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Natural Disasters & Home Insurance: Are You Covered?

Boy child standing on a box in the middle of his kitchen, wearing a snorkel as water begins to rise around him. Demonstrating a home flood.

In Ontario, the threat of natural disasters poses a significant concern for homeowners. Understanding how these events are covered under your home insurance policy is essential. As leaders in the industry, we at Duliban Insurance Brokers are committed to helping you navigate the complexities of home insurance in the face of nature’s unpredictability. 

Coverage Analysis: What Does Standard Home Insurance Cover? 

Standard home insurance policies in Ontario typically include coverage for a variety of natural disasters, but it’s important to know the specifics.


Lightning and Fire 

These policies generally cover damage caused by lightning strikes, including resultant fires. This can encompass electrical damage to home systems and appliances, as well as structural damage from a fire. 


Windstorms and Hail 

Damage from windstorms and hail is usually covered. This includes harm to roofs, windows, and exteriors. However, it’s crucial to check for any specific exclusions or limitations, especially regarding the intensity of the storms. 


Other Common Natural Events 

Standard policies may also cover damages from other events like heavy snowfall or ice storms, which can cause roof collapse or other structural damage. 


Deductibles and Limits 

High deductibles can significantly impact the out-of-pocket expenses after a disaster. Additionally, coverage limits may cap the amount the insurance company will pay, which might not fully cover the cost of repairs or replacements.



Certain events, like floods or earthquakes, are often excluded from standard policies. Understanding these exclusions is vital to avoid unpleasant surprises when making a claim. 


Additional Policies for Specific Disasters 

To fully protect your home, consider additional policies. 


Flood Insurance 

With the increasing incidence of flooding, additional flood insurance can be crucial. This policy covers damage from overflowing rivers, heavy rain, and melting snow. 


Earthquake Insurance 

In earthquake-prone areas, standard policies often exclude earthquake damage, making additional earthquake insurance necessary for comprehensive protection. 


Additional Coverage Options: Tailoring Your Policy

Customizing your insurance policy with additional coverage ensures more comprehensive protection.


Comprehensive Coverage 

This offers broader protection against various natural disasters, often covering events excluded in standard policies. 


Sewer Backup Endorsement 

Standard policies typically don’t cover sewer backup. This endorsement is essential for protection against damage caused by sewer line issues. 


Overland Water Protection 

This coverage is designed to protect your home against damage caused by overflowing bodies of water, a peril not typically covered under standard policies. 



In Ontario, having the right home insurance is not just about fulfilling a legal requirement; it’s about ensuring your home and family are adequately protected against natural disasters. We are here to help you understand and choose the right coverage for your home. With our expertise, we guide you through every step, ensuring that your home is prepared for whatever nature throws its way. 

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