infoassurance - Covered Perils

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Having trouble getting insurance?

Perils usually covered by your home insurance contract

Fire or forest fires
Theft or attempted theft
Vandalism
Discharge or overflow of public water mains carrying drinking water
Discharge or overflow of plumbing systems or appliances such as bathtubs, toilets, washing machines or dishwashers
Windstorms
Hail
Lightning
Explosion and smoke
Impact from objects or vehicles
Riots

Perils covered by adding endorsements

Water damage caused by seepage

Water damage caused by sewer backup

Water damage caused by a body of water overflow (flooding)

Damage resulting from an earthquake

Perils not covered by most insurance contracts

Landslides and other earth movements
Pollution
Damage to property illegally acquired
Losses caused by criminal acts of the insured
Losses due to war, terrorism, nuclear risks

What about water damage?

The bathtub overflows, the roof leaks or the river spills its banks … It’s sometimes difficult to figure out under what circumstances your home insurance will compensate you if you’re a victim of water damage.

Water damage can happen in different ways in your home. Your insurance will cover you under certain specific circumstances:

Damage caused by the discharge or overflow of public water mains carrying drinking water
Damage caused by the discharge or overflow of plumbing systems or appliances such as bathtubs or dishwashers

When it comes to sewer backup or water seepage through the roof, you’ll be covered if you added additional coverage, known as an endorsement, to your insurance policy.