How much is home insurance in Saskatchewan?

Home insurance in Saskatchewan averages $1,100–$1,600/year. Regina and Saskatoon are in the $1,200–$1,700 range. Hail exposure and flooding risk contribute to higher costs than Atlantic provinces.

Does Saskatchewan home insurance cover hail?

Yes — standard comprehensive home insurance policies include hail damage under the dwelling coverage. Saskatchewan is part of Canada's hail belt, and hailstorms can cause significant roof and siding damage in both Regina and Saskatoon.

What is not covered by Saskatchewan home insurance?

Standard policies typically exclude overland flooding, sewer backup, and earthquake. Saskatchewan's flooding risk has grown significantly — overland flood coverage is a recommended add-on, especially for homes near waterways.

Which companies offer home insurance in Saskatchewan?

Major insurers in Saskatchewan include SGI Canada, Intact, TD Insurance, Wawanesa, and The Co-operators. SGI Canada (the commercial arm of SGI) is one of the most competitive options for Saskatchewan homeowners.

Home Insurance Saskatchewan | Average Rates & Best Companies (2026)

Saskatchewan sits in the middle of the pack for home insurance costs in Canada. Significant hail risk — Saskatchewan is part of the same storm corridor that makes Alberta so expensive — combined with growing flooding concerns and long, harsh winters keeps premiums above the Atlantic provinces and Quebec. However, Saskatchewan’s lower rebuild costs and smaller urban centres mean it remains substantially cheaper than Ontario or British Columbia.

Saskatchewan home insurance costs reflect Prairie weather exposure. See average home insurance Canada and the home insurance guide.

Average Home Insurance in Saskatchewan

By City and Region

Location	Average Annual
Regina	$1,200–$1,700
Saskatoon	$1,200–$1,700
Moose Jaw	$1,100–$1,500
Prince Albert	$1,100–$1,500
Swift Current	$1,050–$1,450
Lloydminster (SK portion)	$1,100–$1,500
Rural Saskatchewan	$950–$1,400

Regina and Saskatoon are similar in cost. Rural Saskatchewan benefits from lower rebuild costs and lower theft risk, though agricultural properties have their own specific coverage needs.

By Property Type

Property Type	Average Annual
Detached house (average)	$1,100–$1,600
Semi-detached	$950–$1,400
Townhouse	$850–$1,300
Condo unit	$350–$650
Rural/acreage home	$1,100–$1,700

Saskatchewan’s Key Risks

Hail

Saskatchewan sits in the northern edge of North America’s hail corridor. While not as severe as Calgary, Regina and Saskatoon experience significant hailstorms that damage roofs and siding:

Hail Coverage	Included
Roof damage from hail	YES — standard comprehensive
Siding damage	YES — standard comprehensive
Detached structures	YES — garage, shed

Flooding

Saskatchewan has experienced serious flooding in recent years, particularly in Regina’s low-lying areas and along the Qu’Appelle and Saskatchewan river systems.

Flood Type	Standard Coverage	Add-On
Overland flooding	NO	Overland flood endorsement
Sewer backup	NO	Sewer backup endorsement
Burst pipe	YES	N/A
Spring runoff near waterways	NO	Overland flood needed

Extreme Cold

Saskatchewan has some of Canada’s coldest temperatures. Frozen and burst pipes are a significant risk:

Cold Weather Risk	Coverage
Burst pipes from freezing	YES — standard
Heating system failure damage	YES — if sudden and accidental
Gradual damage from drafts	NO — maintenance issue

What Standard Coverage Includes

Coverage	Details
Dwelling	Hail, fire, windstorm, vandalism, ice damage
Personal property	Contents against named perils
Liability	Injury to visitors on your property
Additional living expenses	Temporary housing costs
Detached structures	Garage, shed, fence

Recommended Add-Ons for Saskatchewan

Add-On	Why It Matters	Cost
Overland flood	Growing flood risk province-wide	$100–$400/year
Sewer backup	Common after heavy rain	$75–$175/year
Water damage (enhanced)	Extra protection against water claims	$50–$150/year

Best Home Insurance Companies in Saskatchewan

Insurer	Notes
SGI Canada	Saskatchewan-based, very competitive, widely trusted
Intact Insurance	National leader
Wawanesa	Strong Prairies presence
TD Insurance	Multi-product discounts
The Co-operators	Cooperative model, strong in SK
Economical (Definity)	Broker-distributed
Aviva	National presence
Gore Mutual	Available in Saskatchewan

SGI Canada is the commercial/personal lines arm of Saskatchewan Government Insurance (separate from the mandatory auto fund). As a Saskatchewan-based insurer with deep roots in the province, SGI Canada is frequently the most competitive option and worth getting as your first quote.

How to Save on Saskatchewan Home Insurance

Strategy	Savings
Bundle home and auto	10–25%
Increase deductible	10–20%
Impact-resistant shingles	10–25% on hail/wind portion
Monitored security system	5–15%
New plumbing and electrical	5–15%
Claims-free loyalty	5–10%
Pay annually	2–5%
Water leak sensor	2–5%
Pipe freeze detection	2–5%

Impact-Resistant Roofing in Saskatchewan

As with Alberta, upgrading to impact-resistant (Class 4) shingles when replacing your roof can provide meaningful discounts on the wind/hail component of your premium. For a province with real hail exposure, this can pay off faster than in lower-risk provinces.

Saskatchewan vs Other Provinces

Province	Average Annual
Alberta	$1,600–$2,200
BC	$1,400–$2,000
Saskatchewan	$1,100–$1,600
Ontario	$1,200–$1,800
Manitoba	$1,100–$1,500
Nova Scotia	$1,000–$1,400
New Brunswick	$950–$1,300
Quebec	$800–$1,300

Saskatchewan sits roughly in line with Manitoba and below BC and Ontario despite sharing the Prairie hail risk, largely because rebuild costs and urban density are lower.