Overland Water Insurance

Protect your assets in the event of a disaster.

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Overland water insurance throughout New Brunswick.

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.

Three major myths about overland water insurance mean you could be taking an unnecessary risk.

The first is that overland water insurance is only needed for people living in designated overland water zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.

Another myth is that homeowners insurance automatically includes overland water insurance. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your homeowners policy specifically says otherwise.

There could be disaster relief programs that may be offered but only under very strict conditions.  You may not qualify for assistance if you could have bought the coverage and declined to purchase it.

For most homeowners, floods are a low-likelihood but high-cost risk. If you are hit by flooding you could lose many or most of your personal possessions, face major reconstruction work, and be left homeless for months while your property is made habitable again. In most cases, not having overland water insurance is a chance you simply can’t afford to take.

Contact us and we’ll help explain the benefits of adding the overland water endorsement to your home insurance policy.

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