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Home insurance in London, Ontario
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London's flood history and what it means for coverage
In September 2021, London's airport recorded 120 mm of rain over three days, including a record 67 mm in a single day, and the City logged about 130 basement flooding complaints in one evening, against roughly 30 in a normal month.
London's basement flooding grant covers 90% of eligible work, more than Toronto's 80%. If you're comparing home insurance, ask each insurer about sewer backup and overland water coverage, and whether flood-protection work like a backwater valve changes your price.
London flood risk
- A September 2021 storm brought 120 mm of rain over three days at London's airport, including a record 67 mm in one day; the City received about 130 basement flooding complaints in one evening, versus roughly 30 a month normally. (Global News, Sept 2021)
London programs that can help
- Basement Flooding Grant Program. Pays 90% of eligible costs, up to $1,800 for a backwater valve, $4,000 for a sump pit and pump with weeping-tile disconnection, $1,400 for a battery backup with a new pump, and $6,000 for a sewage ejector. You need approval before work starts; condominiums aren't eligible. (City of London, June 2024)
Before you compare quotes in London
- Check whether your policy covers sewer backup and overland water. They're often separate add-ons, and they're the coverages that matter after a flash flood.
- If you install a backwater valve or sump pump, keep the invoice and permit. Some insurers ask about them, and city rebates require them.
- Ask how the deductible works for water claims; some policies set a separate, higher water deductible.
- Get a replacement-cost estimate for your home rather than using its market value; rebuilding and land price are different numbers.
Local facts last reviewed October 2026. Figures are published averages and public data, not quotes; your premium depends on your own details.
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- There’s no obligation to continue the conversation or purchase coverage.
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Frequently asked questions
Is this an instant insurance quote?
No. This is a request to be connected with an insurance professional who can help you compare options.
Is there any obligation?
No. Submitting a request does not obligate you to buy insurance.
What information do I need to provide?
Only basic contact information, your region, the type of insurance you are interested in, and your timeline.
Who will contact me?
A relevant insurance professional or partner may contact you based on your request.
Do you guarantee savings?
No. Savings depend on your profile, coverage needs, provider, and market conditions.
How much will London pay toward a backwater valve?
The City's grant covers 90% of the cost, up to $1,800 for a backwater valve. Get approval before the work starts.
Does home insurance in London cover sewer backup?
Not by default on every policy. Ask for sewer backup and overland water coverage when you compare quotes.
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