Compare and purchase the best home insurance rates in Saskatchewan.
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you saving hundreds of dollars a year on average.
Types of coverage we provide
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
This provides coverage for loss and damage to your property and/or any assets.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Referring to 'special limits' on items like jewellery or art if the value is greater than the special limit you should list the item separately.
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)
Recent home quotes in Saskatchewan
Comparing rates from Canada's leading Insurance Providers
Our Reviews
I had a wonderful experience with Mr. Devin Jeffrey! I had several insurance needs and Mr. Jeffrey helped me with everything. Devin was dedicated and informative. He took the time to explain everything to me through out the entire process. And he saved me a considerable chunk of money compared to what my previous insurance company was charging me. Top shelf service Devin! Keep up the great work. I hope I can refer all my clients directly to you!!!!
Erich provided exceptional support throughout my insurance process. He explained everything clearly, made sure I understood my options, and guided me step‑by‑step with patience and professionalism. I felt genuinely supported, and he made what could have been a stressful experience feel simple and manageable. His communication, knowledge, and attention to detail really stood out. Overall, Erich is doing an excellent job and delivers the kind of service that builds trust and confidence.
My customer service rep Jennifer DePaola was amazing. I had an excellent experience and wanted to take a moment to recognize the outstanding customer service I received. From the moment I reached out, the she was professional, friendly, and genuinely focused on helping me.
She took the time to listen to my questions, explained everything clearly, and made sure I felt comfortable with the entire process. It’s rare these days to find a company that combines efficiency with such a personal and attentive approach.
What stood out the most was her willingness to go the extra mile to make sure everything was handled properly. The level of care and attention to detail really made a difference and left a lasting impression.
Overall, I’m extremely satisfied with the experience and would highly recommend them to anyone looking for reliable service and a team that truly values their customers. Thank you for the fantastic support!
Saskatchewan home insurance rates vs. other provinces
Saskatchewan home insurance rates are in the middle in terms of average rates in Canada. However being on the west coast of Canada there can be extreme weather, so having home insurance is very important. Start a free quote with us now to find out if there are savings to be found.
Province |
Average Rates |
|---|---|
Saskatchewan |
$1,873 |
Alberta |
$2,304 |
Ontario |
$1,797 |
Nova Scotia |
$2,788 |
New Brunswick |
$2,402 |
Newfoundland & Labrador |
$2,513 |
Prince Edward Island |
$1,145 |
Manitoba |
$1,335 |
British Columbia |
$2,389 |
Yukon |
$1,830 |
Nunavut |
$3,516 |
Northwest Territories |
$3,367 |
Home Insurance in Saskatchewan — What You Need to Know
You will need the following information to ensure quote accuracy:
- Square footage of your home
- Year your home was built
- Details on any upgrades or modifications
- Your exact address
- Your personal home insurance claims history
In Saskatchewan, home insurance prices in Saskatchewan are determined by a few key factors:
- Insurance data - The home insurance carriers in your area, both city and province, will have compiled data over the years relating to the amount of home insurance claims in your area. If you’re fortunate enough to live in an area where there hasn’t been many claims, then your home insurance rates will be lower, all things equal, compared to someone that lives in an area where there have been frequent home insurance claims.
- The value of your home - This is important as the company insuring your home will need to know the potential replacement cost of your home. Of course, they and you both hope they’ll never need to replace your home due to a claim.
- Your home insurance history - Home insurers are interested in your personal, prior home insurance claims history. If applicable, be prepared to share your most recent 10 years of home insurance history. If you don’t have 10 years of home insurance history, you’ll need to disclose however many years you have.
As an online insurance marketplace, our interest is earning your business through providing you the best home insurance rates and service. We know the top reason a person will switch their home insurance policy from one carrier to another is price. This is why our Surex Personal Assistant’s do all they can to find you home insurance discounts.
If you think you qualify for any of the following, be sure to mention it to your Personal Assistant!
