Keep your home safe and your head above water with our Enhanced Water Damage Package

Don’t get left out to dry. Consider the Enhanced Water Damage Package from belairdirect.

What is the Enhanced Water Damage Package?

The Enhanced Water Damage Package could help protect you from paying out of pocket for costly repairs to your home caused by water damage. Although a Total Tranquility home insurance policy with belairdirect includes specific water damages, such as a burst pipe or a malfunctioning appliance like a dishwasher or washing machine, there are many scenarios where water damage may not be covered.

The Enhanced Water Damage Package could protect you from paying for water damage not specifically listed in your insurance policy.

What does the Enhanced Water Damage Package cover?

With an optional Enhanced Water Damage Package from belairdirect, your home could be protected from water damage caused by an external source. This can include:

  • A malfunctioning sump pump
  • A backed-up sewer
  • Above-ground water damage

With the Enhanced Water Damage Package in place on your home insurance policy, you can get peace of mind knowing you have the coverage needed to keep your home protected without being hung out to dry.

What kind of water damage is covered under home insurance coverage?

Although your home insurance will most likely cover certain types of water damage, the coverage included may not cover every scenario.

A Total Tranquility home insurance policy with belairdirect will cover accidental water damage from an internal source such as a leaking appliance, faulty plumbing, or an accident involving an overflowing sink or bathtub.

The water damage coverages within your home insurance policy may not cover incidents such as sewer backups, or flooding caused by a malfunctioning sump pump.

It is important to note that water damage caused by neglected repairs (refusing to repair a roof, not cleaning your gutters for an extended period of time, etc.) may not be covered by your homeowners insurance policy.

Refer to your insurance policy to see what is specifically covered, or talk to an insurance agent if you still have questions.

Is there a home insurance endorsement that can protect me from water damage caused by flooding?

Flood insurance, or overland coverage, is a specific insurance coverage not offered by belairdirect within the base policy. Overland coverage could compensate you for the flood damage that your home could sustain after a natural disaster.

An insurer may offer you an insurance endorsement that covers sewer backup, such as the Water Damage endorsement from belairdirect. With the Water Damage endorsement, your home could be protected against both types of above-water damage including ground water, sewer overflows, and stream overflows.

Overland coverage is often limited based on individual risks and location, and is not available in all locations. Talk to an insurance agent to see if overland coverage is right for you.

Internal water sources vs external water sources: What’s the difference?

Internal water sources refer to leaks that occur from sources that are expected to be within your home. These include overflowing water from faucets and bathtubs, leaks caused by dishwashers and washing machines, frozen water pipes and internal damage caused by leaks.

External water sources are classified as unwanted water that originates from an outside source and finds itself within your home. This can include sewer backups, basement flooding caused by a malfunctioning sump pump, or flooding caused by a river or nearby body of water.

Although the damage caused by water is the same no matter where it comes from, where it originates is important to your insurer as it allows them to determine the coverage that might take effect after a covered incident.

Has your home suffered water damage?

*Please refer to your insurance policy for further details regarding specific benefits for your province.

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