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Saskatchewan Home Insurance

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Home insurance = peace of mind 

Saskatchewan is one of only two landlocked provinces in Canada and is known for its flat, prairie landscapes. There are nearly 100,00 lakes so even though it is surrounded by land, there are plenty of fishing and water activity opportunities for outdoor enthusiasts. It is home to nearly 1.2 million people and has a vibrant arts and cultural scene, with an abundance of scenic provincial parks. Saskatchewan is a great place to live and raise a family as the cost of living there is lower than in most major Canadian cities. Along with being a world leader in agriculture, mining is also a major economic factor as well as their oil and natural gas production. The top 5 cities to live in Saskatchewan are Estevan, Regina, Moose Jaw, Lloydminster and Swift Current. 

Home insurance is not legally required in Canada, especially for those who have paid off their home. But, it is mandatory for those who need to get a mortgage. Since buying a home is one of the biggest investments people make, it's important to consider getting homeowners insurance to protect the place they live, raise a family and keep their belongings. These are all things that a homeowners insurance policy can cover and we can help with that.

Comparing rates from Canada’s leading Home insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage We Provide
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Liability Coverage
This would provide protection against claims resulting from injuries, and damage to people and/or property.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Sewer Backup, Overland/Ground Water
These are optional coverages you can buy that protect you for water damage such as sewer back up and fresh water flooding.
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Scheduled Items
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.
Comprehensive Insurance Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded
Broad Coverage
When you purchase broad home coverage, it limits your contents coverage to only specific coverages, (ie. theft, fire, water damage, etc.)

Home Insurance In Saskatchewan

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 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.

  • 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 10 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 you to choose from; broad home insurance & 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.

Top tourist attractions in Saskatchewan
  1. Prince Albert National Park
  2. Fort Walsh National Historic Site
  3. RCMP Heritage Centre
Best parks in Saskatchewan
  1. Wascana Centre Park, Regina
  2. Cypress Hills Interprovincial Park, Maple Creek
  3. Saskatoon Forestry Farm Park & Zoo, Saskatoon
Best bars and clubs in Saskatchewan
  1. Malty National Brewing Corp., Regina
  2. 6Twelve Lounge, Saskatoon
  3. Tumblers Pizza, Regina

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Have questions? We’ve got answers:

Homeowners insurance protects you and your home in the event of a home insurance claim. If you didn’t have homeowners insurance, then you would be held 100% responsible for any damages or loss.

If you’re actively paying off your home’s mortgage or loan, there is an extremely high chance that homeowners insurance is required, as per your mortgage contract.

The amount you pay for homeowners insurance is dictated by a few things, including:

  • The amount of home insurance coverage you choose to have

  • The, potential, replacement cost of your home

  • Home insurance data, specific to your area (city and province)

  • Your personal home insurance claims history (if you’ve had multiple prior home insurance claims, expect to pay more compared to someone that has a clean home insurance claims history)

If you have a history of paying your insurance bills on time, then you’ll be able to choose whether you pay your annual home insurance premiums monthly or annually. If you’ve had your home insurance cancelled in the past, due to non-payments, then there’s a good chance the home insurer you choose to place your business with will require you to pay for your annual home insurance premiums upfront for the year.

You’re at the exact right spot to get your home insurance! As soon as you start a quote on our online home insurance marketplace, you’ll be assigned a Surex Personal Assistant to help you complete and set up your home insurance policy.

If you choose to add more home insurance coverage than what is required in your area, your home insurer will not stop you from doing that, if you choose. Rather than deny home insurance coverage, some insurers may make certain coverages mandatory. For instance, if you live in an area with high winds, insurers may mandate having windstorm coverage, as they’ve experienced a lot of windstorm claims in your area.

Home insurance coverage is not included in the closing costs of a new home. If you’re closing a deal on a new home and know the possession date, you’ll want to get a home insurance policy effective for the first day you take possession of your new home. You can do this in advance of actually moving into your new home.

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