High Risk Home Insurance Saskatoon
Stop Overpaying for Basic Coverage
You’re paying more for your home because insurers are terrified of Saskatoon’s weather and older homes. We provide high-risk home insurance Saskatoon residents can afford, all online. So when a hail storm shreds your siding, you make a claim, and we pay as covered in the insurance. Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay—all online in minutes.
Clicking the quote button starts a quick step-by-step form where you enter your info, get matched with discounts, customize coverage, get a quote, and (if you want) pay — all online in minutes.
Non-Negotiable Coverage for Your Saskatoon Home
Fire, Wind, & Hail
Your house insurance policy is built to handle the violent storms that sweep across the prairie, covering damage from the big three threats.
Guaranteed Replacement Cost
If your home is destroyed, we cover the full cost to rebuild it, even if that amount is higher than your policy limit. This is your shield against inflation and high construction costs.
Water Damage & Sewer Backup
It protects you from the mess and expense of a burst pipe in the dead of winter or a sewer back up during a heavy rain.
Liability Coverage
Protects your finances if someone gets injured on your property and decides to sue. It handles the legal costs and potential payouts.
Theft
If you’re the victim of a break-in, this coverage helps you replace your stolen personal property.
Additional Living Expenses
If a covered claim makes your home unlivable, we pay for your hotel and meals while repairs are being done.
House, Condo, or Tenancy? You’re Protected
For Homeowners
You’re protecting the whole thing—the structure, everything inside, and your personal liability. Your coverage is based on the true cost to rebuild, not just what it might sell for.
For Condo Owners
The condo corporation’s policy covers the building, but nothing inside your walls. You need to protect your unit, your belongings, any upgrades, and your own personal liability.
For Tenants
Your landlord’s insurance doesn’t cover you or your stuff. Tenant insurance is for your personal belongings, liability, and living expenses if you’re forced to move out after a fire or flood.
For Landlords
Protect your rental property from damage and cover your specific liabilities as a landlord. Whether it’s a full house or a basement suite, get the right insurance plan.
Get Covered Online in Minutes: How It Works
You've likely had enough stressful conversations about your home insurance. Our process is different.
Free Quote in Minutes
Answer a few questions and get a real quote — no phone call required.
Control Policy 24/7
Manage your policy, coverage, and documents anytime online.
Flexible Payment Options
Pay monthly or annually — whatever works for your budget.
Instant Proof of Insurance
Download your pink card or lender letter the moment you're covered.
We’re Already Covering Your Neighbours
From Stonebridge to Silverwood Heights, we’re helping Saskatoon residents get the house insurance they deserve.
- ✓Over 107,000 quotes and counting
- ✓Trusted by Canadian homeowners, renters, and landlords
- ✓4.9/5 rating from hundreds of real-life customers
Insurely Inc.
4.9 ★★★★★ (445)
Insurance broker · Google review
FAQs
Insurers track the claims history of a property, not just the owner. If the last owner had multiple water damage claims, the property itself is flagged as having a higher risk for that issue. It will impact your initial home insurance costs, but a claim-free period under your ownership can improve that over time.
Very specific. Your policy’s contents coverage has a maximum limit for items like jewelry, art, and high-end electronics. If your collection is worth more than that limit—say, $5,000 for jewelry—you need to list those items separately to have them fully covered. Don’t assume they’re automatically included.
You must tell your insurance provider before you start. Major renovations, especially if they involve structural changes or plumbing, increase risk. Your existing home insurance policy might be voided during construction if you don’t have the right additional coverage in place.
It’s highly likely, yes. Making an insurance claim, particularly for a significant covered loss, removes any claims-free discount you had. Your premium will almost certainly increase at renewal time, as your risk profile has changed.
A standard home insurance policy has strict eligibility requirements. They are for homes with no past claims, new roofs, updated wiring, and so on. Our policies are designed for the properties that don’t meet that perfect standard but still need complete coverage.
Yes. Our online services are designed to be clear and straightforward, allowing you to select coverage options and buy online in minutes. For many, this is faster and easier. If you do get stuck or need expert advice, our agents are ready to help. You get the convenience of digital with a human backup.
Bundling home and auto policies is a popular way for companies that sell both types of insurance products to offer additional savings. Insurely focuses only on property insurance. We don’t offer car insurance, so we can’t bundle. We concentrate on giving you the most competitive rate and the right coverage for your home right from the start.