Water damage

Your insurance protects you against water damage, but not in all cases. It all depends on the coverage you chose when you purchased your policy (endorsements added) and the cause of the disaster:

  • Damage caused by a sanitary installation (kitchen faucet, dishwasher pipe): automatically covered
  • Damage caused by a city water main break: automatically covered
  • Damage caused by water seepage: covered if you choose this additional coverage
  • Damage caused by sewer back-up: covered if you choose this additional coverage
  • Damage caused by flooding when a body of water overflows: covered if you choose this additional coverage

Theft and vandalism

Covered if you choose this additional coverage

Fire

Automatically covered

Snow and ice

Automatically covered with an all-risks policy

Wind and hail

Automatically covered

 

Business tips

Using your personal vehicle for work

Why your insurer needs to know if you use your vehicle for work.