With HWICLICK, you can quote different deductible options or purchase personal liability coverage in minutes. Our online portal instantly gives you access to your policy documents and allows you to make updates 24/7.


Understanding your home's insured value

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Want to learn about your insurance? Click on one of the below topics!

Dwelling Coverage

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.

Service Line Endorsement

You are responsible for the water and sewer lines that connect your home to the municipal system. That includes repair costs if they rupture or need replacing under your property line. Service Line Coverage will help cover digging up your yard and repairing/replacing the damaged pipe.

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.

Personal 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 ensure you’re appropriately protected is essential.

APEGS Home Program

Members of APEGS have access to an exclusive discounted home, condominium, and tenant protection program. Whether you own your home or are renting, we can provide you with solid coverage at a price that can only be found with Harvard Western Insurance.


Loan Protection

Did you get a mortgage? If you did, you might have also signed up for a form of Life Insurance! Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. Find out about the difference in coverage when you have a policy designed to protect your assets and your family.


Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!


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