House Insurance – Saskatchewan
As your local house insurance experts, we know that each home in Saskatchewan is unique in its own way. From farming communities spanning the prairies, to those who watch the sunrise over city centres, it’s not hard to understand why people are proud to call Saskatchewan home. If you’re looking for the best home insurance in Saskatchewan (SK), you’re in the right place – Westland advisors have the experience and advice you need to build the perfect policy.
We understand it’s vital to protect what’s most important to you and your family. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on the important stuff.
Start an online quote for house insurance today!
House insurance in Saskatchewan, explained
House insurance in Saskatchewan is the safety net you need for peace of mind. It offers protection from the unexpected, ensuring you’re not on the hook for 100% of the expenses to repair your house, replace your belongings, or find alternate accommodations while your house is being repaired.
Understanding exactly how house insurance in SK works and the protections it can provide can sometimes feel overwhelming – that’s why having a reliable insurance advisor is key. Westland advisors are always standing by to help you build the perfect policy – so whether you choose to visit one of our branches near you or request a quote online, you can rest assured you’ll get the expert advice you need.
What does Saskatchewan house insurance cover?
House insurance policies in Saskatchewan are made up of a few different types of protection. This includes protection for the physical structure of your house and any others on your property (like a shed or gazebo), personal belongings inside your house, and liability coverage if someone is injured on your property or if you’re responsible for injuring another person or damaging their property.
House insurance in Saskatchewan comes with a number of standard coverages to make sure you’re protected – plus, you can level up your policy with additional coverage for even more security.
What your house insurance covers can be customized by adding additional coverages, like Overland Water and Sewer Backup for water damage, or enhanced By-Law coverage to ensure your house repairs are always up to code.
For the best house insurance in Saskatchewan, you’ll need a good understanding of typical home insurance coverages, as well as those you can add for extra protection.
Also referred to as property or fire insurance in SK, dwelling coverage helps cover the cost of rebuilding or repairing the structure of your house in the event of an insured loss.
Also called contents insurance in SK, this protects your personal belongings that are inside your house. They’ll be repaired or replaced if they’re damaged or lost due to an insured loss. Most standard house insurance policies will protect them whether they’ve been damaged at home or anywhere in the world.
This provides protection for additional structures on your property like a shed, guesthouse, or gazebo.
If your house becomes unliveable due to an insured loss, the increased expenses to relocate will be covered. This typically covers a portion of food, hotel or rental charges, and other costs you wouldn’t normally be responsible for while living in your own home.
Provides protection if someone is injured on your property by covering legal costs if you’re held legally responsible. This will also cover you if you cause injury or property damage to others either at home or anywhere in the world.
If your house requires repairs, this coverage protects you for any improvements required as a result of updated by-laws.
Helps cover loss or damage caused by water that enters your house as a result of torrential rainfall, the sudden rising of a fresh body of water, or the sudden melting of snow or ice.
Covers damage caused by the escape of wastewater or sewage into your house.
This covers common equipment in your house like heating and air conditioning systems if they fail to operate because of mechanical or electrical failure.
Helps pay for the repair or replacement of service lines to your house. This coverage can include underground water and sewer piping, electrical service lines, and more.
Add this endorsement to avoid having your first house insurance claim impact your premium.
Get help through the recovery process if you or someone in your household is a victim of identity theft.
You can add certain belongings to your policy for extra coverage and lower deductible – think jewellery, fine art, expensive sports equipment. There are generally specific limits on standard house insurance policies to ensure your valuables are adequately protected.
When your house becomes vacant, coverage will cease unless you add a vacancy permit to your policy.
How much is house insurance in Saskatchewan?
Wondering how much home insurance is in Saskatchewan? On average, Westland clients pay $1,000-$3,000 a year for house insurance. This is the average cost of house insurance in Saskatchewan – how much you pay depends on where you live, your house, and other variables.
What factors determine the cost of house insurance in Saskatchewan?
How much you pay for house insurance in Saskatchewan depends on the coverage you choose, the type of house insurance you need and other factors including:
Depending on how old your house is, it could be more at risk of a claim compared to others.
Your address provides insight into whether your area is prone to flooding, at risk of crime, and other common types of claims made. Its distance to services is also taken into account – the proximity of your home to emergency services like a fire station or fire hydrant will affect your claims risk, and premium.
Some materials are harder to work with, could pose an increased risk, or increase the cost of repairs/replacement. The materials used during the construction of your house will inform the price of your insurance.
Your house insurance premium can be reduced when you’re eligible for discounts. Most insurance companies in Saskatchewan offer discounted rates for things like consenting to a credit check, having a good claims history, and more.
