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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.
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
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.
Actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation
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Save on Condo Insurance in Saskatoon When You Shop with Surex
Living in the prairies, especially in the vibrant city of Saskatoon, offers a chance to immerse yourself in a place rich with history and Indigenous culture. As the largest city in Saskatchewan, Saskatoon sits along the scenic banks of the Saskatchewan River and the Trans-Canada Yellowhead Highway. The area is known for its breathtaking landscapes, including national parks, rolling hills, dunes, and prairies, as well as over a hundred thousand lakes and reservoirs. With an affordable cost of living and housing, Saskatoon provides access to a variety of job opportunities across different industries, making it an appealing place to call home.
At Surex, we work with some of the top-rated Saskatoon condo insurance companies, making it easy for us to offer quotes for high-quality, low-cost coverage. Contact your personal Surex insurance advisor today to learn more and to start shopping around for condo insurance quotes in Saskatoon. We can provide you with quotes for condo insurance in Saskatoon in ten minutes or less.
Condo Insurance in Saskatoon — What You Need to Know
Condo insurance protects the units within a condo building. You would get it to protect your contents such as appliances, clothing and furniture (and would also cover items stored in a locker).
It would also provide additional living expenses in the event of an insured loss (if you had to temporarily move out) as well as the condo owner's liability for any bodily injury or property damage that was unintentionally caused by others in the building.
The average condo insurance rate in the province is approximately $500 annually. Saskatchewan falls in the mid-range for condo insurance compared to the rest of Canada. Being in a region that is prone to extreme weather makes it essential for condo owners to have adequate coverage.
Yes, while condo insurance isn’t mandatory, if you have a mortgage your lender will require it.
Now, a few tips - your condo association will have a master insurance policy, but it may only cover the basics. Some associations will buy a more a policy that also includes more basic items within each unit, such as appliances, carpets, cabinets, or interior walls.
Always best to find out the scoop, and then chat with your Surex Advisor to figure out what's right for you!
Condo building insurance is different. This is purchased by the condo corporation to cover damage to the building and the common areas and liability on the property. This is usually included in the monthly condo maintenance fees.
There are a few factors that determine your monthly condo fees, they include:
- The size of the building (a larger building has more owners to share the cost)
- The age of the building (newer buildings may have lower fees)
- The amenities
- The neighbourhood
It all depends on where you live. Older buildings usually have higher condo fees because they require more maintenance and smaller buildings also tend to have higher fees because the costs are shared between fewer owners. Newer developments with an all-inclusive list of amenities have higher fees because of upkeep costs.
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Surex insurance tips & advice
Home sellers in Canada must disclose hidden material defects, as failing to do so can lead to serious legal and financial consequences.
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.
