Overland water insurance is one of those optional coverage add-ons you can purchase for an increased premium that
insures your home against fresh water that flows above ground. Many cases of water damage will not be covered by
standard property insurance, save for cases where an insured peril causes a vulnerability through which rain or
groundwater enters. Another endorsement worth considering that is offered by most insurance providers is sewer
backup insurance, which covers your home if it is damaged due to sewer backup. >Water
damage is one of the biggest causes of property damage in Ontario, so be sure to ask your broker about
eligibility for these add-ons.