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Comprehensive Water insurance: coverage designed for your peace of mind. Talk to your local Co-operators advisor today.

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Flood insurance in Alberta

Canadian weather is becoming increasingly destructive: help keep your home protected with flood insurance in Alberta. Water-related natural disasters are some of the most common and costly type of natural disasters in Canada, yet many Albertans incorrectly assume they are insured against the effects of flooding. But now The Co-operators has you covered with Comprehensive Water insurance for coverage against water damage caused by sewer and water backups, flooding, surface water buildup from extreme weather, and rising of the water table.

What sets us apart?

Repairing flood damage can run homeowners thousands of dollars, so our flood damage insurance is competitively priced. Yet that's not the only thing that sets us apart. Thanks to our network of advisors in Alberta and beyond, you can always count on getting the best service and specialized advice on your flood insurance coverage options. After all, you might require more details than the cost of coverage considering this type of insurance is relatively new to Canada. Team up with us and find out how we’ve succeeded to put our members and communities first as a co-operative for over 70 years.

Water damage: know your risk and get covered

If you are an Alberta homeowner, you can now get Comprehensive Water coverage, which has been developed to protect your home from many different types of water damage, including flooding, which is not included in home insurance. Comprehensive Water protects your buildings, personal property and detached structures, and offers up to six weeks of living expenses if you need to be out of your home while it’s being repaired. In the event your entire home must be rebuilt, you have the choice to rebuild or walk away from your original location; either way, we will still pay the claim.

If you’re ready to learn more about flood insurance in Alberta, simply choose your city to find your local insurance advisor. We will walk you through the coverage, help you get to know your home’s risk and equip you with steps you can take today to minimize your chances of water damage. You can learn more about your property’s risk level right now by using our free online assessment tool. Choose The Co-operators and get the coverage that makes sense for you and your family.

Comprehensive Water insurance includes:

  • A single, all-inclusive coverage limit: Choose one coverage amount to use for your property, loss of use, cleanup and debris removal, swimming pools or hot tubs, or changes you have to make to comply with bylaws.
  • Flexible deductible: Instead of paying a flat dollar amount, your deductible is a percentage of the claim amount, from 2% to 35%, with a $1,000 minimum.
  • Tailored protection: Get personalized coverage limits tailored to your individual needs.
  • Exclusive discounts: Benefit from discounts provided for installing loss prevention devices, such as a backflow prevention device or sump pump with a secondary emergency backup.
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