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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.
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
Devin was very quick to respond to all my numerous questions and making modifications to our application where necessary. He helped us find exactly what we were looking for!
Highly recommend Miguel. He was able to get me into the right product at a lesser price than I expected. Got everything done in a day would’ve been quicker if Autoplus did not crash. Five stars!!!!
Great experience with Prat from Surex . He managed to get things done in a day while everyone else said it will take at least 2 weeks. He understood complicated file quickly and managed to help me out with it . I got Auto insurance at the best rate! I was with TD insurance previously and paid wzy more for exsact tje same policy. I paid it upfront and once time came to an end they did not call or email or any notification about it and just canceled!!! Then told me it will take 2 weeks to get the new one . And I work as a Realtor so to have my car available to drive its absolutely necessary. Very disappointing TD .. I am happy I find Prat he definitely fixed a huge issue.
Manjinder Singh was incredibly helpful. He got me set up with my new auto insurance as soon as it was possible with no issues. He was curteous, knowledgeable and professional. Definitely an asset to your team. Great experience all around.
I’ve had a pleasant experience with Dayana.
She’s everything I want in a service provider. Respectful of time, quick responses, provides clarity on time when required, follows up as promised. She has made this process easier!
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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