{"id":8598,"date":"2026-03-18T12:30:26","date_gmt":"2026-03-18T16:30:26","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/12\/01\/water-damage-what-am-i-covered-for\/"},"modified":"2026-03-19T10:09:52","modified_gmt":"2026-03-19T14:09:52","slug":"water-damage-what-am-i-covered-for","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for","title":{"rendered":"Water Damage Insurance in Canada: A Guide for Homeowners"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Water Damage Insurance in Canada: A Guide for Homeowners<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-03-18T12:30:26-04:00\">March 18, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Vanessa Chiasson\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Vanessa Chiasson<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2632089781_edit.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" 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mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Water Damage Insurance in Canada: A Guide for Homeowners &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/water-damage-what-am-i-covered-for\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What forms of water damage does insurance cover?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-forms-of-water-damage-does-insurance-cover\">What forms of water damage does insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-forms-of-water-damage-does-insurance-not-cover\">What forms of water damage does insurance not cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-types-of-water-damage-coverage-in-canada\">Types of water damage coverage in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protect-your-home-from-water-damage\">Protect your home from water damage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-faqs-about-water-damage-insurance-for-homeowners\">FAQs about water damage insurance for homeowners<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>A heavy rainstorm. A frozen pipe in the dead of winter. A washing machine that suddenly overflows. Water has a way of getting into places it shouldn\u2019t in the home \u2014 and when it does, the damage can add up quickly.<\/p>\n<p>Over 30 per cent of property damage claims are caused by water<sup>,<\/sup> making it the leading cause of home insurance payouts. There\u2019s also potential that number could rise due to 1.5\u00a0million households \u2013 that\u2019s 10% of all households in Canada \u2013 are at high risk for <a href=\"https:\/\/www.statcan.gc.ca\/o1\/en\/plus\/7165-another-year-catastrophic-weather-canada\">potential flooding<\/a>. Compounding the problem is <a href=\"https:\/\/macleans.ca\/society\/canadas-aging-infrastructure-is-a-ticking-time-bomb\/\">Canada\u2019s aging infrastructure<\/a> where a quarter of the country\u2019s water mains are in need of repair.<\/p>\n<p>As extreme weather becomes more common and municipal infrastructure ages, understanding how insurance coverage for water damage works has never been more important. Here\u2019s what homeowners need to know about what kinds of water damage is covered by home insurance, what\u2019s excluded, and optional coverage available to ensure you have peace of mind.<\/p>\n<div>\n<h3><span lang=\"EN\">Key takeaways<\/span><\/h3>\n<\/div>\n<ul class=\"disc-list\">\n<li>Water damage is a leading cause of home insurance claims in Canada.\u00a0<\/li>\n<li>Insurance is designed for unexpected events, not gradual damage or maintenance issues.<\/li>\n<li>Most standard home insurance policies cover sudden and accidental water damage that originates inside your home, such as a burst pipe or an overflowing appliance.<\/li>\n<li>Flooding from outside your home, sewer backups, and rising groundwater are typically covered under optional add-on coverage.<\/li>\n<li>Even diligent homeowners are vulnerable to extreme weather and aging infrastructure, which is why investing in preventative measures is important in protecting your home.<\/li>\n<li>Because water risks vary by location, season, and property type, reviewing your policy can help ensure you have the right protection in place.<\/li>\n<\/ul>\n<div>\n<h2><span lang=\"EN\">Understanding<b> <\/b>the risks of water damage<\/span><\/h2>\n<\/div>\n<p>Most water damage in the home comes from one of two sources: internal problems, such as burst pipes or leaky appliances, or external events, such as heavy rain, flash floods, or melting snow.