Additional water damage coverage
There’s no place like home. Large or small, the structure you live in is filled with your treasured possessions and dearest memories. In Ontario, Alberta, Nova Scotia and New Brunswick Allstate has water damage insurance policy options which eligible customers can add to their property policy.
Water damage is a leading threat to homeowners, condominium dwellers, and tenants of rental properties. Threats to your home and property can come from burst pipes, leaking appliances, storm waters, spring thaw, accumulated rain, and other types of fresh water flooding.
The base policy water coverage is included in every Allstate property insurance policy.
You can also choose additional coverage with Allstate’s water protection endorsements to ensure you have the right coverage to suit your needs (for eligible customers):
Limited Sewer Backup (ON, AB, Maritimes)
Enhanced Water Damage (ON, AB, Maritimes)
Allstate’s Limited Sewer Backup endorsement provides coverage you can count on for damage caused by the escape of water from a sewer, drains, sump pit or septic pump.
Insurance claims due to water damage are on the rise. When water backs up from a municipal sewer system or private septic system, and invades your home, Allstate’s Limited Sewer Backup Insurance has you covered.
The Limited Sewer Backup Insurance also covers water damage resulting from a malfunction of your sump pump. It is available to homeowners, condominium and rental and tenant policies in Ontario, New Brunswick, Nova Scotia, and Alberta.
Comprehensive coverage for service lines – Allstate doesn’t just cover the repair or replacement of water and sewer lines as other companies do. Our comprehensive coverage includes expenses (up to $10,000) related to the repair or replacement of damaged service lines – water, sewer, gas, electricity, cable and phone lines.
In the event of a loss due to a sewer backup, the coverage offers up to $1,000 toward the cost of installation of a certified back flow valve and/or sump pump with backup power.
To provide homeowners, condominium owners, and rental property tenants with better coverage, our Enhanced Water Damage Endorsement has been crafted to meet the needs of our customers.
To find out more about Allstate’s Limited Sewer Backup Insurance and Enhanced Water Damage Endorsements, contact your local Allstate agent or call 1-800-ALLSTATE now.
Water damage frequently asked questions
(for Ontario, New Brunswick, Nova Scotia, and Alberta residents)
What is the enhanced water damage coverage?
How does the enhanced water damage endorsement cover your home for overland water damage?
It covers damage to your home due to water that accumulates upon or on submerged land which is usually dry. This includes:
• Unusual and rapid accumulation of rain or runoff water not caused by escape of water from a domestic water container or water main.
• The rising of, breaking out, or the overflow of any body of water or watercourse, whether natural or man-made (e.g. riverine flooding).
The enhanced water damage coverage also covers sewer backup damage resulting from overland water where there is evidence that overland water entered the dwelling or detached private structure where the loss occurred.
How is it different from other water damage coverage offered by other insurance companies?
What’s unique about Allstate’s coverage is that it provides homeowners, condominium owners, and rental property tenants, better protection for service lines. Allstate doesn’t just cover the repair or replacement of water and sewer lines as other companies do. We cover expenses (up to $10,000) related to the repair or replacement of damaged service lines. This includes water, sewer, gas, electricity, cable and phone lines.
In the event of sewer backup, the coverage also offers up to $1,000 towards the cost to purchase and install a certified back flow valve and/or sump pump with backup power.
What am i covered for with the enhanced water damage coverage?
• Damage caused by the escape of water from a sewer, drain, sump pit or septic pump.
• Water damage resulting from the malfunction of your sump pump.
• Unusual and rapid accumulation of rain that enters your home through basement windows, leaks in your basement floor or wall, or through your garage door.
• Overflow of water from a body of fresh water such as a river, stream, or lake.
• The unusual and rapid accumulation of ground or surface water which causes water to enter your home.
• Expenses you incur in the installation of a certified back flow valve and/or a sump pump with back-up power supply after a covered loss.
• Damage to your service line(s) that are a direct result of a service line failure.
What’s not covered under the enhanced water damage coverage?
• Damage due to tides, tidal waves, storm surge, tsunamis, and other types of coastal flooding.
• Leaking and/or continuous seepage through your roof, walls or foundation caused by wear and tear or ill repair.
• Accidental or intentional breach of a dam or levee.
What am i covered for with the limited sewer backup endorsement?
• Damage caused by the escape of water from a sewer, drain, sump pit, or septic tank on your property.
• Water damage resulting from the malfunction of your septic pump.
• When dealing with a covered loss, you’ll be reimbursed up to $1,000 if you install a certified back flow valve and/or sump pump with backup power.
What’s not covered by the limited sewer backup insurance?
• Damage due to tides, tidal waves, storm surge, tsunamis, and other types of coastal flooding.
• Leaking and/or continuous seepage through your roof, walls or foundation caused by wear and tear or ill repair.
• Accidental or intentional breach of a dam or levee.
How do I purchase either of these coverages?
What if i have more questions?
For general inquiries, contact your local Allstate agent, call us at 1-800-allstate ( (1-800-255-7828) or contact us online – we’re here for you!
For more advice on how to protect your property, visit Allstate’s blog at goodhandsadvice.ca. Also follow us on Facebook and X @allstatecanada!
Find a local Allstate agency.
*Terms and Conditions apply, please contact your Allstate Agent for additional information, at all times the terms of your insurance policy will govern.
