11/28/2025
Before you assume your home insurance has you fully protected, here are a few common gaps many Ontario homeowners don’t realize exist:
1️⃣ Overland Flooding
Water entering your home from overflowing lakes, rivers, or heavy rain isn’t usually included. You typically need an optional overland flood endorsement.
2️⃣ Sewer Backup
Damage from a backed-up sewer, septic system, or sump pump often requires separate add-on coverage.
3️⃣ Earthquakes
Yes—Ontario can experience small earthquakes, and standard home policies generally exclude earthquake damage unless you add coverage.
4️⃣ Home-Based Business Losses
Running a business from home? Your equipment, inventory, and liability might not be covered without proper business-use add-ons.
5️⃣ Wear and Tear / Maintenance Issues
Things like aging roofs, mold, gradual leaks, or pest damage are considered maintenance and usually not insured.
🔍 Tip: Every insurer is different, so it’s important to review your policy and consider optional coverages that fit your needs.
💬 Have questions about your coverage gaps? Give me a call, I'm here to help you understand your options.