<\/p>\n<p>Water damage risks can also vary by season. Spring snowmelt and heavy rainfall can overwhelm municipal systems, while winter cold snaps increase the risk of frozen pipes. Where you live also matters. In urban areas, aging sewer infrastructure increases the likelihood of backups. Finally, the style of home plays a role. Apartment dwellers, for instance, usually don\u2019t worry about groundwater seepage. However, homeowners with finished basements need to consider the potential effects of seepage, as well as flooding and sewer backup.<\/p>\n<p>No matter the source, the financial impact of water damage can be significant. For example, the <a href=\"https:\/\/www.canada.ca\/en\/campaign\/flood-ready\/know-the-risks\/cost-floods.html\">average cost of a basement flood<\/a> is $43,000. Water damage can take an emotional toll, too. Seeing your beloved home and belongings damaged,\u00a0perhaps destroyed forever, is heartbreaking. There\u2019s also the worry that comes with damage from mold and mildew, as well as the disruption from major repair work.\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/how-to-safely-store-your-important-documents-at-home\/\">How to safely store important documents at home<\/a>.<\/span><\/p>\n<div>\n<h2><span lang=\"EN\">What is water damage insurance in Canada?<\/span><\/h2>\n<\/div>\n<p>Water damage insurance is <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\">part of your home insurance<\/a> policy. It helps cover your costs if something unexpected happens from water damage in your property. Most standard home insurance policies include coverage for sudden and accidental internal water escape.<\/p>\n<p>However, not all types of water damage is covered under a basic <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\">home insurance policy<\/a>, so it\u2019s important to know what is and isn\u2019t included. For instance, protection against risks such as sewer backups, sump pump failures, and overland flooding typically requires additional optional policies. The right coverage for water damage depends on your home and where you live as not every location in Canada is eligible for some endorcements. Speak to your insurance provider to learn more.<\/p>\n<h3>Standard (included) coverage:<\/h3>\n<p>Standard comprehensive policies generally cover sudden and accidental internal water escape, including:<\/p>\n<ul class=\"disc-list\">\n<li>Burst pipes<\/li>\n<li>Appliance malfunctions<\/li>\n<li>Water main damage\u00a0<\/li>\n<\/ul>\n<p>Keep in mind, insurance usually covers the damage water causes\u2014like ruined floors, drywall, or your belongings\u2014but not the cost to fix or replace the broken pipe or appliance itself.<\/p>\n<h3>Optional (add-on) coverage:<\/h3>\n<p>Optional endorsements increase protection for your property to include external factors, including:<\/p>\n<ul class=\"disc-list\">\n<li>Sewer backup<\/li>\n<li>Overland water (flood)<\/li>\n<li>Service line coverage<\/li>\n<\/ul>\n<h2 id=\"h-what-forms-of-water-damage-does-insurance-cover\">What forms of water damage does insurance cover?<\/h2>\n<p>Leaks and burst pipes are among the most common reasons Canadians file water damage claims, but water can cause trouble in many ways. Most home insurance covers sudden and accidental water damage, including:<\/p>\n<h3>Internal systems and plumbing<\/h3>\n<p>This means damage to the pipes and water systems that keep your home running smoothly, including:<\/p>\n<ul class=\"disc-list\">\n<li><strong>Burst or frozen pipes:<\/strong> Coverage usually applies to sudden ruptures in plumbing, heating, or air conditioning systems.<\/li>\n<li><strong>Plumbing failures:<\/strong> Includes accidental escape of water or steam from indoor plumbing, fixtures, or sprinkler systems.<\/li>\n<\/ul>\n<h3>Household appliances and containers<\/h3>\n<p>Standard policies often cover unexpected \u201cindoor floods\u201d caused by everyday household items, including:<\/p>\n<ul class=\"disc-list\">\n<li><strong>Malfunctioning appliances:<\/strong> Overflows or sudden leaks from appliances such as washing machines, dishwashers, and refrigerators are typically covered.<\/li>\n<li><strong>Domestic water containers:<\/strong> Accidental overflows from hot water tanks, bathtubs, sinks, and toilets are generally included.<\/li>\n<\/ul>\n<h3>Exterior infrastructure and storm damage<\/h3>\n<p>Some types of exterior water damage require additional coverage, but a basic policy usually covers the following:<\/p>\n<ul class=\"disc-list\">\n<li><strong>Public infrastructure:<\/strong> Damage caused by a break in a municipal water main is commonly covered.<\/li>\n<li><strong>Storm-caused openings:<\/strong> If wind or hail suddenly breaks a window or makes a hole in your roof, insurance usually covers the water damage that gets inside.<\/li>\n<li><strong>Ice damming and roof leaks:<\/strong> Many policies cover damage from ice dams that push melting water under your shingles, and leaks through eavestroughs or downspouts.