House

With HWICLICK, you can purchase your house insurance in minutes, access your policy documents instantly, make updates to your coverage 24/7, and choose a payment plan that works best for you.

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Understanding your home's insured value

Coverages

Dwelling

This is your primary residence building itself. But your home isn’t just four walls and a roof. Any permanently installed outdoor equipment on your property, including swimming pools, is protected under your Dwelling limit.

Belongings

Your ‘stuff’ is a massive part of your life! With protection on your belongings, including your functional items (like your dishwasher and lawnmower) as well as your comfort items (like your excellent couch and big screen TV), you can rest easy knowing that in the event of a loss, your insurance coverage will replace or repair your belongings.

Service Line Coverage

You are responsible for the water and sewer lines that connect your home to the municipal system. If they rupture or need replacing under your property line, you are responsible for the repair costs. The cost to dig up your yard, repair/replace the damaged pipe, and put your yard back together again can run into the thousands! By putting Service Line Coverage on your home insurance, your policy will help cover these costs.

Water Protection

If you’ve never experienced a sewer backup or overland water claim, knock on your neighbour’s door, odds are they have. Water claims are more common in Saskatchewan than fire claims and can cause thousands in damages! Ask your advisor about how you can protect yourself against water damage.

Liability

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. Liability automatically comes with your home insurance, but reviewing your coverage with an advisor to make sure you’re appropriately protected is essential.

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Mortgage Insurance

Do you have a mortgage? If so, you were likely offered life, disability and critical illness protection on your loan. Please take 10 minutes to review your policy with one of our Life & Benefits advisors to ensure you are adequately protected!

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