- Good credit discount
- Mortgage-free discount
- Renewal discount
- Occupational discount
- Alarm/home security discount
- Bundle discount
- Claims-free discount
- Sewer back-up discount
- New business discount
- Flex discount
- Loyalty discount
- Age discount
- Smoke-free home discount
- Household discount
- Multi-lines discount
- Gated community discount
Depending where you live in Saskatchewan, some home insurance coverages might be required in a home insurance policy. For instance, if you live in an area that has high winds, windstorm coverage might be mandatory in a home insurance policy.
If you’re curious about other potential coverages you can add to your home insurance policy, that aren’t required, your Surex Personal Assistant will be able to explain the benefits of adding coverage, as well as let you know how it’ll impact your annual home insurance premiums in Saskatchewan.
- Personal home insurance history - The home insurer you choose to place your home insurance business with will need to know your past home insurance claims history. If applicable, they’ll need to know your most recent ten years of home insurance claims history.
- Bill payment history - The home insurer you choose to place your business with will need to know your history of paying your home insurance bills. If you have a good track record, you’ll be able to choose whether you pay your annual home insurance premiums monthly or annually.
- Claims - This relates to the amount of home insurance claims insurers have had, or haven’t had, in your area. If you live in an area with minimal claims, then your home insurance will be less — all things equal — compared to a home in an area that has frequent home insurance claims.
- Coverage - Depending on where you live in Saskatchewan, some home insurance coverages will be mandatory by the home insurer you’re looking to place your business with.
- Options - If a home insurance coverage isn’t mandatory, then you can choose whether to add it to your home insurance policy or not. Again, we want you to have the exact home insurance policy to match your needs. This is why we don’t do cookie-cutter home insurance policies.
- Deductible amount - The most common home insurance deductible amount in Saskatchewan is $3000. This is the amount you, the insured, would need to pay — out of your own pocket — to activate your home insurance policy, in the event of a home insurance claim.
- Upgrades - If you live in an older home in Saskatchewan and do certain upgrades, you can be eligible to lower your annual home insurance premium amount by up to 10%. These upgrades would include upgrading outdated electrical, upgrading your home’s plumbing and/or installing a sump pump or backflow valve.
- Security system - If you’re considering securing your home with a certified home automation system, this is a great way to protect your family as well as become eligible for a home security discount. A home security discount can save you up to 10% off your annual home insurance premium amount.
As Saskatchewan's home insurance marketplace, Surex has partnered with the best home insurers in the territory, namely Aviva, Intact and RSA, so you can choose the most ideal home policy for you, from a reputable insurer.
You can customize your coverage:
Working with the top home insurers in Saskatchewan, we want you to be able to have the exact home insurance policy you want and need. Customize your home insurance policy to give you peace of mind that you and your family are properly covered in the event of a home insurance claim.
In Saskatchewan, there are two types of home insurance coverages to choose from; broad home insurance and comprehensive home insurance.
Broad home insurance:
Broad home insurance is the cheapest home insurance option available to you. Barring a peril being mandatory in your area of Saskatchewan, you’ll be able to choose what perils you want to add to your home insurance policy. Perils include:
- Windstorm
- Hail
- Explosion
- Smoke
- Fire
- Vandalism
- Lightning
Comprehensive home insurance:
Comprehensive home insurance is the most extensive/expensive home insurance option available in Saskatchewan. Comprehensive home insurance includes the previously mentioned perils in a broad home insurance policy, with the option to include coverage for unintentional damages and the mysterious disappearance of property and content.
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Surex insurance tips & advice
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During Canadian winters, blocked vents from snow can cause deadly carbon monoxide buildup—regularly check furnace, water heater, dryer, and chimney vents to ensure they’re clear.
Water damage in condos can be confusing; responsibility varies between owners and associations. Understanding coverage helps prevent costly surprises and ensures proper condo insurance protection.
