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Flood insurance in Spirit River, AB

With the increase in severe storms across Canada in recent years, homeowners, renters and landlords in Spirit River know that they need to start thinking about flood insurance. Since 1998, wind and water damage caused by extreme weather has cost Canadians nearly $10 billion, which is half of all property claims. Find out how you can protect your home against Alberta's extreme weather with Comprehensive Water coverage from The Co-operators.

What sets us apart?

Flood damage can cost homeowners thousands of dollars to repair, but our flood damage insurance is affordably priced. But that’s not the only thing we have to offer. Our network of expert advisors throughout Spirit River are always prepared to provide exceptional customer service and advice on your flood damage insurance. 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.

Certain protection for uncertain weather

Up until a few years ago, flood insurance did not exist in Canada. This gap in coverage was especially apparent in 2013, when Canada experienced its worst-ever year for weather-related damage. That's why we're proud to offer our new Comprehensive Water coverage to our clients in cities across Alberta, including Spirit River. There's also our free online assessment tool so you can determine the level of risk to your home.

There are steps you can take to keep unwanted water out your home, including clearing eavestroughs, installing window wells around your basement windows and keeping storm drains clear of leaves and other debris.

Contact a Co-operators Insurance Advisor about flood insurance in Spirit River and let us show you why we're a better place for your flood insurance in Spirit River.

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.
  • Tailored: Get made-to-measure coverage limits that fit your particular needs.
  • Flexible: Instead of paying a flat amount, your deductible is a percentage of the claim amount (between 2% and 35%, with a $1,000 minimum).
  • Budget-friendly: If you install loss prevention devices, we'll provide a discount. That includes a backflow prevention device or a primary sump pump with a secondary automatic powered backup.
  • Extensive: We don't only cover your home but also your personal property, detached structures and costs incurred in the event that you need to move out of your home while it's being repaired. In the event that your home is at a complete loss, you are not obligated to rebuild—we’ll honour your claim even if you rebuild elsewhere.
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Ensuring a Greener Future for Canadian Families

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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