Personal

Automobile

An Auto Pak is extra personal insurance for you and your family which protects you from accidental loss. Basis Saskatchewan plate insurance gives you up to $200,000 in liability insurance and basic personal injury coverage with a $700 deductible. An Auto Pak provides lower deductibles, glass repairs, access to rental vehicles, increased liability and replaces your brand new vehicle if it’s totaled depending on the options you choose.

Home

Your home is probably your biggest investment and it only makes sense to protect it. A Home Pak provides protection for your dwelling, outbuildings, belongings and personal liability. There is a wide array of options to tailor your coverage to meet your needs. Some of these options are:

  • Convenient payment plans – Annual, Monthly or Three Pay
  • Homeowner’s Guarantee which guarantees the replacement of your dwelling
  • Increased Limits Coverage
  • Sewer Backup Coverage
  • Voluntary Fire Fighting Coverage
  • Special Belonging Coverage
  • Watercraft Coverage
  • Seasonal Home Coverage
  • Rental Home Coverage

There are also numerous discounts you may qualify for if:

  • You haven’t have a claim within the past 3 years (or more)
  • Your home is equipped with an approved home security system
  • Your home has an electronic water shut-off system
  • Your home was built within the past 15 years
  • You choose a higher deductible
  • Your age and numbers of years continuously insured qualify
  • Your home is mortgage free

Tenant

When renting a house or apartment the landlord may have insurance on the apartment building or dwelling but what about your personal belongings? In order to ensure coverage for your belongings you will need tenant policy to meet your unique insurance needs. There are a variety of options in order to tailor your coverage to your needs as well as numerous beneficial standard features like:

  • Replacement cost of your belongings at today’s prices instead of a depreciated value (limitations may apply).
  • Cheque forgery, counterfeit money and loss of credit or debit card.
  • Associated debris removal costs.
  • Inflation protection
  • Expense of mass evacuation
  • Damage to improvements you’ve made to the premise.
  • Increased living expenses and lost rental income after an insured loss.
  • Damage to shrubs, trees and outdoor plants.
  • Damage to the belongings of household employees or guests.
  • $1 million limit in personal liability coverage which includes court costs, legal fees and certain other expenses associated with your defense in the event of a liability suit as well as voluntary medical payments up to $5, 000 and up to $5,000 in voluntary property damage payments even if you’re not legally liable.

There are also numerous discounts you may qualify for if:

  • You haven’t have a claim within the past 3 years (or more)
  • Your home is equipped with an approved home security system
  • You choose a higher deductible
  • Your age and numbers of years continuously insured qualify
  • You live in a fire resistive building
  • You live above the third floor

Condominium

Condominium ownership comes with special insurance needs as the condominium corporation may have coverage for the building and common areas but what about your belongings, improvements and personal liability coverage needs? To ensure you have coverage for your belongings, improvements and personal liability a condominium unit policy is a wise investment. This type of policy can be tailored to best meet your needs and comes with numerous standard features such as:

  • Personal liability coverage – includes court costs, legal fees and certain expenses associated with your defense in a liability suit. As well as voluntary property damage payments up to $5,000 and medical payments up to $5,000, even if you’re not legally liable.
  • Improvements and betterment coverage – covers improvements and upgrades you make to your unit as these will not be covered by the condominium corporation’s policy for the building.
  • Contingent coverage – provides protection for your unit in the event that the condominium corporation’s insurance in inadequate or they haven’t purchased any insurance.
  • Loss assessment for loss to condominium property coverage
  • Loss assessment for liability coverage

There are also numerous discounts you may qualify for if:

  • You haven’t have a claim within the past 3 years (or more)
  • Your home is equipped with an approved home security system
  • You choose a higher deductible
  • Your age and numbers of years continuously insured qualify
  • You live in a fire resistive building
  • You live above the third floor

Mobile Homes

Mobile homeowners have similar if not the same coverage needs as homeowners. A mobile home policy gives you protection for your home, outbuildings, belongings and personal liability. There are a variety of options in order to customize your coverage to your needs. Some of these options are:

  • Cheque forgery, counterfeit money and credit or debit card loss
  • Homeowner’s Guarantee which guarantees the replacement of your mobile home (if it was built in 1980 or after)
  • Expenses associated with debris removal following an insured loss
  • Damage to your property due to emergency entry by firefighters, paramedics or police officers
  • Emergency mobile home removal
  • Lost rental income or increased living expenses following an insured loss
  • Inflation protection
  • Mass evacuation expense
  • Lock replacement following an insured loss
  • Damage to trees, shrubs and outdoor plants
  • Damage to belongings of household employees or guests

There are also numerous discounts you may qualify for if:

  • You haven’t have a claim within the past 3 years (or more)
  • Your home is equipped with an approved home security system
  • You choose a higher deductible
  • Your age and numbers of years continuously insured qualify

Seasonal Dwelling

Protection for your seasonal dwelling and belongings can be added to a tenant, home, condominium, mobile home and agro policy. Guarantee replacement cost is available at no additional charge (subject to some restrictions).

Watercraft

Boats, motors, personal watercraft and their equipment are considered optional coverage on a tenant,  home, condominium, mobile home and agro policy.  Please refer to one of the aforementioned policies.

ATVs

ATVs are considered optional coverage on a tenant, home, condominium, mobile home and agro policy.  In Saskatchewan it is mandatory to have coverage on all ATVs that are operated on public property.

Personal Liability

Liability is about taking responsibility for your actions. Insurance ensures that you can pay others for their pain, suffering and financial loss with as little impact to your life as possible. In addition to providing extra coverage when your home or auto insurance is depleted a liability umbrella gives you worldwide coverage for items you wouldn’t usually get with your existing policy such as:

  • False arrest
  • Libel
  • Slander
  • Additional legal defense