Water is beautiful.

Until it isn't.

Why Aviva

Water Protection?

features & benefits

  • First to offer this protection

    Aviva is the first insurance provider to offer overland water protection across Canada through our personal property insurance policies.

  • Extends existing water coverages

    Overland water coverage is a key part of Aviva Water Protection, which also includes your base policy water protection and sewer back-up coverage.

  • Wide range of properties

    Coverage is available for owners or tenants of houses, condos, rental properties, seasonal properties or secondary properties, where sewer back-up protection is in place.

  • High rate of eligibility

    Coverage is available to approximately 94% of our customers – at affordable premiums in most areas.

  • Extensive protections

    Overland water protection covers losses from the sudden accumulation or run-off of surface waters – including torrential rainfall or spring thaw – and from overflows from any body of fresh water.

  • Timely coverage – for a wetter world

    Canada has become wetter since the 1950s, with an increase in average annual precipitation of 16%. Severe weather damage claims paid by Canadian insurers increased more than 13 fold over the past 30 years.


quick tips


    Roof Check the condition of your roof. Even small leaks can be a sign of much bigger problems. Excessive icicles in winter could mean poor ventilation or heat escape in the attic that can lead to ice damming and leaks.


    Eaves and windows Keep eaves troughs and window wells clear of debris. Ensure that below-grade window wells have a drain – and seal window wells, cracks in floors, walls and your home’s foundation.


    Heat levels Be sure to maintain adequate levels of heat in your home to keep pipes from freezing – and have someone check your home regularly if you are away.


    Alarms and sensors Install a water sensor and alarm that can detect a water leak, or a smart home monitoring system that lets you monitor key conditions in your home from an app on your phone.


    Hot water Consider a tankless water system the next time you replace your hot water tank.                                                                        


    Hoses Use steel-braided hoses for washing machine and dishwasher connections as well as bathroom and laundry room sinks.


    Downspouts Downspouts should be directed at least 1.5 metres away from your home’s foundation.                                                                                                                                                


    Footing drains Ensure footing drains direct water to a storm sewer or sump pump, away from the foundation.                                                                                                                                                


    Sump pump Ensure the sump pump (a pump that removes water that has accumulated in a sump basin, usually in the basement) is connected to the storm sewer system or empties onto the lawn at least 1.5 metres from the foundation wall.


    Sewer pipe protection Have a mainline “normally open” backwater valve professionally installed. This plumbing device allows the flow of waste in one direction only – from your property towards the sewer line, but not in reverse.                                                                                                                                                


    Caps Seal and tighten cleanout and backwater valve caps.                                                                                                                                                


    Storage Do not keep valuables or important documents in the basement – or, if you do, protect them in watertight or water-resistant containers.                                                                                                                                                




Aviva Canada has partnered with the 'Ready When the Time Comes' program, to support and provide much needed volunteer capacity during large-scale disasters.

Every day, Red Cross volunteers are mobilized to respond during disasters ranging from house fires to forest fires, tornadoes and flooding. Their priority is to help the people affected by offering comfort and meeting their basic needs including shelter, food, clothing and personal items.

Established in 1964, the Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Aviva works in partnership with IBC and governments at all levels to mitigate damage and loss caused by severe weather events.

The Institute for Catastrophic Loss Reduction (ICLR) is a world-class centre for multi-disciplinary disaster prevention research and communications. The ICLR was established by Canada’s property and casualty (p&c) insurance industry as an independent, not-for-profit research institute affiliated with the University of Western Ontario. Institute staff and research associates are international leaders in wind and seismic engineering, atmospheric science, risk perception, hydrology, economics, geography, health sciences, public policy and a number of other disciplines.

frequently asked questions


It's easy to arrange coverage – just talk to your broker

It can be added to your policy if you qualify, like any other endorsement – provided sewer back-up coverage is in place.

For general information, call us at 1-800-387-4518. You can also reach us by mail at: Aviva Canada Inc., 10 Aviva Way Suite 100, Markham, Ontario L6G 0G1.