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What is Aviva Overland Water Insurance?

Home Insurance

By Joanne Lemna | March 15, 2016

In 2013 Canadian homeowners received $3.2 billion in claims repayments to cover damages after a record breaking year of damages and losses due to weather across the country. By far the most catastrophic damage was caused by flooding.

According to theNational Flood Insurance Program(NFIP) a six-inch flood in a 2 000-square-foot home will cause up to $40 000 in damage sometimes more. You don’t have to live in a flood-prone area to be at risk for flooding .  While flooding can occur from rivers and lakes breaking their banks and flowing overland floods also occur when there’s excessive rainfall and rain-bursts melting snow landslides and other weather-related events.

Until recently most homeowners’ insurance policies didn’t include coverage for damage caused by flooding. Aviva became thefirst Canadian insurance companyto offer such protection through their overland water endorsement in the spring of 2015.

Who is eligible for Aviva Overland Water Protection?

If you have a home condo or renter’s policy with Aviva talk to your brokerabout your eligibility.

What is covered?

Overland water specifically covers:

  • sudden accumulation of water after heavy rains or spring run off
  • overflow of lakes and rivers

It is paired withsewer back-up coverageso that you are also covered for back-up or escape of water or sewage from your sewage system.

How much does it cost?

The amount you pay will vary depending on the flood risk of your home and whatmitigation measuresyou have in place. It can cost as little as $40 per year about the same as sewer back-up protection.

To learn more pleasespeak with your broker. They’ll be happy to answer your questions and see if this coverage is right for you.

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