Water Damage Liability Insurance
Optimally protected against water damage
As the owner of a home or property, you have special duties — from clearing snow from sidewalks to keeping your property in a safe condition. But what if your heating oil tank develops a leak and contaminates the groundwater or soil? Our water damage liability insurance offers you optimal protection for this kind of claim on your property.
Benefits of this insurance
Combined protection for personal, material and financial damages up to €20 million.
Complete coverage for homeowners and property owners.
We pay justified claims and reject unjustified ones, in court if necessary.
Coverage comparison
| €5 million | €10 million | €20 million | |
|---|---|---|---|
| Personal, material and financial damages (combined) | |||
| Groundwater contamination | |||
| Surface water contamination | |||
| Defense against unjustified claims | |||
| Legal enforcement of justified claims |
Depending on your tariff, water damage risk may already be included in your personal liability insurance or your homeowner/property liability insurance.
Additional modules and benefits
Homeowner and property liability
Also covers other duty-of-care obligations for the property, such as snow clearing or safely maintaining access paths and lighting.
Personal liability insurance
Depending on the chosen tariff, water damage risk for your own home may already be included in your personal liability policy, with no separate policy needed.
What is covered
Owners of tanks for water-polluting substances
Covers people who own a tank for storing water-polluting substances, such as a heating oil tank.
Damage to groundwater or surface water
We cover the costs if these facilities or the handling of such substances cause water damage, whether in groundwater or surface bodies of water.
Personal, material and financial damages
Coverage is combined and includes all three types of damage arising from the water damage event.
What is not covered
Undeclared facilities
Tanks or facilities not declared when taking out the policy may be excluded from coverage.
Intentional damage
Damage caused deliberately is not covered by the policy.
Real claim examples
Leak in a heating oil tank
An older heating oil tank develops an invisible crack, and oil slowly seeps into the soil, contaminating the neighborhood groundwater. The insurance covers soil remediation and water testing.
Contamination of a nearby stream
While transferring fuel to refill the tank, an accident causes spilled fuel to reach a stream near the property, requiring urgent cleanup by a specialized company.
Frequently asked questions
Who needs this insurance?
Any owner of a facility for storing, filling, producing or treating water-polluting substances, such as heating oil tanks.
Am I already covered through my building or personal liability insurance?
It depends on the tariff: in many cases, water damage risk is already included in personal liability or homeowner/property liability insurance. We can check this for you.
What happens without this insurance if a leak occurs?
You would be personally liable for all soil and water remediation costs and third-party damages, which can be very high.
What coverage sums can I choose?
We offer three levels: €5, 10 or 20 million combined coverage for personal, material and financial damages.
Do you own a storage facility on your property?
Contact us and we will check whether you are already covered or help you insure your facility properly.
Request free advice