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Sewer back-up

This occurs when wastewater backs up into the pipes of your home instead of draining away from the house as it normally would.

Water damage to your vehicle

For this type of damage, you need “All perils”, “All perils other than collision or upset” or “Specific perils” insurance coverage. Inquire about your coverage with your representative or insurer.

Above ground water damage

This type of damage occurs when water infiltrates your home through the roof or walls owing, in many cases, to heavy rains or poor waterproofing.

Groundwater damage

This type of damage occurs when water infiltrates your home’s foundation walls owing, in many cases, to snowmelt or heavy rains.

Other endorsements

Coverage against dam breaks and the rising or overflow a body of water can also be added to your insurance policy.