After the last week of spring-like temperatures, and outdoor rinks, along with the Red River Mutual Trail melting, Team is exited that Red River Mutual offers increased protection through their Water Protection Coverage.

This new Water Protection Coverage provides Homeowners, and Seasonal Homeowners with the peace of mind knowing that they are covered in case of Overland Water, Ground Water or Sewer-Back-Up damage.

In terms of property damage, floods are considered the costliest natural disasters in Canada. Water Protection Coverage provides flexible options for homeowners to meet their water protection needs ensuring they are covered before water damage occurs.

The following Water Protection Coverages are available with Red River Mutual:

Sewer Back-Up Coverage

Red River Mutual still continues to offer its stand-alone Sewer Back-Up Coverage product to homeowners, to help cover losses caused by sewer back-up, septic, or sump pumps.

Overland Water Damage Coverage

Overland Water Damage Coverage provides enhanced protection against loss caused by either the rising or overflow of a body of fresh water or due to a torrential rainfall or snow melt. It enhances the water protection for homeowners with Sewer Back-Up protection already in place.

Ground Water Damage Coverage

Ground Water Damage Coverage provides additional protection against loss caused by ground water. It can be added as a coverage for homeowners who already have Sewer Back-Up and Overland Water Damage in place

We have been advised that the availability of Overland Water coverage may affect eligibility for compensation from the Emergency Measures Organization through the Province of Manitoba.

All of our Red River Mutual clients will be notified of the availability of this coverage at their renewal time, and provided with the opportunity to obtain a quote on these new coverages, in order to tailor a policy that best fits their needs.

If you are interested in the availability of Overland Water and Ground Water coverage for your home, or just want to know more about it, please contact a member of Our Team.

Our Team is looking out for the best protection for our clients. Not all insurance policies are created equal, and not all clients are interested in all coverages. That is why it is important to have an insurance broker on your side, who will listen to your specific needs and coverage concerns, tailor a policy best suited to your needs, and explain the coverage and exclusions of your policy. All insurance policies have exclusions, and it is important to understand your policy wordings, and the specific details of exclusions and limitations of coverage. If you do not have a copy of your wordings, please contact our office.

For more information about this coverage, please visit the Water Protection Coverage By Red River Mutual brochure.

Please visit Red River Mutual's loss prevention information on Avoiding Water Damage.