Flood, Ground Water and Buried Utility Lines Coverage
Definity Financial Corporation has purchased the personal insurance business and the majority of the commercial insurance business of Travelers Canada.
Rest assured this change in ownership does not affect your policy or coverage. We’re committed to ensuring this transition is smooth and easy for you.
Protect your home from water damage
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.
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:
Coverage bundle #1
- Sewer Back-Up and Surface Water
- Buried Utility Lines*
Coverage bundle #2
- Sewer Back-Up and Surface Water
- Flood
- Buried Utility Lines*
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.
Homeowners insurance (Opens in a new window)
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.
Tenants
- Sewer Back-Up and Surface Water
- Flood
Condominiums
- Sewer Back-Up and Surface Water
- Flood
Seasonals
- Sewer Back-Up and Surface Water
- Flood
- Ground Water
- Buried Utility Lines
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.
Home Safety
How to Help 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.
Weather Safety
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.
Weather Safety
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.
