Overland Water Flooding insurance offers protection for loss or damage related to water entering your home through windows and doors at the ground level due to sudden accumulation of water from heavy rains, spring run-off, or overflow from lakes or rivers.

Do you need Overland Water coverage if you live on the higher floor of a building?
Let’s say you live in a high-rise condo and the lower part of your building is badly damaged – so much so that you need to relocate. In this case, Overland Water coverage would help cover extra living expenses, such as needing to stay at a hotel and eating out for a few weeks. It’s also a coverage to consider if you have items stored on a lower level. Any items stored in a basement locker that are damaged by this type of flooding would only be protected if you have Overland Water Damage coverage.