{"id":8959,"date":"2020-11-09T01:59:12","date_gmt":"2020-11-09T06:59:12","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/oil-tanks-how-do-they-affect-your-home-insurance\/"},"modified":"2026-04-21T11:23:35","modified_gmt":"2026-04-21T15:23:35","slug":"oil-tanks-how-do-they-affect-your-home-insurance","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/oil-tanks-how-do-they-affect-your-home-insurance\/","title":{"rendered":"Oil tank: how does it affect your home insurance?"},"content":{"rendered":"\n<p class=\"is-style-subtitle is-style-subtitle--1\">Too few people are aware of the impact that an oil tank can have on their home insurance. In Quebec, it is estimated that approximately 12% of the population still uses oil for heating and that nearly half of the oil tanks still in use are over 25 years old! <\/p>\n\n<p>When you know the fire and environmental risks associated with this type of fuel, it&#8217;s better to be safe than sorry!<\/p>\n\n<p><a href=\"https:\/\/multi-risques.com\/\">Assurances Multi-Risques<\/a> a donc d\u00e9cid\u00e9 de vous pr\u00e9senter un article afin de d\u00e9mystifier les impacts que peuvent avoir la possession d\u2019un r\u00e9servoir au mazout sur votre assurance habitation.<\/p>\n\n<p>Get our best tips to prevent costly and, above all, polluting accidents!<\/p>\n\n<h2 class=\"wp-block-heading\">Oil tank and insurance<\/h2>\n\n<p>First, basic home insurance does not cover damage caused by an oil tank. It is therefore essential to understand that in the event of a tank leak, you risk causing considerable damage to: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>your home;<\/li>\n\n\n\n<li>your material possessions;<\/li>\n\n\n\n<li>your land (soil and groundwater);<\/li>\n\n\n\n<li>your neighbors&#8217; homes and land.<\/li>\n<\/ul>\n\n<p>We therefore always suggest that our customers who have an oil tank add an endorsement to their home insurance policy. This is the best way to benefit from additional protection. <\/p>\n\n<h3 class=\"wp-block-heading\">Increased risks: home insurance<\/h3>\n\n<p>La possession d&#8217;un syst\u00e8me de chauffage au mazout est un facteur qui augmente les risques de sinistres. En assurance, nous avons un terme pour inclure ces caract\u00e9ristiques :<a href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/laggravation-de-risques\/\"> l&#8217;aggravation de risque<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\">The importance of adding a rider<\/h2>\n\n<p>En assurance, le terme \u00ab avenant \u00bb fait r\u00e9f\u00e9rence \u00e0 une garantie additionnelle qui doit \u00eatre ajout\u00e9e \u00e0 une couverture de base. Vous pouvez en apprendre davantage sur<a href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/quest-ce-quun-avenant\/\"> les avenants<\/a> dans un autre article.<\/p>\n\n<p>What is important to know about oil heating systems is that it becomes very important to add an endorsement.<\/p>\n\n<h3 class=\"wp-block-heading\">Spillage or leakage of heating oil<\/h3>\n\n<p>The endorsement that is strongly recommended to add to your basic coverage is the one for &#8220;domestic fuel oil overflow or leakage.&#8221;<\/p>\n\n<p>In general, this amendment will cover:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>damage directly caused to the insured property;<\/li>\n\n\n\n<li>the costs incurred for cleaning and decontaminating the soil the replacement of certain plants;<\/li>\n\n\n\n<li>civil liability<\/li>\n<\/ul>\n\n<p>This protection would therefore protect you in the event of accidental overflow or fuel oil leakage. Leaks can come from a fixed tank, an appliance, or a supply line connected to a heating system. <\/p>\n\n<p><strong>NOTE<\/strong>: Installations, tanks, supply lines, or devices that cause the damage are not usually covered by this endorsement.<\/p>\n\n<h2 class=\"wp-block-heading\">How to properly maintain your fuel oil tank to avoid problems?<\/h2>\n\n<p>Proper maintenance remains the best way to prevent damage. Just like with your car or your home! Here are a few tips to help you with this:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Replace your tank if it is more than 25 years old.<\/li>\n\n\n\n<li>Install your tank inside a building. This will protect it from the elements (rain, wind, frost, thaw, etc.) and keep it in better condition!; <\/li>\n\n\n\n<li>Stay alert for odors and leaks;<\/li>\n\n\n\n<li>Be on the lookout for signs of corrosion, as it usually doesn&#8217;t bode well!<\/li>\n\n\n\n<li>Do not leave your tank empty, even in summer, as this increases the risk of problems related to moisture and corrosion.<\/li>\n\n\n\n<li>Consult a specialist if you are unsure about the condition or age of your tank. They can also ensure that it is properly installed. <\/li>\n\n\n\n<li>If you change your tank, don&#8217;t forget to notify your insurance broker; it could lower your premium!<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Our best advice for finding an insurer<\/h2>\n\n<p>Dealing with a professional when it comes to fuel oil tanks is often the best solution. Just as regular maintenance is always a good idea. <\/p>\n\n<p>When it comes to your home insurance, it&#8217;s best to contact an independent insurance broker! They will be able to guide you and explain the best coverage options for your situation and needs. <\/p>\n\n<p>They can also provide you with full details of the &#8220;domestic fuel oil spill or leak&#8221; endorsement. Finally, they can advise you on all other aspects of your home insurance! <\/p>\n","protected":false},"excerpt":{"rendered":"Are you aware of the impact that an oil tank can have on your home insurance? Find out all the details in our article! 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