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 tips

What to do in case of flood damage?

The river overflows its banks and floods your home, causing damage to your finished basement or to the ground floor. What should you do?


Be prepared.
Download the Joint Report application!