Co-owner

Insuring your condo

Whether you're the victim of theft, vandalism or fire, your home insurance covers you for these perils… including some perils caused by Mother Nature such as wind, hail or lightning.

Find out more about the perils covered by your home insurance.

And 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.

N.B. Flooding due to overflow from a body of water is never covered under home insurance.

Just like flooding due to overflow from a body of water, damage caused by landslides and other earth movements is not covered. The same goes for losses due to pollution, nuclear risks or war.

Find out more about the perils not covered under your home insurance policy.

Two insurance policies are in effect for condos, one for the condo owner's private portions and one for the condominium syndicate.

In case of loss, both policies could split the compensation. For more information, visit the Condominium Insurance page.

Perils usually covered under your insurance policy

  • Windstorms
  • Hail
  • Lightning
  • Fire or forest fires
  • Explosion and smoke
  • 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
  • Theft or attempted theft
  • Vandalism
  • Impact from objects or vehicles
  • Riots

Examples of perils not covered under your home insurance policy

  • Flooding (due to overflow from a body of water)
  • Landslides, earthquakes* and other earth movements
  • Pollution
  • Damage to property acquired illegally
  • Losses caused by criminal acts of the insured
  • Losses due to war, terrorism, nuclear risks

* Coverage for damage caused by an earthquake is available under an endorsement.

Water damage: covered or not?

Water damage: covered or not?

Most water damage is insurable. The proof: water damage is the leading cause of home insurance claims in Quebec. Learn More