Renters Insurance

Start Your Quote Today by Selecting your Province:

Sask Quote ← OR  Alberta quote ←

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Protect Your Belongings With Affordable Renters Insurance with HWICLICK!

Here in Saskatchewan, from unexpected water damage to winter fire hazards, your personal belongings face unique risks year-round. That’s why having renters insurance isn’t just a box to check on your lease agreement; it’s about giving you real peace of mind so you can enjoy your rental space without constant worry.

Click on one of the topics below to unpack your Renters Insurance:

Get Quote Select ←

Are you an Alberta resident? Click Here

OR

Are you a Saskatchewan resident? Click Here

Contents Coverage ←

Contents or belongings insurance is a specific amount to replace your clothes, furniture, TV, appliances, etc. Our personal belongings might cost tens of thousands of dollars to replace. This coverage cannot be removed from your Tenant insurance policy; however, you can choose the coverage limit.

Click here to see our downloaded checklist to help determine where to start.

Personal Liability ←

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.

Liability insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

 

Valuable Item Limits ←

Personal Valuables/Increased Limits Coverage enables you to increase the insurance amount for a specific high-value item that would otherwise surpass the limit provided in your base policy.

– Fine Jewellery
– High-value watches
– Works of Art
– Bikes

Sewer Back-Up ←

Living in a building with shared plumbing means you can’t predict what may be going down the drain. But when it comes back up, it’s gross.

Root growth, blockages, or even breaks in pipes exiting your property or apartment building can cause backups in kitchens, laundry rooms, or bathrooms. A standard insurance policy doesn’t automatically provide coverage for sewer backup, but you’ll often be able to purchase coverage as a rider.

 

Personal Health Plan ←

Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits, whether you’re looking for individual or family health insurance that best meets your needs. A Basic Plan Includes:

  • Dental
  • Prescription Drugs
  • Health Practitioners

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Why Purchase Renters Insurance in Saskatchewan?

Many renters mistakenly believe their landlord’s insurance covers their personal belongings. Unfortunately, that’s not the case. Your landlord’s policy typically only covers the building structure, leaving your valuable possessions unprotected. When you purchase renters insurance, you’re protecting:

Renter Insurance Coverages List

What is Tenant Insurance?

Who’s Covered: The policy extends its protection to tenant/occupant but also includes immediate relatives, dependents, and additional listed insureds.

What’s Covered:

  • Your furniture, electronics, and clothing from fire, theft, and water damage from a burst/cracked pipe
  • Your financial security with liability coverage if someone is injured in your unit
  • Coverage for additional living expenses if your rental becomes uninhabitable

Excited Young Woman Tenant Renter Showing Key to New Apartment

Purchase Renters Insurance Online in Minutes with HWICLICK

We understand you’re busy, and getting insurance shouldn’t be complicated. That’s why we’ve developed HWICLICK, our user-friendly online platform, you can:

  • Get a personalized quote in minutes
  • Customize your coverage to fit your specific needs and budget
  • Purchase your policy securely online when it’s convenient for you
  • Access your policy documents instantly

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How Much Does It Cost to Purchase Renters Insurance?

We understand that affordability matters. The good news is that renters insurance is typically much more affordable than most people expect. In Saskatchewan, policies generally range from $25-35 per month, depending on factors like:

  • The amount of coverage you need
  • Your location
  • Your claims history
  • Your chosen deductible
  • Available discounts

Calculate your rate 

How can I save money on tenant insurance

Rental Property Insurance: What Landlords Need

As a landlord, your rental property is a significant investment.

Rental property insurance isn’t just standard home insurance; it’s specifically designed to cover the unique risks that come with owning a property you rent out. For example, damage to the building itself, lost rental income if your property becomes uninhabitable, or liability if someone is injured on your property.

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rented dwelling insurance

Do you have a question about renter insurance?

Check out our Renter Insurance FAQ ←

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