Home Insurance – Saskatchewan
Your home is your haven – your safe space where you’re most comfortable with your family, friends, and the place you trust to keep your things safe. Not to mention, it’s likely one of the biggest investments you’ll make. That’s why having the right home insurance in Saskatchewan (SK) is important. Home insurance in SK offers financial protection in the event of a loss, so you won’t have to worry about covering the cost of repairing or rebuilding your home out of pocket. Plus, get protection for your personal belongings at home, and be covered if you’re held legally responsible for incidents on your property.
Ready to protect your peace and safeguard your investment with a home insurance policy made just for you? Whether you’re looking for home insurance quotes in Saskatoon or Moose Jaw our local insurance experts are waiting to help you get the coverage you need at a price you’ll love.
Get InsuranceHome insurance in Saskatchewan, explained
Home 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 home, replace your belongings, or find alternate accommodations while your home’s being repaired.
Understanding exactly how home 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 branchesvisit 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 home insurance cover?
Home insurance policies in Saskatchewan are made up of a few different types of protection. This includes protection for the physical structure of your home and any others on your property (like a shed or gazebo), personal belongings inside your home, and liability coverage if someone is injured on your property or if you’re responsible for injuring another person or damaging their property.
Home insurance in Saskatchewan comes with several standard coverages to ensure you’re protected – plus, you can level up your policy with additional coverage for even more security.
What your home 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 home repairs are always up to code.
Also referred to as property or fire insurance in SK, dwelling coverage helps cover the cost of rebuilding or repairing the structure of your home in the event of an insured loss.
Also called contents insurance in SK, this protects your personal belongings that are inside your home. They’ll be repaired or replaced if they’re damaged or lost due to an insured loss. Most standard home insurance policies will protect them whether they’ve been damaged at home or anywhere in the world.
This protects additional structures on your property like a shed, guesthouse, or gazebo.
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 home 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 home 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 home.
This covers common equipment in your home 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 home. This coverage can include underground water and sewer piping, electrical service lines, and more.
Add this endorsement to avoid having your first home 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 home insurance policies to ensure your valuables are adequately protected.
Many homeowners are opting to add personal cyber protection to their home insurance policy. With more elements of day-to-day life being online, it’s more important than ever to protect your personal information and digital identity.
When your home is becomes vacant, coverage will cease unless you add a vacancy permit to your policy.
How much is home insurance in Saskatchewan?
On average, Westland clients pay $1,000-3,000 a year for home insurance in Saskatchewan. How much you pay for home insurance in Saskatchewan depends on where you live, your home, and other variables.
What factors determine the cost of home insurance in Saskatchewan?
How much you pay for home insurance in Saskatchewan depends on the coverage you choose, the type of home insurance you need and other factors including:
Depending on how old your home 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 – your homes proximity 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 home will inform the price of your insurance.
Your home 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 home insurance in Saskatchewan
The easiest way to save on your home insurance in Saskatchewan 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 home 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 home insurance in Saskatchewan
Mature customer
Customers 55+ can save more on home insurance.
Claims-free
Get rewarded for having a good home insurance claims history.
Monitored alarm system
Protect your home with an alarm system to deter break-ins and theft.
Renewal
Enjoy a loyalty discount when you stay with your insurance provider for multiple consecutive years.
Insurance score
Maintain a good insurance score (based on your credit history) for extra savings on your home insurance.
Why choose Westland for your home insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized home 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 home insurance coverage or navigating a claim, we keep things simple and use language that everyone can understand.
Example of a home 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 home is ankle-deep. What now?
Your home insurance in Saskatchewan may spring into action, with different parts of your policy stepping in to help:
- Building/Dwelling coverage
Damage to your home’s structure can 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 additional cost of a rental, hotel room, food, and other living expenses could be covered while your home is being repaired. - Personal Property coverage
Damaged items – like furniture, clothes, and electronics – that need to be repaired or replaced could be covered under your Personal Property coverage. - Sewer Backup
Water damage to the inside and structure of your home 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 home insurance policy.
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 home insurance in Saskatchewan
Do you need home insurance in Saskatchewan?
You may be asking yourself, is home insurance mandatory? While home 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.
What is the most common Saskatchewan home insurance coverage?
The most common coverage residents add to their policy is Sewer Backup and Overland Water. It’s important to have comprehensive home insurance to ensure you’re protected from the unexpected.
What are home insurance costs most affected by?
The price of home insurance in Saskatchewan is most affected by the value and location of your home. Living in high-risk areas, like those with higher crime rates, can impact how much you pay for home insurance.
How can I save more on home insurance in Saskatchewan?
The best way to save on home insurance is to get quotes from multiple providers. The prices and plans you’ll get from each will vary, making it easy to select the best option for you. Westland’s network of providers means that we do the legwork for you – we have more rates and options available, and our advisors will guide you every step of the way to ensure you get the coverage you need at a price you’ll love.
Types of home 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 home insurance in Saskatchewan with confidence
Whether you’re looking for home insurance quotes in Saskatchewan or would like to review your policy, our local insurance experts are ready to help. Get home insurance you can count on – contact a Westland Insurance advisor today.
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