Home Insurance

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Get an online Home Insurance quote in minutes with HWICLICK

It’s more than just a dwelling; it’s the haven you cherish. If you live in Saskatchewan, you can now buy your home insurance online with just a few clicks! Don’t worry; we have a team of advisors ready to help you so you can get back to the important stuff—like making memories in the place you love.

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

Dwelling & Detaches Structures ←

This is your primary residence building itself. Your Dwelling coverage encompasses your principal residence or mobile home 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 determine the qualifications of what is considered covered by your dwelling, please consult your insurer’s wording booklet.

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. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

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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 Equipment ←

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.

Mortgage Insurance/Loan Protection ←

Did you get a mortgage? If you did, you might have also signed up for a form of Life Insurance with your bank as well. Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. By switching your coverage from the bank you can save 30-50% on your mortgage insurance. To learn more on how to better protect you and your investment check out:

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How much does home insurance cost in Canada?

On average, home insurance in Canada costs approximately $1,000. However, prices vary among insurers and provinces; for example, the average cost of home insurance in Saskatchewan is closer to $1,400/year before taxes.

How it’s calculated

The cost ultimately depends on your individual rating, discounts, and property details.

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Rising Costs: Why Home Insurance Increases Every Year

Association of Professional Engineers & Geoscientists of SK (APEGS) 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 our clients. Members of APEGS have access to exclusive discounted homes, condominiums, and tenant insurance.

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Apegs discount for insurance

Are you renting your house for extra earnings?

As a host, the extent of your home insurance coverage is restricted. Your policy assumes that you will reside in your house, so unrelated individuals staying in your residence are deemed an unforeseen hazard. As the property owner, you will bear financial responsibility for any damages caused by your guests and potentially assume liability for injuries or damages occurring within your premises.

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rented dwelling insurance

Do you prefer to work directly with a broker to help you find coverage for your home?

Fill out our quote form, and we’ll match you with an advisor and start finding an insurance solution for you!

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