It can happen fast and without warning: a split hose behind the washing machine, a slow leak under the sink or a sump pump that fails during a rainstorm.
Everyday problems like these can quickly add up to thousands of dollars in damage.
And, with water damage being one of the most common types of home insurance claims in Canada, some homeowners may face higher premiums or even have trouble renewing their coverage after multiple water-related claims.
The good news? Water mitigation systems are an effective, proactive way to prevent damage, protect your home and in some cases, lower your insurance costs. By acting now, you’re helping make sure your home stays protected and insurable.
What is a water mitigation system and why does it matter?
A water mitigation system includes tools or upgrades that detect, control or shut off water before it causes serious damage. These aren’t just “nice to have” — they can be essential to keeping your home safe and your insurance more affordable.
Some systems are as simple as a water alarm. Others include smart shut-off valves or sump pumps with battery backups. Many insurers offer discounts or policy credits for installing them.
Water mitigation systems we recommend and where to use them
Want to stop water damage before it starts? These systems are smart, reliable and can help lower your insurance risk. Here’s what to install and where:
- Water leak detectors
These small devices send alerts to your phone or sound an alarm when they detect moisture. Place them in areas most likely to leak:- Under kitchen and bathroom sinks
- Behind toilets and washing machines
- Next to your water heater or hot water tank
- Near your basement floor drain
- Automatic water shut-off valves
These systems monitor your home’s water flow and automatically shut off the supply if they detect a leak or burst pipe — even when you’re not home. They’re especially helpful for frequent travelers or owners of vacation homes. - Sump pumps with battery backup
If you have a basement, a sump pump helps remove water during a storm or flood. Choose a model with a battery backup so it continues working during power outages. - Backwater valves
Installed on your main sewer line, these valves prevent sewage from backing up into your home during heavy rain or municipal sewer issues. If you live in an older home, ask a plumber if you have one — and consider installing one if you don’t. Learn more about how to prevent sewer backups.
Speak with your Acera Insurance advisor to find out which devices are right for your home — and which may qualify for insurance discounts.
Smart protection today means fewer problems tomorrow
Adding water mitigation systems to your home is an effective way to protect what matters most. Whether you’re moving into a new place, planning a reno or simply want more peace of mind, these tools can save you stress, time and money.
Also, installing water mitigation systems shows your insurer that you’re managing your risk and many of these tools can help offset their own cost through prevention and policy savings.
Not sure where to begin? Talk to your Acera Insurance advisor today to learn which systems make the most sense for your property — and how they can impact your coverage.
Together, we’ll help you stay dry, safe and ready for whatever water throws your way.
Want to explore extended water coverage? Learn how endorsements like overland water, sewer backup and service line coverage can further protect your home.
Information and services provided by Acera Insurance, Acera Benefits and any other tradename and/or subsidiary or affiliate of Acera Insurance Services Ltd. (“Acera”), should not be considered legal, tax, or financial advice. While we strive to provide accurate and up-to-date information, we recommend consulting a qualified financial planner, lawyer, accountant, tax advisor or other professional for advice specific to your situation. Tax, employment, pension, disability and investment laws and regulations vary by jurisdiction and are subject to change. Acera is not responsible for any decisions made based on the information provided.