Owning your first home is as exciting as it is nerve-wracking. One part we can help you with is your insurance. Our friendly and knowledgeable staff are here to help you through this exciting milestone by helping you protect it. We will give you the basics of home insurance and add ons to help you make an informed decision about your insurance needs. 

Home insurance is a necessary step in buying your first home. 

Finding the perfect first home can be both exciting and scary. Luckily there are some straightforward steps to follow and many who can guide you through the process. Step one is securing your dream property, and step two is insurance! Did you know that you must provide proof of home insurance as a condition of the sale? It’s true. After your offer is accepted and before you move in, proof of insurance is necessary to close the sale. 

First time home buyers

Why do you need home insurance? 

Basic home insurance covers more than you might think! Your package will help to protect you from any of the perils you might face as a homeowner. A basic policy will usually cover:

  • Your shed, garage, and other outbuildings on your property

    Home insurance covers external buildings on your property as well as your home. This includes sheds, garages, and storage units. Talk to your broker to assess the level of coverage you may need.
  • Personal liability coverage

    Personal liability insurance can provide financial protection for you and your family from lawsuits arising from someone being injured or belongings sustaining damage on your property. From a postal worker who hurts themselves on your stairs to a windstorm that blows over a tree onto the neighbour’s property, you never know what can happen, and that’s why insurance matters.
  • Possessions from theft and accidental damage

    We don’t like to think about emergencies, but they do happen. Be prepared for fire, theft, and other damage with your insurance. This includes coverage for your vehicle from theft for personal belongings temporarily left in your vehicle, though you shouldn’t leave your cell phone in your car to test it!

Insurance add-ons can be tailored to your needs. 

From flood and sewer add-ons to coverage for your secondary properties, basement renters, and more. We look forward to having a conversation about your insurance needs. Our expert team will match your plan to your lifestyle. Some add-ons to consider are:

  • Water and Sewage Coverage

    Did you know that you’re twice as likely to have water or sewer damage than experiencing a theft? In Saskatchewan, and especially in our heritage towns and neighbourhoods, sewer and water damage is, unfortunately, a common problem. Ageing infrastructure and the unpredictability of our weather both contribute to increased claims. You can protect yourself from finding your items floating in the basement––talk to us today about available add-ons.
  • Home office coverage

    If you’ve been working from home during the coronavirus pandemic or have a home studio or workspace that produces income, there is additional coverage to help cover the cost of accident or damage. Tell us about your unique work-from-home situation, and we will help you build an appropriate package. 

Saskatoon homeowners, we are here for you! 

We work hard to make sure you and your family are protected. Reach out to us today, or pop into our office conveniently located near downtown in the heart of Riversdale and South Caswell neighbourhoods.  We are proud to be a locally-owned insurance brokerage serving Saskatoon and area for 88 years! Let’s start your journey to homeownership on the right foot.