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Protect Your Saskatchewan Home With Personalized Insurance Coverage

Here in Saskatchewan, our unpredictable weather, from summer storms to winter freezes, means your home faces unique risks year-round. That’s why having home insurance isn’t just about checking a box; it’s about giving you real peace of mind to enjoy the home you’ve worked so hard for.

Click on one of the below topics to unpack your Saskatchewan Homeowner’s Insurance:

Dwelling & Detached Structures ←

This is your primary residence building itself. Your Dwelling coverage encompasses your principal residence and any attached structures and additions.

These permanent fixtures and associated equipment are covered under this policy, provided they are not used for business or farming purposes.

To learn more about Rebuild Value vs Market Value for your home, Click Here ←

In case of discrepancy, the documentation prevails.

Contents & Personal Valuables ←

Contents insurance would include clothing, electronics, furniture, etc.; it provides protection for these items while they’re on your property or temporarily removed (like when travelling).

Personal Valuables Coverage is a specific insurance amount designated for a high-value item such as jewellery, watches, art, bicycles, instruments, etc. Under this wording, there is a limit to the amount of insurance you can receive during a claim.

 

Personal Liability Insurance ←

To be liable means simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages.

Accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement to pay. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

Sewer & Overland Water ←

Flood/Overland Water Damage: If the water touches the ground before entering your home, it’s overland flooding. Overland water coverage protects you from sudden damage caused by excessive rain, overflowing rivers, etc.

Sewer and Drain Back-up: Sewer backup coverage protects you from loss or damage to your property caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system.

In case of discrepancy, the documentation prevails.

Service Line & Home Systems ←

Service line coverage helps cover direct physical damage caused to the exterior underground piping that connects your home to utility or service lines. This includes communication lines, internet access, drainage, electrical power, waste disposal, water, and heating, such as natural gas lines.

Home Systems Protection (HSP), also known as Home Equipment Breakdown, is a type of coverage that explicitly protects the systems and appliances in your home. This can include your air conditioning and heating systems, electrical panels, and water heaters.

Online Payment Services ←

Credit Card & Interac Payment Options:

Click Here ←

What Does Home Insurance in Saskatchewan Typically Cover?

Your home insurance policy typically protects against:

Home Coverages List

Every home in Saskatchewan has its own story and specific needs. That’s why Harvard Western Insurance is partnered with several reputable insurers, including Aviva Canada, Peace Hills Insurance, Portage Mutual, Red River Mutual, SGI Canada, Sandbox Mutual, and Wawanesa Insurance.

Why choose to work with an insurance brokerage?

As an independent broker, we offer:

  • Personalized quotes from multiple top-rated insurance companies
  • Local advisors who understand Saskatchewan’s unique challenges
  • Customized coverage options that fit your specific home’s needs
  • Clear explanations of policy details in plain language
  • Ongoing support when you need to make changes or file a claim

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How to Save on Your Saskatchewan Home Insurance

While good home insurance is an essential protection, we understand you want to keep costs reasonable. Here are some ways our clients save:

  • Installing monitored security systems
  • Updating outdated electrical, plumbing or heating systems
  • Raising your deductible (while keeping it affordable for you)
  • Opt in for a credit discount, an additional rating factor based on the insured’s credit score

Rising Costs: Why Home Insurance Increases Every Year

Professional Engineers & Geoscientists of SK discount.

For over 18 years, we have worked closely with APEGS members to provide them with the best insurance they can find.

Through our partnership with our friends at Peace Hills Insurance, we offer a unique discount for homes, condominiums, and tenant insurance.

Get APEGS Quote

Apegs discount for insurance

Term Life Insurance Calculator ←

Life insurance provides a crucial safety net, ensuring your family can maintain their financial stability and cover expenses like mortgage payments, outstanding debts, and future education costs even in your absence.

Get Instant Term Life Estimates:

Calculate Your Rate

Wawanesa Term Life calculator 698x221

Do you have a question about homeowners insurance?

Check out our Home Insurance FAQ ←

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