Save an average of 30% on water damage insurance in just three minutes.

Our brokers will help you secure the best water damage insurance by comparing quotes from the leading companies in Canada.

Call Us for a Free Quote
Eating at kitchen

We compare rates from Canada's top providers, including:


Water damage insurance.

Family resting on couch

The increasing amount of severe weather across the country is persuading more Canadians to protect their homes with water damage insurance coverage.

To make sure your home is properly covered, it’s important to understand how insurance companies categorize water damage.

The regard damage from water within the home is distinct from damage from water that enters the home from outside – such as by flood or thaw.

Depending on where your home is located, it may be wise to purchase both water damage insurance as well as optional flood insurance.

Speak with a licensed broker to find the best type of water damage insurance in Canada.


How does it work?

Enter your information – it takes less than three minutes.
Wall of hands
Get 10+ quotes for water damage insurance.
Secure your rate by talking to a licensed broker.

Why use

Our licensed brokers have the experience and expertise to help you find the best water damage insurance rate.

We’ve helped thousands of Canadians save millions of dollars on their insurance costs.

There’s no catch or hidden fees.

At, we’re thorough, efficient and offer informed recommendations that are 100% free..


Get a free quote today.

It’s fast, free, and help is just a call away.

Call us – we’re ready to help.

Types of water damage.

Insurance companies in Canada distinguish between different types of water damage.

For example, when you add general water damage insurance coverage to your home insurance policy, you’ll be protected financially from damage by water from within the home, such as a burst pipe or leaky appliance.

A different type of coverage — flooding insurance — must be added to your home insurance policy to protect it against damage from water that enters from outside.

Getting informed about the coverages in your policy is an essential step in making sure you have what you need.

While some policies include limited water damage coverage, others contain exclusions which mean no coverage would be provided for certain types of water damage.

Consider what type of flooding your home needs protection against:

General water damage – Refers to damage caused by water from within the home.

You might think of this type of coverage as burst pipe insurance.

Overland flooding – Refers to water that floods or seeps into your home after overflowing from a nearby lake or river. Overland flooding is common during a natural disaster, severe thunderstorm or during a thaw.

Connect with a broker at to find out if your property qualifies for overland water protection.

As overland flooding becomes more common places like Ontario and Alberta, more water damage insurance products are coming onto the market.

In parallel, many insurance companies are calling on governments to update flood plain maps so there’s a better way to gauge flooding risks in certain regions.

Tidal flooding – Refers to saltwater that floods your home following a tidal wave or tsunami.

This type of flooding is less common in Canada.

Sewer back-up – Refers to water damage after a flood of sewage in your basement. This typically happens when the stormwater system in a low-lying area is overwhelmed, causing sewage to back-up into a home.

If you live below sea level or on a flood plain, this insurance coverage type may be a very wise investment.


Water damage claims process.

Family resting on couch

Consider the following tips for water damage insurance claims:

Ensure the safety of people in your home.

Contact your broker immediately to alert them to damage and to initiate your water damage insurance claim.

If possible, take steps to limit additional damage to your home. For example, if your roof is leaking, cover the hole through which water is entering the home.

Take photos and videos of the damage.

Refer to an existing inventory of your belongings to gauge what has been damaged.

Once the claim is underway, keep all receipts for costs you’ve incurred due to the water damage.

Unless you’ve been advised to so by your insurance company, do not throw out any items that have been damaged


Frequently Asked Questions about water damage insurance coverage.

How can I reduce the cost of my water damage insurance?

In general, you can reduce the cost of home insurance by customizing your policy. For example, if your home is unlikely to be affected by a flood, you may not need coverage for overland flooding.

Another way you can save on insurance costs is by raising your deductible. If water damage is unlikely to affect your home, you’re less likely to make a claim and pay a deductible.

Before you purchase a home, research whether or not it is located on a flood plain. Too often homeowners learn belatedly that their homes are in a region vulnerable to flooding.

Does tenant insurance cover water damage?

Tenant insurance policies include coverage for water damage, if the policy holder has opted to have it.

While all tenant and home insurance policies may include limited water damage coverage, review yours carefully to make sure you’re clear on what type of water damage you’re protected against. For example, you may have coverage for sewer back-up but not have coverage for overland flooding.

Is it safe to buy water damage insurance online?

Yes, it’s 100% safe.

It’s also fast and convenient.

Get a quote online and then connect over the phone with a licensed broker

We’ll customize a policy that’s perfect for your home. With some information about the property you’re insuring, we’ll review what coverages you’d be most wise to consider. We’ll also answer any questions you may have about water damage exclusions or endorsements.