Your home and landslides

Your residence is located in a constraint zone, or your region has just suffered a landslide and you have questions to which you are seeking answers.

Is damage resulting from a landslide covered under my home insurance?

No. Earth movement is not a risk that is covered under home insurance policies and no coverage is currently available.

Is my home still insurable?

Yes, your home is still insurable for other risks. Even if you live in a constraint zone, you maintain the coverage stated in your insurance policy.

Is my home insurance likely to increase in case of a landslide?

It is unlikely your home insurance premium increase after such an event, given that damage resulting from an earth movement is not covered.

Other factors may explain a higher premium. Talk to your broker or insurer to find out the reasons that apply to your situation.

Should I let my insurer know that my home is located in a constraint zone?

Yes, it is recommended that you inform your broker or insurer to discuss coverage that might allow you to rebuild your home elsewhere, for example, after a fire.

By-law coverage

It is likely that, as a result of this mapping, your municipality will not allow you to rebuild your home on its current site. If so, you should consider by-law coverage that allows reconstruction elsewhere than on the original land.

For example, if your home were destroyed by a fire, you could rebuild your property at its replacement cost with this coverage. Talk to your insurer or broker. Note that this additional coverage does not apply to a loss covered under the policy. Therefore, if your home is damaged as a result of an earth movement, this coverage does not apply.