Flooding is a risk for Saint-Jean-sur-Richelieu residents. The Richelieu River flows through the city, and in the spring rain and melting snow can combine to leave the ground saturated.
Home insurance coverage in Saint-Jean-sur-Richelieu, like coverage throughout Canada, usually excludes damage from flooding and backed-up sewers (which often result from a flood).
If you want insurance for these perils, you can opt for special coverage. Flood protection is offered by most home insurance providers. It may be an independent insurance product or an optional item you can add to your home insurance policy.