Simple Insurance
Home insurance in Mississauga, with flood protection in mind
Share a few details and a licensed Ontario professional can help you compare coverage, including water damage.
Continue below—about a minute, no obligation.
Flooding is the risk Mississauga is paying to reduce
The August 2024 storms hit Mississauga hard, contributing to more than $100 million in insured damage across the GTA. In February 2025 the City launched a basement flooding rebate of up to $7,500 for prevention work, plus up to $3,000 for homes that have flooded before.
For home insurance, that means two things. Make sure your quote includes sewer backup and overland water coverage, and if you've flooded since 2013 or plan to install a sump pump or backwater valve, look at the rebates first. Region of Peel also offers a separate backwater valve rebate.
Mississauga flood risk by the numbers
- Storms on August 17–18, 2024 caused significant flood damage in Mississauga and more than $100 million in insured damage across the GTA. (IBC via Newswire, Oct 2024)
Mississauga and Peel programs that can help
- Basement Flooding Prevention Rebate (City of Mississauga). Up to $7,500 toward sump pumps, downspout disconnection and other prevention work for owners of detached, semi-detached, duplex and townhouse homes, using a licensed installer. (City of Mississauga, Feb 2025)
- Flood Resilience Rebate (City of Mississauga). Covers 50% of materials, labour and tax, up to $3,000, for homes that have had flood damage since July 8, 2013. (City of Mississauga, Feb 2025)
- Sanitary Backwater Valve Rebate (Region of Peel). 60% of the invoice, up to $1,500 including tax, for valves installed after July 16, 2024, with a permit and inspection. Confirm with the Region that the program is taking applications before you book the work. (Region of Peel)
Before you compare quotes in Mississauga
- 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.
What happens after you submit?
- Your request may be shared with a relevant licensed insurance professional or partner so they can follow up with you.
- They may reach out using your preferred contact method when they’re able to respond.
- There’s no obligation to continue the conversation or purchase coverage.
Simple Insurance is not an insurer or a broker. We connect you with licensed Ontario insurance professionals, who may compensate us for the introduction. Coverage decisions, pricing, and advice happen directly between you and the professional who contacts you.
How it works
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Tell us what you need
Pick the type of insurance you’re interested in, your region, and when you’d like help.
- 2
Submit your contact details
Share basic contact info and how you’d prefer to be reached.
- 3
A licensed insurance professional follows up
Someone relevant to your request may reach out to discuss options—there’s no obligation.
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.
Does Mississauga pay for a sump pump or backwater valve?
The City's prevention rebate can cover up to $7,500 of eligible work, and Region of Peel has a separate backwater valve rebate. Check the conditions before work starts.
Will my insurer cover a flooded basement in Mississauga?
Only if your policy includes the right water coverage. Sewer backup and overland flooding are often separate add-ons, so ask for both.
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