How to save on house insurance in Saskatchewan
Looking for cheap house insurance in Saskatchewan? The easiest way to save on your house insurance is to regularly review your policy. Work with your advisor to optimize your coverage, asses your policy limits, and make changes as needed – life can be fast-paced, and your insurance should keep up. Reviewing your house insurance policy will help ensure you have the coverages you need and avoid paying for those you don’t.
Plus, many insurance companies offer a menu of discounts you may be eligible for, bringing down the overall cost of your insurance.
Discounts on house insurance in Saskatchewan
Customers 55+ can save more on house insurance.
Get rewarded for having a good house insurance claims history.
Protect your house with an alarm system to deter break-ins and theft.
Enjoy a loyalty discount when you stay with your insurance provider for multiple consecutive years.
Maintain a good insurance score (based on your credit history) for extra savings on your house insurance.
Areas we serve in Saskatchewan
Saskatoon
Regina
Prince Albert
Moose Jaw
Swift Current
Yorkton
North Battleford
Weyburn
Estevan
Melfort
Humboldt
Martensville
Lloydminster
Warman
Melville
Kindersley
La Ronge
Tisdale
Nipawin
Battleford
Why choose Westland for Saskatchewan house insurance?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized house insurance coverage in Saskatchewan to suit your lifestyle.
Our large network of insurers means more choice
We have a large network of insurers that we can tap into - guaranteeing great rates and options - so you know you’re not missing out.
We work hard to make things simple
Whether it comes to finding the right house insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of a house insurance claim
You come home after a long day to find that your home’s been flooded. The floors are soaked with wastewater, your furniture has been ruined, and the water accumulated in your house is ankle-deep. What now?
Your house insurance in Saskatchewan may spring into action, with different parts of your policy stepping in to help:
Building/Dwelling coverage
Damage to your house’s structure could be addressed and repaired to make things safe for your family again.
Additional Living Expenses
It’s unsafe for you and your family to stay in a house with wastewater, so you’ll need to find alternative living arrangements. The cost of a rental, hotel room, food, and other living expenses could be covered while your house is being repaired.
Personal Property coverage
Damaged items – like furniture, clothes, and electronics – that need to be repaired or replaced are usually covered under your Personal Property coverage.
Sewer Backup
Water damage to the inside and structure of your house may be covered by this endorsement.
Claims Forgiveness
You’ve had to make a claim due to the incident, but rest assured it won’t impact your premium when it’s up for renewal.
Connect with us
Our expert advisors are waiting to help you find the perfect house insurance.
Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
FAQs about house insurance in Saskatchewan
You may be asking yourself, is house insurance mandatory? While house insurance isn’t required by law, many lenders require that you have it before getting a mortgage. It’s a small investment to ensure you’ll have peace of mind in case of an emergency – and can help you avoid dipping into your emergency funds.
Types of home insurance coverage you can get in Saskatchewan include coverage for the structure of your home, protection for the contents of your home, personal liability, coverage for additional living expenses, overland water and sewer backup, amongst others.
Since home insurance is required by law, there’s no standard home insurance policy that you must have in Saskatchewan. However, most basic home insurance policies will offer coverage for the structure of your home, your personal property inside it, personal liability, and coverage for additional living expenses.
What your home insurance policy in Saskatchewan covers depends on the coverage you choose. Home insurance helps protect your home and your belongings in case of theft, loss or damage. It can also help cover additional living expenses if your home becomes unliveable due to an insured loss.
Contact Westland today to discuss your options, and to find a home insurance policy that has all the protection you need for peace mind.
Types of house insurance in Saskatchewan
Condo insurance
Suited for condo owners, condo insurance protects your unit, what’s in it, your liability, and renovations and upgrades you might make inside it. Made to complement your condo corporation’s insurance, it’s the protection you need to safeguard your investment.
Tenant insurance
While your landlord’s policy will protect the structure of your home, you’ll still want tenant insurance – also referred to as renters or contents insurance – to keep your personal belongings covered, as well as have liability coverage for yourself.
Insurance for rental properties
Get the right protection for your rental property to safeguard your investment. Be covered for rental income loss, commercial use, and personal property you’ve trusted your tenants with (like yard maintenance equipment).
Cabin & cottage insurance
Protect your home away from home with a policy for your cottage or cabin. With specialized coverage, we’ll help you find the right policy for even the most remote locations.
Mobile home insurance
Similar to homeowner’s insurance but reflects unique aspects of a mobile home. Mobile home insurance policies offer typical coverages that ensure you can get back to normal as quickly as possible.
Buy house insurance in Saskatchewan with confidence
Westland is your go-to for home and auto insurance in Saskatchewan. Whether you’re looking for house insurance quotes in Saskatchewan or would like to review your policy, our local insurance experts are ready to help. Get house insurance you can count on – contact a Westland Insurance advisor today.
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