Compare the best Saskatchewan home insurance quotes & save today

SGI, TD, and CAA insurance may rank high on your list of home insurance companies in Saskatchewan, but there are many more insurers to consider. It can be time-consuming to get quotes from each. Recognizing this, we built a home insurance calculator to help you compare rates from multiple insurance companies ranked by the cheapest price.

We ask the standard questions insurance providers want to know and send requests to each to quote on your unique situation saving you hours of time. Not only that, but you'll also save money because you'll get to see first hand which company wants your business the most. 

The best home insurance company for you is the one that gives you the best price for the same coverage. We help you do that. 

The average cost of home insurance in Saskatchewan is $1,100 annually or just over $90 per month. This price varies greatly based on your location (e.g. Regina, Saskatoon), size of the home, and type of home insurance. 

For instance, condo insurance, will be about half of that cost because you're only insuring your unit. The building is covered by its own insurance, which you pay for through your condo fees. 

If you're a tenant, renters insurance can be as cheap as $15 per month. 

You can start by comparing quotes at the top of this page. It ensures you're getting the best price based on your unique housing situation. 

A good credit score can help you get lower rates. Some insurers don't ask for it, but be sure to offer it up (especially if your score is good). 

You can also increase your deductible. Your deductible is the portion you pay before your insurance company pays the rest. Increasing the deductible reduces the chance you'll make a small claim, and therefore decreases the risk to the insurer who will then reduce your premiums. 

If you can afford it, pay annually. It reduces administration fees and you're less likely to leave. 

Get a monitored alarm system installed. Any way that you can reduce risk is a positive sign to the insurance company. 

Finally, get the right coverage. Don't be over or underinsured. You don't need earthquake insurance in Saskatchewan, but getting the right amount of contents insurance to protect your most valuable possessions could be a smart move. 

Unlike car insurance, where age and gender can play a role in determining your rate, home insurance only cares about the home itself. You can get married, share the home with your new spouse, and even add children if you want to and it won’t affect the rate you pay.

There isn't much excluded from standard policies. If it's not covered, it's most often due to wear and tear that gets worse due to negligence. For instance, mould is seen as a lack of maintenance from a homeowner. If a home insurance claim could have been avoided with regular maintenance, you can expect it to not be covered.

Other common exclusions include infestations from termites or rats, home businesses, dangerous dogs, and sewer backup.

Otherwise, you're likely covered. The question then becomes should you make a claim? The easiest answer is the cost of the claim should grossly outweigh the cost of your deductible. If your kid smashes a window and you want to file an insurance claim, first get an estimate on the repair. If the repair is $200 and your deductible is $1,000 then it really doesn't make any sense to file a claim. 

Yes, if you’re unhappy with your rate or customer service, feel free to move on. However, before you do, know that it's better to switch insurance companies to avoid any fees or gaps in coverage.  

A home insurance peril is an unknown or accidental event. For instance, if your home is struck and damaged by lightning, creating a hole in your roof, there is no way you could have prevented it. But a home insurance policy is not a maintenance plan so if your roof has slowly degraded over time and now needs replacing, it is not a peril since its eventual replacement is expected.

Make a complete list of damaged or stolen items. Call your insurance provider as soon as you can and ask about what you’re entitled to, especially if you can’t currently live in your home as you may be entitled to hotel and food expenses. A claims adjuster will be in contact with you to fill out a proof of loss form. Ask about using your own contractor or if you’re required to use one they supply to repair the property.

Your deductible is the portion of the claim you’re responsible for paying before the insurance company will pay the rest. A higher deductible, meaning you'll pay more than standard in the event of a claim, will result in lower premiums.

Yes, is the simple answer. While Airbnb does provide host protection, it may not be enough. You should contact your insurance provider before any changes to your policy and that includes renting it out. If they’re not ok with you renting your property, you can move your policy to another provider who will.