Your interactive house: what's covered
Your home insurance contract automatically covers many types of water damage. However, you must take out additional coverage against certain risks. What are these risks?
Find out which claims are covered and require purchasing an endorsement by clicking on the icons and referring to the summary table*.
*Note: Some coverage may differ for co-ownerships. Refer to your contract and your co-ownership syndicate’s contract.
Seepage through the roof
After heavy rains, water seeps into your home through your roof.
Covered by endorsement
Broken water main
A drinking water main breaks and floods your basement.
Covered by contract
Strong winds
Strong winds break a tree branch, which then smashes into a window. Storm water comes in and causes damage.
Covered by contract
Snow melt
After a thaw, the snow melts, and water seeps through your home’s foundation or garage door.
Covered by endorsement
Washer leak
Your washer breaks while washing laundry and leaks water.
Covered by contract
Dishwasher leak
The dishwasher drain hose is worn, causing water to leak.
Covered by contract
Bathtub overflow
You briefly get distracted, and your bathtub overflows.
Covered by contract
Swimming pool failure
Your above-ground pool breaks, and water seeps into your home.
Covered by contract
Sewer backup
The sewer system backs up into your home.
Covered by endorsement
Overflow from a waterway
The river near your home is overflowing. The water reaches your home and rushes into it.
Covered by endorsement
Water damage coverage at a glance
Coverage typically included in contracts (Named Perils)
- Damage caused by water from sudden and accidental leaks, ruptures, overflows or spills:
- Plumbing fixtures;
- Containers or installations containing water or its equipment, like an above-ground pool*, waterbed or aquarium;
- Public drinking water mains break.
*Damage to the pool itself is only covered by adding the Spa and pool endorsement to your contract.
- Damage caused by water entering the building through a sudden and accidental opening caused by a covered peril, such as a branch broken off by strong winds.
Refer to this list of typically covered risks.
Coverage purchased through endorsement
- Water damage endorsement - Groundwater and sewers required to cover the following:
- Discharge, backup or overflow from French drains or sewers;
- Ground or surface water that enters or leaks into the building, such as snow melt.
- Water damage endorsement: Groundwater, sewers and overflow of a body of water covers the following:
- Damage caused by water from an overflow of a river;
- The endorsement also includes coverage for sewer backups.
- Water damage endorsement: Above ground water is required to cover the following:
- Water seepage through the roof, walls, doors and windows.
