Perils usually covered by your home insurance contract

 

  • Fire or forest fires 
  • Theft or attempted theft 
  • Vandalism 
  • Discharge or overflow of public water mains carrying drinking water 
  • Discharge or overflow of plumbing systems or appliances such as bathtubs, toilets, washing machines or dishwashers
  • Windstorms
  • Hail
  • Lightning 
  • Explosion and smoke 
  • Impact from objects or vehicles
  • Riots

Perils covered by adding endorsements

 

Water damage caused by seepage

Water damage caused by sewer backup

Water damage caused by a body of water overflow (flooding)

Damage resulting from an earthquake

Perils not covered by most insurance contracts

 

  • Landslides and other earth movements 
  • Pollution 
  • Damage to property illegally acquired 
  • Losses caused by criminal acts of the insured 
  • Losses due to war, terrorism, nuclear risks

 

Home prevention

Prevent water damages from outside

Water damage is the leading cause of home insurance claims in Quebec. See what are considered good practices around the house.