<\/li>\n<\/ul>\n<p>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/what-homeowners-need-to-know-about-ice-damming\/\">What homeowners need to know about ice damming<\/a>.<\/p>\n<h2 style=\"font-weight: 400;\" id=\"h-what-forms-of-water-damage-does-insurance-not-cover\">What forms of water damage does insurance not cover?<\/h2>\n<p>Not all water damage to property is covered by insurance. These are important exclusions to consider:<\/p>\n<h3>Gradual damage and lack of maintenance<\/h3>\n<p>\u200bHome insurance is there for sudden problems, not ongoing maintenance. Slow leaks, repeated seepage, or pipes that freeze when the heat is turned off are typically not covered. If outdoor containers or appliances freeze because you didn\u2019t take precautions, that\u2019s often not covered either.<\/p>\n<h3>Overland floods and sewer backups<\/h3>\n<p>Basic home insurance usually doesn\u2019t cover flooding from outside (including when <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/prevent-minimize-property-damage\/\">the snow melts in spring<\/a>) rising groundwater, or sewer backups. You\u2019ll need to add extra coverage for these risks.<\/p>\n<h3>Groundwater seepage<\/h3>\n<p>If water slowly seeps in through your foundation, basement floor, or window wells, it\u2019s typically considered a maintenance issue. However, you can purchase coverage for sudden and accidental groundwater entry to cover you from groundwater entry. \u00a0<\/p>\n<h3>Unoccupied homes<\/h3>\n<p>If your home is empty for more than 30 days in a row, most water damage coverage stops. Empty homes are riskier because a small leak can turn into a big problem before anyone notices. You\u2019ll usually need special permission or inspections to keep your coverage. If your home is considered vacant and your home insurer has agreed to continue coverage, water damage coverage is usually not covered.<\/p>\n<h3>Coastal flooding and storm surges<\/h3>\n<p>Even with extra coverage, most Canadian home insurance won\u2019t cover damage from ocean water, like tidal waves, tsunamis, or storm surges. Damage from spray, ice, or debris from these events is also usually excluded.<\/p>\n<h2 id=\"h-types-of-water-damage-coverage-in-canada\">Types of water damage coverage in Canada<\/h2>\n<h3>Accidental or sudden water damage coverage<\/h3>\n<p>This is the basic coverage in most Canadian home insurance policies. It covers sudden or accidental water problems inside your home, such as burst pipes, leaky dishwashers, or plumbing failures. It covers the damage to your walls, floors, and belongings, but not the cost of fixing or replacing the broken pipe or appliance. You\u2019ll still need to pay your deductible, and coverage has limits.<\/p>\n<h3>Sewer backup coverage<\/h3>\n<p>This <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/prevent-minimize-property-damage\/\">extra property coverage<\/a> protects you if wastewater comes into your home through floor drains, toilets, or sinks. Overloaded city systems or dysfunctional sump pumps are often to blame. Since basic insurance doesn\u2019t cover sewage coming in from outside, this add-on is the main way to protect yourself from one of the most expensive and stressful types of water damage. It\u2019s especially important if you have a finished basement or live in an area with older pipes.<\/p>\n<h3>Overland water coverage<\/h3>\n<p>Overland water coverage protects you from flooding that starts at ground level\u2014like heavy rain, fast snowmelt, or overflowing rivers and lakes. With severe weather becoming more common, this coverage is a smart choice if you live in a low-lying area or in an area that floods in the spring. It\u2019s often bundled with sewer backup coverage, since both can happen during big storms.<\/p>\n<h3>Groundwater coverage<\/h3>\n<p>Some insurers offer this extra coverage for damage caused by water rising from underground sources through your foundation, basement walls, or floors. It\u2019s different from overland flood insurance because it covers water coming up from below, not flowing in from outside. This coverage is usually just for sudden problems, not long-term foundation issues or missed maintenance. It\u2019s important to note, not all insurance companies offer this type of coverage, so check with your provider to confirm.<\/p>\n<h2 id=\"h-protect-your-home-from-water-damage\">Protect your home from water damage<\/h2>\n<p>Regular maintenance can help <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/ten-ways-to-prevent-water-damage-to-your-home\/\">lower your risk of water damage<\/a>. On the inside of your home, checking your plumbing, maintaining your appliances, and installing smart leak detectors are all good preventative measures. You should also consider installing a backwater valve to reduce sewer backup risk and test your sump pump annually.