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From prairie windstorms, severe rainfall, below-freezing temperatures during the winter, hailstorms, and other extreme weather conditions, owning a home in Regina means dealing with these hazards year-round. On top of this, living in an urban hub also comes with the risk of personal property theft that could leave you at a loss of thousands of dollars.
That’s where home insurance comes in. Your home is your haven, and home insurance is the safety net you need to protect your investment. Whether you live in Cathedral, Lakeview, East Regina, or Harbour Landing, the experienced insurance brokers at BrokerLink are here to help you find a customised solution for your home, lifestyle, and budget.
Don’t wait until disaster strikes; protect your home and peace of mind today.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Home insurance is a type of coverage specially designed to protect your home. You can think of it as a legal agreement you enter with your insurance provider. In exchange for a monthly premium, your provider agrees to offer financial assistance in the event your home is damaged, your personal belongings are stolen, or a liability claim is filed against you.
Standard home insurance encompasses four main protections:
Dwelling: This includes the walls, floors, doors, windows, roof, and foundation of your home.
Contents: Your personal property, whether it’s clothing, electronic devices, appliances, and more.
Liability: Protects you from potential injuries and accidental damage to third-party property.
Additional living expenses: In case you aren’t able to safely live in your home following a covered claim.
For most homeowners in Regina, home insurance is not really optional. With the right policy in place, you can protect your finances if something unexpected happens, such as a fire, theft, or a liability claim that could otherwise result in major out-of-pocket costs.
Regina homes also face seasonal risks that make coverage especially important, including sewer backups during spring thaw, flash flooding from flat terrain and overwhelmed storm drains, hail and strong winds that can damage roofs, siding, and windows, and extended winter cold that can lead to frozen pipes or ice-related damage. Without insurance, a single incident can leave you responsible for thousands in repairs and replacement costs. Home insurance is designed to keep those risks from landing entirely on your shoulders when the unexpected happens.
Although home insurance isn’t legally mandatory in Saskatchewan, most standard home insurance policies will feature the following four coverages:
Dwelling insurance
Contents coverage
Personal liability coverage
Additional living expenses
Overland flood insurance
Sewer backup coverage
Identity theft insurance
Dwelling insurance protects the physical structure of your home, such as the roof, windows, walls, and foundation, and any other detached buildings on your land. If an insured hazard damages the structure of your house, the dwelling portion of your home insurance policy will cover the cost of replacing or repairing it to its original condition.
Contents coverage safeguards the personal belongings in your home from damage and losses, whether it’s your clothes, home appliances, electronic devices, furniture and furnishings, and other items you own, against specified risks. Most of the time, the insured hazards listed under your contents coverage will be the same as those listed in your dwelling policy.
Personal liability insurance safeguards homeowners against any liability concerns that could occur on their property. For example, if someone is hurt at your home or you mistakenly cause property damage to a third party, technically, you could be held legally liable for the resulting expenses. This is where personal liability saves the day. This kind of coverage will cover healthcare expenses, repairs, replacement costs, and legal costs if you are sued for damages.
Additional living expenses will pay for hotel, food, and transportation if your home is damaged by a covered peril that has rendered your property unsafe to live in. For example, if your home floods as a result of a burst pipe, or a fire breaks out in your kitchen, this policy will cover the expenses until you are able to safely move back home.
Located on the shores of Wascana Lake, and with frequent heavy rainfall throughout the year, Regina is prone to flooding. While standard home insurance covers some forms of water damage, it does not automatically provide coverage for overland or groundwater floods. If your home floods and sustains water damage as a result of excessive rainfall, rising water levels, or springtime thawing, overland flood insurance will pay for the replacement or repair of your property and personal belongings.
If you live in an older neighbourhood like Cathedral or Lakeview, where storm drains often overflow, you may want to consider sewer backup insurance. Following significant rainfall, municipal sewage systems can get overwhelmed with surplus water. With nowhere else to go, water can be pumped back into your home via drains and toilets. Sewer backup insurance pays the cost of replacing or repairing items and parts of your house that have been contaminated by wastewater.
