

Want to protect your home against water seepage?

Endorsement 42 provides protection against damage caused by:

  • Rain or snow seeping through walls, roofs or doors, windows and similar openings
  • Water escape discharge, back up or overflow from an eavestrough or downspout
  • Weight of ice, snow and wet snow

You can often prevent above ground water damage by taking a few simple precautions. Read our section on preventing water damage.

Escape of fuel oil
(Endorsements 46b and 46c)

Want to avoid unexpected costs caused by a fuel oil leak?

Endorsement 46b, Escape of Fuel Oil, covers:

  • Damage to your property
  • Soil decontamination

And Endorsement 46c protects:

  • Liability for damage caused to someone else's property, if you’re a homeowner.

Check whether you’re eligible for this coverage by answering a few questions about your fuel oil tank.

For more information, read about how you can prevent fuel oil leak.

Above ground, semi-inground or inground swimming pool and hot tub
(Endorsements 33a or 33b)

Looking to protect your oasis of peace?

Insure your pool or hot tub against damage caused by freezing, the weight of ice or snow and more.

Get additional coverage for your above ground or semi-inground swimming pool (Endorsement 33a) or your inground swimming pool or hot tub (Endorsement 33b). Let the licensed insurance advisor know that you have one to make sure the coverage is added to your policy.

  • These endorsements also cover your equipment, accessories and attached patios that are not connected to the house.

Do you own a watercraft?

Insure your personal watercraft or other watercraft, such as canoes, kayaks, row boats, sailboards or pedal boats by adding a specific coverage for your watercraft to your home insurance policy.

Contact an insurance advisor for more information or to get a quote.

Good to know

Do you own high-value items like artwork, jewellery or special collections? Let your insurance advisor know so they can make sure you have the right coverage.

Read our keys to prevention to find out how you can protect your property against water damage, weather damage and natural disasters.

  • 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.

See how easy it is to protect your home with Desjardins Insurance!

Get a home insurance quote now

Speak with a licensed insurance advisor By phone: 1-877-699-9923

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