Enhanced Water Coverage

The Additional Water Coverage You Need For Your Home

The Additional Water Coverage You Need For Your Home


Flooding and related sewer backup damage is costly for homeowners. In fact, in 2013 insurers paid out a record-high $3.2 billion to policy holdersi. To offer our customers greater choice, we will now provide access to two options for water damage coverage¥:

New Limited Sewer Backup Endorsement

This coverage protects your property from direct physical loss or damage caused by backing-up or escape of water from a sewer, sump or septic tank.

New Enhanced Water Coverage Endorsement

This new coverage option provides all the coverage of the Limited Sewer Backup Endorsement, plus the enhanced protection against damage caused by fresh water flooding and damage caused by the escape of water from the eaves trough, downspout or drain.

Benefits at a Glance* Limited Sewer
Backup Endorsement
Enhanced Water Coverage Endorsement
Sewer backup



Freshwater flooding Not covered

Eaves, downspouts and drains Not covered

Saltwater, dam break, tsunami,
coastal flood

Not covered Not covered



*Please note: A Water damage deductible applies to any losses claimed under Enhanced Water Coverage and Limited Sewer Backup. This deductible will apply in lieu of the policy deductible if any water-related loss occurs. 

Johnson Inc. (“Johnson”) is a licensed insurance intermediary. Policies are primarily underwritten by Unifund Assurance Company (“Unifund”). Unifund and Johnson share common ownership.  ¥Enhanced water coverage not available for condo or tenant policies. Eligibility requirements, limitations, exclusions or additional costs may apply and/or may vary by province or territory. Policy wording prevails.