No home in Regina is immune to home theft. If your property is broken into and your personal information is stolen, such as your SIN, banking information, birth certificate, or other documents, identity theft insurance will cover the cost of replacing these items and recovering them if possible.
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Although home insurance is a recommended expense for all homeowners, it doesn’t mean you can save as much money as possible on your premiums without compromising your coverage. To keep more money in your pocket when purchasing home insurance in Regina, here are some helpful ways you can do so:
Bundling your home insurance with car insurance, home-business insurance, and other coverage you may have with the same insurance provider is one of the easiest ways you can save big on your insurance premiums. By bundling these policies with the same insurer, you can potentially save up to 15% on each individual policy.
Speaking of security features, to lower your risk profile and prevent property theft, consider purchasing security features like motion sensor lights, cameras, and alarm systems. At the same time, to prevent sewer or water damage in your home, installing a backwater valve and sump pump can also benefit you. It may even qualify you for a discount.
Beyond standard discounts for bundling policies, remaining claim-free, and installing safety measures in your home, there may be other savings available with your insurer. Don’t forget to ask whether you qualify for promos and discounts the next time you’re up for a renewal.
Insurers in Canada have different underwriting rules, which means what you’re quoted for home insurance at one, may not be the same as what you’re quoted at another. Therefore, you can benefit from shopping around and comparing home insurance quotes from at least one or two providers. And doing so, can potentially lead to big discounts on coverage.
The deductible is the amount you pay to your insurer when filing a claim, before your coverage kicks in to pay for any remaining expenses. As we mentioned, by increasing your deductible, you’re agreeing to pay more out of pocket if you need to file for reimbursement. But it can lower your premiums slightly. So, if you can afford to pay more out of pocket, it may be worth opting for.
Most insurance policies paid for on a monthly basis will have a surcharge added to their premium. This is because it costs insurance companies money to process each monthly payment that comes from your bank account. So, if you want to avoid these charges, consider paying for your home insurance upfront instead.
One of the easiest ways to keep your costs as low as possible is to remain claims-free. To do so, you’ll want to take proper care of your home and property throughout the year. Whether it’s cleaning the gutters, having your plumbing and electrical inspected annually, or installing security measures, all of these tasks will help you prevent your first claim and keep your insurance rates low over time.
Home insurance premiums in Regina are calculated using a similar method to auto insurance. The higher your risk profile, the more you’ll pay in premiums and vice versa. So, what factors do insurance companies consider when it comes to protecting your property? Without a doubt, you can count on the following factors to be considered, no matter which provider you get your coverage from:
The age and current condition of your property can play a major role in your home insurance premiums. If you live in an older home, especially one that was built before 1970, you’ll likely have outdated plumbing and tube wiring that can increase your risk profile. At the same time, properties that have not been well-maintained over the years can also increase your chances of filing a claim, which again increases your risk profile.
Customers with numerous insurance claims filed are more likely to be viewed as high-risk clients, as they are statistically more likely to file a claim in the future. In contrast, fewer claims mean lower premiums over time.
Properties located in flood-prone areas like Lakeview may cost more to insure than those in Harbour Landing, given the risk of potential damage. At the same time, if you happen to live in a Regina postal code with a high theft rate and claims rate, you could also pay more.
Homes with alarm systems, smoke alarms, sump pumps, and backwater valves lessen the likelihood of costly insurance claims, potentially lowering your rates. In contrast, those who live in older homes without security measures or upgraded infrastructure are more likely to be quoted higher home insurance rates.
The more insurance you select, the higher your home insurance rate is going to be. For instance, purchasing extra coverage, such as overland flood or identity theft coverage, can raise your premiums, but the peace of mind is worth the extra expense for most homeowners. Aside from that, your deductible can also affect the cost of your coverage. A lower deductible means that you’ll be paying more for your insurance plan, whereas a higher deductible may cut your premiums down.
As you should know, home insurance isn’t a one-size fit’s all solution. Here are some extra things you may need to consider as a first time homebuyer or long-term homeowner:
Older properties in Cathedral or Lakeview may require a special appraisal before you’re able to purchase home insurance. Due to antique materials and other unique characteristics that can be more expensive to replace, having an accurate appraisal of your property before purchasing coverage is essential to ensuring your coverage limits are high enough.
