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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
Comparing rates from Canada's leading Insurance Providers
Our Reviews
I had an excellent experience setting up the insurance for my first car with Ashley at Surex. She was fast, professional, and incredibly helpful every step of the way. Ashley made the process smooth and stress-free, answered all my questions promptly and found me a great price. Highly recommend her for anyone looking for outstanding and reliable insurance service!!!!
I have nothing but exceptional service from Ashley Bushfield at Surex, quickly responds and takes cares of anything I need for my insurance needs… prices are amazing too… thanks for everything you do!! Highly recommended!!
Mostly great help but I feel when your contract wasn’t renewed for car insurance contacting your customers by email should have at least should got a phone call to their customers when the email wasn’t acknowledged by customer for whatever reasons… but something as important as having no insurance should have required a phone call by the company and the broker should have an alternative option for it’s customers
I had a great experience with Ashley at Surex. She was able to get me insured the same day and sent over my policy right away. The process was quick, and smooth. I’m very happy with the quality of her work and the service, I’d definitely recommend Ashley and Surex to anyone in Ontario looking for reliable insurance.
Saskatchewan tenant insurance rates vs. other provinces
Province |
Average Rates |
|---|---|
Saskatchewan |
$410.00 |
Prince Edward Island |
$385.00 |
Alberta |
$466.00 |
British Columbia |
$397.00 |
Manitoba |
$503.00 |
New Brunswick |
$500.00 |
Newfoundland and Labrador |
$399.00 |
Nova Scotia |
$423.00 |
Northwest Territories |
$416.00 |
Ontario |
$478.00 |
Yukon |
$370.00 |
See how our customers save big on tenant insurance
Customer |
City |
Type |
Average Quote |
Purchased Quote |
Savings |
|---|---|---|---|---|---|
Tami T. |
Filmore |
Tenant |
$908.00 |
$719.00 |
$189.00 |
Landen L. |
Neilburg |
Tenant |
$439.00 |
$344.00 |
$95.00 |
Janet R. |
Saskatoon |
Tenant |
$704.00 |
$621.00 |
$83.00 |
Tenant Insurance in Saskatchewan
Tenant insurance in Saskatchewan (also called renters’ insurance) is meant for people who rent the place where they live, whether home, condo, or apartment. It provides coverage against common risks like theft, fire damage, and personal injury that occurs on the property.
Insurance is necessary because a landlord’s home insurance policy won’t cover these perils on behalf of the renter. You want to be covered in case something happens to your home or your belongings.
Yes, tenant insurance and renter’s insurance are the same. They are policies purchased by a renter to protect themselves financially.
Content insurance is a benefit provided by most tenant insurance policies. It covers the cost of repairing or replacing stolen or damaged items.
Tenant insurance (also referred to as renter’s insurance) helps renters cover the cost of replacing or repairing their personal belongings in the event of an incident (i.e. fire or break-in) on the property.
This depends on where you reside, the value of your total contents, and your liability limits. Policies normally start at $300/yr or around $20 to $50 /month and increase as the content values and liability limits increase.
Since there’s no minimum coverage requirement, you can achieve lower rates by purchasing only the coverage you need. Think about your personal belongings and get the policy and the coverage you need.
Even if your landlord doesn't make tenant insurance a requirement of the lease, it's still a great idea to purchase it. Here are a few reasons.
Peace of Mind
Tenant insurance offers incredible peace of mind. If you've ever experienced loss or damage of your personal belongings, you likely know how welcome this peace of mind can be.
Without tenant insurance, you'd be entirely on your own as far as repairing or replacing damaged items, which can make an already stressful situation even worse.
You'll find this peace of mind especially helpful if an incident ever leaves your dwelling uninhabitable. As you look for an alternative housing arrangement, renter's insurance will cover the cost of temporary accommodations. Given that hotels and most other short-term arrangements aren't cheap, this can be a massive help.
Affordability
Tenant insurance in Saskatchewan provides incredible peace of mind for relatively little money. Rates dip as low as $15 per month, which is less than you'd spend on parking for a couple of hours in some parts of Vancouver!
In other words, it's a very small price to pay in exchange for knowing your personal property is protected.
Receive Coverage Out of Your Home, Too
Renter's insurance also typically includes coverage for certain items even when you're outside of your home. Depending on the policy, this may include electronics, bicycles, and other items. Renter's insurance is often much cheaper than dedicated insurance for those particular items.
Keep in mind this coverage typically won't extend to more expensive items like jewelry, which you'd want to insure separately.
Benefit from Legal Liability Insurance Coverage
Even if you don't own anything you're financially incapable of replacing, tenant's insurance offers something very valuable: liability coverage.
If a guest injures themselves at your property and attempts to hold you liable, for example, tenant insurance may shield you from the financial burden.
This is especially important if you frequently have guests over or if you have pets capable of harming someone visiting your home.
A landlord’s insurance policy may cover tenant damage (i.e. vandalism or accidental destruction of property). However, it depends on the policy, including factors such as the landlord’s deductible.
The three main areas covered by renters insurance are:
Contents coverage for personal belongings such as furniture, electronics, and clothing
Additional living expense coverage (ALE) in the event of a loss and you are unable to reside in the unit until repairs are finished,
Liability coverage in case someone is injured while in your rental home.
Tenant insurance is rated based on the type of unit you rent, number of tenants in the unit, value of your contents, physical location of the unit, prior tenant or home claims in the past under your name.
No. If you rent the unit you live in you only require tenant insurance which is often more affordable than home insurance. You want to be properly insured, and the best tenant insurance Alberta has to offer will do that for renters.
You can contact your assigned insurance broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.
The law does permit landlords to include an insurance policy as a lease requirement. Many landlords do so as a tenant’s policy serves to reduce their overall risk.
You’ll need to provide basic information about yourself and the property you’re renting if you want to get insurance online over over the phone, including:
- The address
- The cumulative value of your personal property
- Who else will be occupying the rental property (you want to make sure that all renters are covered under their own policies.
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Surex insurance tips & advice
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