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Compare and purchase the best
home insurance rates in Saskatchewan.

Get free & accurate quotes from Canada’s top home insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top home insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Types of coverage we provide
Sewer Backup, Overland/Ground Water
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.

Broad Coverage
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
Home Insurance
This provides coverage for loss and damage to your property and/or any assets.
Claims Forgiveness
Claims Forgiveness
This allows for the protection of your “claims free discount” in the event of your first claim.
Deductible
Deductible
A predetermined amount of money that you must pay towards the cost of the claim. Home insurance has different deductibles for different coverage.
Comprehensive Insurance Coverage
Comprehensive Insurance Coverage
When you purchase comprehensive home coverage, it means you are covered for anything that is not excluded.
Liability Coverage
Liability Coverage

Provides protection against a lawsuit resulting from damaged property or personal injuries.

Scheduled Items
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.

Comparing rates from Canada's leading Insurance Providers

Our Reviews

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

See how our customers save big on home insurance

At Surex, we’re dedicated to helping you find the right insurance for the best price. We do all the heavy lifting for you, so you can be sure you’re getting the lowest possible rate. Check out how we’ve helped these Saskatchewan homeowners save on home insurance.

Customer

City

Type

Average Rate

Lowest Rate

Savings

Andrew

Spiritwood

Detached

$2,132

$1,296

$836

Amber

Moose Jaw

Detached

$2,487

$1,759

$728

Pratikumar

Regina

Townhouse

$1,626

$1,090

$536

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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Denae P.

Licensed Insurance Advisor

Insurance Broker
How you can save money on home insurance?

Home insurance has many factors when calculating the rates.  Plus, every home insurance company underwriters risk differently, so that is why getting to compare quotes is important. Here are a few things to keep in mind:

advisor
Increase your deductible

Increase your deductible

This is the amount you pay towards an insurance claim, so by offering to pay a higher percentage of a future claim, your insurance company will decrease the cost of your premium. But, keep in mind you will be paying more out-of-pocket when, and if, you ever file a claim.

Bundle your insurance

Bundling always helps you save, whether it's your phone, tv, or internet! So, if you have a car, or any other insurable item, think about going with the same insurance company, who will most likely reward you with a discount!

Shop around

Always compare home insurance quotes to see what all your options are on similar policies. No two policies are the same, so comparing will let you choose what's right for you.

How it works
How it works

Get a personalized quote in minutes! We’ll help you compare multiple offers from Canada’s top insurers. Your dedicated advisor is here to help every step of the way.

Why Surex?
Why Surex?

Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.

Our Advisors
Our Advisors

We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.

Surex Insurance Tips & Advice
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