If you’re planning a vacation or leaving your home unoccupied for over 30 days, you’ll need to purchase vacant home coverage to ensure your home is protected. Most insurance coverage requires that household members be actively living in the property for insurance to be valid.
Should you choose not to inform your insurance provider that you’ll be away from your home for an extended time and something happens, there’s a high chance your insurer will not compensate you. For seasonal homes near Regina Beach, Pasqua Lake, or Lumsden, talk to an insurance broker about seasonal property insurance.
Are you planning a future renovation for your home? If so, you may need to consider construction coverage to protect your interests from liability claims and losses that could occur during the renovation process.
At the end of your renovation, you’ll also need to update your insurance company so your home insurance coverage matches your home’s new replacement value.
If you rent out a finished basement or secondary suite on your property to students attending the University of Regina, you’ll need to purchase landlord coverage to protect yourself from potential liabilities that may occur.
While tenant insurance is not legally mandated, you do have the right to ask your tenants to purchase this type of coverage as a condition of their lease agreement.
Whether it’s a burst pipe or a damaged roof, dealing with the aftermath is stressful enough, especially if you’ve never filed a home insurance claim before. To ensure the claims process is as smooth as possible, here’s what you’ll need to do:
Contact your insurance company: Inform them that you would like to start a home insurance claim. They’ll ask you for details about what happened and begin the process for you.
Collect evidence: Document the damage with videos and photos. Keep a list of personal belongings that may have been damaged.
Prevent further damage in your home: If it’s safe to do so, take reasonable steps to prevent further damage in your. For example, shutting off the main water line in your home if you’re dealing with a burst pipe.
Submit your documents to the adjuster: Once an adjuster is assigned to your claim, you’ll need to submit your documents to them to review.
Get a quote and an estimate: You adjuster will ask to set up a time with you to come inspect your house. This helps them confirm the damage and determine how much they’ll reimburse you. After their own inspection, they’ll have a contractor come to your home to provide a repair estimate.
Get reimbursed: Once your estimate is approved, you can go ahead and have your home repaired. After repairs are complete your insurance company will reimburse you for costs and your claim will be closed.
Have further questions about the claims process? Contact a Regina broker from BrokerLink today.
Unless the mould damage occurred as a result of a covered claim, such as a sudden burst pipe, then there is a possibility that your insurance company would cover the damage. However, mould that occurs due to a lack of poor maintenance and homeowner neglect will not be covered.
Protect your home and investment from unexpected events with affordable home insurance from BrokerLink. With years of experience and access to some of the top insurance companies in Canada, our brokers can help you shop around, compare quotes, unlock discounts, and find lower premiums without compromising your coverage.
Whether you’re in the market for standard home insurance, tenant insurance, home business insurance, condo insurance, or coverage for your seasonal property, trust that our advisors will have you covered. To work with an insurance broker in Saskatchewan, contact BrokerLink over the phone or by email. You can also get a quick, accurate quote using our online quote tool right now!
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No, standard home insurance does not cover sewer backup automatically. You will need to purchase separate insurance coverage with your provider. Otherwise, any damages will have to be paid for out of pocket.
Yes! Bundling your home insurance and car insurance with the same insurance company can lead to savings of up to 15% each plan! Talk with an insurance broker to learn more about what other policies you may be able to bundle with your home insurance in Regina for even more savings.
Yes, if you rent a portion of your home, you will need to purchase landlord insurance. Standard home insurance will not cover damages to your rental suite that occur as a result of tenant actions or accidents. With landlord insurance in place, any damages or liabilities that occur on your rental property are covered.
On average, homeowners in Regina pay $1,000 a year for home insurance. However, depending on where in Regina you live, your overall risk profile, the type of coverage you choose, and other factors, there’s a possibility your rates will be higher or lower than this average.
No, overland water damage insurance is not included in standard home insurance plans. This policy is considered optional and will need to be added to your plan at the time you purchase coverage from your insurance provider.
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