Renters Insurance

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Renters Insurance: Protect Your Belongings with Affordable Coverage

Here in Saskatchewan, from unexpected water damage to fire hazards, your personal belongings face unique risks year-round. Get instant quotes and buy your policy online 24/7 through HWICLICK.

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Why Purchase Renters Insurance in Saskatchewan?

When you purchase renters insurance, you’re protecting your belongings, liability, and more.

Renter Insurance Coverages List

Coverage Types at a Glance

Coverage Type Included Available as Add-On
Your Belongings →
Personal Liability →
Additional Living Expenses →
Overland Water →
Sewer Back-Up →
Home Systems Protection →
* Optional coverages available upon request.


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 for high-value items such as jewellery, watches, art, bicycles, instruments, etc. Under this wording, there is a limit to the amount of coverage you can receive during a claim.

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Personal Liability Insurance

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.

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Sewer Back-Up Coverage

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.

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Overland Water Coverage

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.

Overland water coverage is not universally offered and varies by provider. Please confirm availability with your specific insurer.

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RENTAL PROPERTY


Rental Property: Protection for Landlords

Your standard home insurance won’t adequately cover a property that you rent to others. This leaves you exposed to tenant-related risks, like damage to the building or loss of rental income.

Landlord Insurance provides essential liability coverage and protects your investment property against exposures specific to renting.

See Landlord Coverage

Your HWICLICK Service HUB

This page provides everything you need to manage your insurance. You’ll find direct links and info for making a payment, filing a claim, or speaking with an advisor.

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New! Renters Insurance is Now Available for Alberta

We’re excited to announce that we now offer Renters Insurance to our clients across Alberta. Don’t leave your personal items unprotected. Get the essential coverage you need for peace of mind, now available specifically for Alberta residents.

Image illustrating renters insurance content or an Alberta rental property

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Frequently Asked Questions

What does renters insurance cover?

Renters insurance covers your personal belongings against risks like fire, theft, and water damage. It also provides liability protection if someone is injured in your rental unit.

How do I figure out how much my stuff is worth to replace for my insurance?

Taking inventory is a good place to start. You can take a picture of your closet or a video of you walking through each room so you have a visual record of what you own. Track expensive purchases like a new TV or golf clubs by having the receipts saved somewhere.

Does my renter’s insurance cover my roommate?

No, unless the roommate is listed as insured on the Cover Page. However, if your roommate falls under the definition of an unnamed insured, they will still be covered without the need to list their name on the policy. To determine the qualifications of an unnamed insured person(s) living in the same household, please consult your insurer’s wording booklet.

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