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  • Flood, Ground Water and Buried Utility Lines Coverage

Protect your home from water damage

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HUB Insurance Hunter is an independent online insurance brokerage. Its team of insurance brokers helps Canadians compare rates and save money on car, home and other types of insurance. Get help purchasing a policy from a dedicated, fully-licensed insurance professional.

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Flood, Ground Water and Buried Utility Lines Coverage

At Travelers Canada, our goal is to be your insurance company of choice. We are working hard to provide you with the products and services that give you the confidence and peace of mind you deserve.

We are pleased to offer new optional coverages that you may want to add to your current home insurance policy with us. You will soon be able to purchase additional coverage for Flood, Ground Water and Buried Utility Lines. To be eligible to add these new coverages to your existing home policy, you will need to have Sewer Back-up and Surface Water coverage.

  

Understanding Water Coverages

Insurance is complicated, but it doesn’t need to be. Here’s what you need to know to help you better understand these different coverages.

  • Sewer Back-up coverage protects against damage caused by the backing up of water from a sewer or sump located inside your home, or from your septic tank.
  • Surface Water coverage protects against damage caused by water pooling and entering your home through windows or doors from ground level.


Newly Available Coverages:

  • Flood coverage protects against the damage resulting from the overflow of inland water such as a river, lake or stream.
  • Ground Water coverage protects against damage caused by ground water that enters your home through basement walls or floors. This does not protect you against flood water that enters your home.
  • Buried Utility Lines covers the costs of repairing or replacing underground utility wiring and piping including lines leaks, breaks, tears, ruptures, collapses or arcs.

View our coverage highlights.

  

What Coverage Is Right For Your Home?

These new coverages provide additional protection above our current Sewer Back-up and Surface Water coverages. Here’s a breakdown of how you can bundle these coverages:

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Coverage Bundle #1

- Sewer Back-Up and Surface Water
- Buried Utility Lines*

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Coverage Bundle #2

- Sewer Back-Up and Surface Water
- Flood
- Buried Utility Lines*

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Coverage Bundle #3

- Sewer Back-Up and Surface Water
- Flood
- Ground Water
- Buried Utility Lines*

*Buried Utility Lines Coverage can be purchased independently. To review all coverage options, please contact your broker.

  

Coverage Availability by form:

These new optional coverages allow you to tailor your insurance policy to your personal needs. If you are interested in adding these new coverages to your policy, please contact your broker to discuss.

Houses

Homeowners Insurance

A homeowners policy is recommended for anyone who owns a home and may even be required by your mortgage lender. You will need separate coverage to help protect your home and personal belongings against damage due to floods or earthquakes.

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Tenants

- Sewer Back-Up and Surface Water
- Flood

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Condominiums

- Sewer Back-Up and Surface Water
- Flood

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Seasonals

- Sewer Back-Up and Surface Water
- Flood
- Ground Water
- Buried Utility Lines

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Rentals

- Sewer Back-Up and Surface Water
- Flood
- Buried Utility Lines

   

  

Water Safety: Prepare and Prevent

You love your home. That’s why our priority is helping you protect it and avoid a claim in the first place. We have tips on how you can make your home safer and minimize the risk of damage to your property. And if the unexpected does happen, you can rest assured that we’ll be there when you need us most.

Water damage

How to Prevent Water Damage

Knowing the causes of home water damage and signs of a problem can help prevent long-term problems. Learn how to prevent water damage with Travelers Canada.

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Flood Damage Prevention

Looking for information on how to help protect your property from flood damage? These tips from Travelers Canada can help you protect your home before, during and after a flood.

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Protecting Your Home from Storm Water Damage

While you cannot prevent against all damage from storm water runoff during large acts of nature, these steps can help protect your home when storms do hit.

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© 2025 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in Canada, the U.S. and other countries. Travelers Insurance Company of Canada, The Dominion of Canada General Insurance Company and St. Paul Fire and Marine Insurance Company (Canada Branch) are the Canadian licensed insurers known as Travelers Canada.

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*For new customers only. If you are currently a Travelers Canada customer, please reach out to your current broker.

Online quotes are currently available for Ontario only. For provinces other than Ontario, quotes can be obtained through your independent broker.