Coverage guide
Before you get a quote, it helps to know what a home policy is built to cover, where the gaps usually are, and which questions to ask. This guide walks through the three common levels of coverage and what each one generally protects.
Levels of coverage
Insurers name and package their policies differently, so the labels below are general categories. Always read the wording of the policy you are offered.
Basic policies insure your home against a fixed list of named perils, such as fire, lightning, windstorm and theft. If the cause of a loss is not on the list, it is not covered. Basic coverage usually costs the least, but it leaves the most room for surprises.
Standard policies cover a longer list of perils than basic policies, and they often include more protection for your belongings. Many homeowners choose this level as a middle ground between cost and protection.
Comprehensive policies, sometimes called all-risk or open-peril, cover everything except what the policy specifically excludes. That makes the exclusions the part to read closely. Comprehensive coverage usually costs more, and it still has limits and conditions.
What a policy protects
Limits and deductibles vary from one policy to another, so confirm the amounts on your quote before you buy. To see how these choices affect price, read what home insurance costs in Saskatchewan and what affects your premium.
Common gaps
Many losses are excluded by default or only covered when you add an option. Ask about these before you choose a policy:
Before you get a quote
Talk to us
We arrange home, tenant and condo insurance across Saskatchewan from our office at 406 Main St in Hepburn. Tell us about your place and we will walk you through the options, and we can visit you at home if you prefer.
Office hours are Monday to Friday, 9 am to 4 pm, and Saturdays by appointment.
Already have a claim? See how to make a claim.