A recent survey of homeowners indicated that approximately 50% believed that their policy covered damage from an overflowing body of water. In fact, home insurance doesn't cover damage from flooding when rivers, lakes, streams, or creeks overflow their banks. It is a basic exclusion, and isn't able to be purchased on personal lines property policies. The same survey indicated over 80% of homeowners thought their policy automatically covered sewer back-up or sump pump malfunction. This is an extra protection often called Water Damage Extension which you have to buy and not a standard item on most policies. Due to a large number of losses in certain areas of the province, many companies have placed restrictions on the coverage such as increased deductibles, specific coverage limits, or perhaps complete coverage exclusion. Call your insurance provider to clarify your own situation.