<\/p>\n<p>On the outside, ensure proper grading around your foundation, clean eavestroughs and downspouts regularly, and insulate exposed pipes in colder months. If you\u2019re away, \u00a0arrange for someone to check in on your home regularly.<\/p>\n<p>Knowing what your home insurance policy covers is the best way to avoid unexpected costs. Review the details, such as coverage for sewer back up and overland flood, and confirm your deductible amounts as there is sometimes a different deductible for water claims. Finally, don\u2019t forget to update your coverage after significant renovations. Updating your coverage doesn\u2019t always mean an increase in your premiums, but will ensure you have the right coverage in the event of a claim.<\/p>\n<p>Have questions? Talk to your insurance representative to discuss your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\">home insurance options<\/a> and water damage coverage to protect your home and your personal property.<\/p>\n<h2 id=\"h-faqs-about-water-damage-insurance-for-homeowners\">FAQs about water damage insurance for homeowners<\/h2>\n<h3>Does home insurance cover water damage in Canada?<\/h3>\n<p>Most standard home insurance policies cover what\u2019s known as sudden and accidental internal water damage. That includes things such as from a burst pipe or defective appliance. Coverage for external threats\u2014such as sewer backups, rising groundwater, or overland flooding\u2014typically requires add-on coverage.<\/p>\n<h3>Is sewer backup covered by home insurance?<\/h3>\n<p>Sewer backup coverage is not automatically included in most standard policies. It is available as an optional add-on and is strongly recommended for homeowners.<\/p>\n<h3>Do I need overland water insurance in Canada?<\/h3>\n<p>It depends on where you live \u2014 but for many Canadians, the answer is increasingly yes. Flood damage is on the rise in Canada and overland water insurance is increasingly important. This is especially true for homeowners in low-lying areas or districts prone to heavy rainfall and rapid snowmelt.<\/p>\n<h3>Are frozen pipes covered by home insurance?<\/h3>\n<p>Generally speaking, yes. Damage from frozen pipes is usually covered if it happens unexpectedly and you\u2019ve taken reasonable precautions. However, if your home was left unheated or unattended for an extended period without reasonable precautions, your claim may be denied.<\/p>\n<h3>My basement flooded, will I be covered?<\/h3>\n<p>Your insurance coverage depends on the source of the water and the specifics of your policy. A flood caused by a burst internal pipe is typically covered under a standard policy. However, if water entered through your foundation or backed up through a drain, coverage generally only applies if you have added overland water, or sewer backup protection.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-great-rates-and-expert-advice-on-home-insurance\">Great Rates and Expert Advice on Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H1&amp;Lang=EN\" data-dig-id=\"LP-HomeInsurance-8598-476a44f4\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H1&amp;Lang=EN \">Get My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-8598-b9b85995\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to water damage in your home, make sure you&#8217;re covered.  See what you need to know about your home insurance policy.<\/p>\n","protected":false},"author":106,"featured_media":35075,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48],"tags":[14,52],"article-type":[80],"ppma_author":[],"class_list":["post-8598","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","tag-home-maintenance","tag-winter-weather","article-type-advice-learning"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Water Damage: What Am I Covered For? | RBC Insurance<\/title>\n<meta name=\"description\" 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property=\"article:author\" content=\"Vanessa Chiasson\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-18T16:30:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-19T14:09:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/03\/shutterstock_2632089781_edit.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Find out how you&#039;re covered for water damage in your home insurance policy \u2014 and when you&#039;re not.\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vanessa Chiasson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" 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