WATERtight water damage insurance

With storms becoming increasingly frequent and severe, the likelihood of water damage becoming a threat to your home and personal belongings is higher than ever. Damage caused by water is now more common than fire.

Most standard policies include protection against some forms of water damage, but they might not shield you from the full extent of damage caused by various types of flooding, leaks or backups. The need for extra coverage may not be realized until it’s too late. WATERtight offers simplified, comprehensive coverage and peace of mind through our trusted best-in-class claims service.

Rainfall overflows the troughs of a home.

total solution for water damage insurance.

WATERtight is a single add-on solution that provides coverage for damage caused by flood, ground water, surface water, and sewer backup. In the event of a flood, when Additional Living Expenses is present, it extends to cover mass evacuation and prohibited access.

Sewer backup, sump pump and septic system

Backflow of water into the home from a sewer, sump pump or septic system.

Overland flood

Overflow of any natural or man-made body of fresh water or watercourse.

Surface water

Fresh water or rain that naturally spreads over typically dry ground, not resulting from a flood.

Ground water

Water beneath the ground’s surface, including rising water tables and water wells, underground streams, and water that filters through the ground.

Benefits of WATERtight single-add on solution:

A single solution that’s easy to add to your property policy for total water damage coverage.

Protection that eliminates gaps in coverage and shields you from unexpected costs.

Claims support that’s fast, efficient, and transparent so you get back on your feet quickly.

Flexibility to tailor coverage to your needs.

WATERtight protection is available on Homeowners, condominium, tenant, investment dwellings, and seasonal homeowners policies.

The WATERtight deductible can be increased separately from the policy deductible, providing more ways to save on premiums.
Sub-limits of coverage are available from $5,000.
When paired with a LIVEasy® Homeowners policy, you can choose to either rebuild at the same location or elsewhere.

Transparent.
Trustworthy.
Reliable.

At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.
A customer service representative speaking on the phone.

All Hands on Deck Service

Unica swiftly responded to our leaking roof report. Within hours, a technician arrived, installed a temporary patch, averting rain damage. Regular updates kept us informed of the ‘next steps’. Their exceptional “all hands on deck” service under our LIVEasy policy has been truly awesome. Grateful for Unica’s prompt action and peace of mind.
Nora C. | Ajax

They got everything right!

When a leak caused chaos just before a planned trip, Unica’s road adjuster stepped up to answer the call.
Pixie C. | Toronto

Looking for a quote on water damage insurance?
Find a broker in your neighbourhood.

Flooded living room with water covering the floor, featuring large windows, an orange sofa, a wooden cabinet, and various indoor plants. Natural light filters through sheer curtains, highlighting the waterlogged interior.

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