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Flood insurance in Spirit River, AB

The number of severe storms in Canada has risen dramatically in recent years, which means homeowners, renters and landlords in Spirit River are more aware about flood insurance than ever before. Local Co-operators Insurance Advisors across the province can answer any questions you might have about flood insurance. Fortunately, you can put an end to your worries with Comprehensive Water coverage, a new offering in Alberta from The Co-operators.

What sets us apart?

Flood damage can cost thousands of dollars for homeowners to repair, but our flood damage insurance is fairly priced. Yet that’s just one example of what sets us apart. With our strong network of advisors across Spirit River and beyond, you’ll have access to the best customer service and expert advice on flood insurance coverage. After all, being a relatively new type of insurance in Canada, you’re likely to have questions beyond the cost of coverage. Work with us and find out why we've thrived as a co-operative for more than 70 years—always putting our members and communities first.

We can't predict the weather but we can protect your home

It's true that Canada was one of the very few developed nations without flooding insurance until very recently. This lack of coverage came to the forefront in 2013, when Canada faced its most destructive year to date for weather-related damage. However, you can now feel good knowing The Co-operators offers Comprehensive Water coverage to clients in Spirit River and across Alberta. Get started by using our free online assessment to find out your home’s risk level right now.

You don’t have to wait to better protect your home from water damage: take action now by sealing any cracks in your foundation walls and basement floors, cleaning your eavestroughs on a regular basis, installing downspouts and keeping storm drains clear of debris, among other steps.

To learn more about flood insurance and to review your options, get in touch with your local Co-operators advisor in Spirit River today.

Our Comprehensive Water coverage is:

  • Simple: This one product covers you for damage caused by sewer or water backup, flooding caused by an overflow of a body of water, buildup of surface water caused by extreme weather events, and underground water that rises and comes into your home.
  • Customizable: Get the coverage limits that best suit your individual needs.
  • Flexible: Deductibles are a percentage of the claim amount between 2% and 35% with a $1,000 minimum.
  • Budget-friendly: If you install loss prevention devices, including a backflow prevention device or a primary sump pump with a secondary automatic powered backup, we will reward you with a discount.
  • Extensive: Our coverage doesn't stop at the building itself: it also includes your personal property, detached structures and costs incurred if you have to move out during repairs. In the event of a total loss, rest assured you're not obliged to rebuild on the same site—we will still pay out your claim even if you decide to rebuild elsewhere.
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Ensuring a More Sustainable Environment

As a responsible corporate citizen, we believe in balancing our economic, environmental and social priorities. In fact, The Co-operators was recently recognized in Hewitt Associate's Green 30 guide, which identified Canada's 30 most environmentally-conscious employers. Talk to The Co-operators today about flood insurance in Spirit River AND about what we're doing to help the environment.

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