Do I need separate coverage for sewer backup and overland water?

In Saskatchewan these are usually optional add-ons rather than part of a standard policy. Given Regina's infrastructure and heavy summer rains, we strongly recommend adding both — talk to us about the right limits for your home.

How much coverage do I need on my home?

Your policy should be based on the cost to rebuild your home (replacement cost), not its market or resale value. We help you calculate an accurate rebuild figure so you're never underinsured.

Is hail damage to my roof covered?

Yes — comprehensive ('all-risk') home policies cover hail damage, which is essential protection during Saskatchewan summer storms. Keep photos and records to make any claim easier.

Should I file a claim for minor damage?

Not always. For small damage close to your deductible, a claim can cost more in future premiums than it returns. Call us first at 306-757-0621 and we'll help you weigh it before you file.

Home Insurance

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What does home insurance cover?

The Building

Covers the physical structure of your home and attached structures (like a garage) against perils like fire, wind, hail, and vandalism. We typically recommend comprehensive "all-risk" coverage.

Belongings

Covers your furniture, electronics, clothing, and other personal items. If your home was turned upside down and shaken, everything that falls out is considered belongings.

Liability

Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else's property.

Saskatchewan Specifics

In Regina and Saskatchewan, certain coverages are especially important:

Sewer Backup: Crucial coverage given our local infrastructure and heavy summer rains.
Overland Water: Protection against water entering your home from heavy rainfall or spring thaw.
Hail Damage: Essential protection for your roof and siding during summer storms.

Frequently Asked Questions

Learn More

A growing library of guides, downloads, and audio to help you understand home insurance.

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Insuring Where You Live — Spring 2026 Home & Condo Guide

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Home, Condo & Tenant Insurance — Part 1

A plain-language walkthrough of how home, condo, and tenant coverage works in Saskatchewan.

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Home, Condo & Tenant Insurance — Part 2

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Winter Home Insurance Tips

Winter in Saskatchewan can be harsh, with heavy snow, freezing temperatures, and icy conditions that increase the risk of home damage. Our winter home insurance tips can help you protect your property, reduce claims, and ensure your insurance coverage works when you need it most. Campbell & Haliburton Insurance offers guidance on how to prepare

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Home Damage Prevention

As temperatures have been warming up, it is a good idea to take stock of your home and determine if there are any issues which have arisen over the winter and spring melt. Look over your basement, exterior of your home, and check for cracks on interior walls from settling or ground movement. Were those

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Summer Storm Safety Tips

In this blog, Regina's Campbell & Haliburton Insurance own, Dave Arnold explores the topic of summer storms. He explains some of the most necessary summer storm safety tips. Summer Storm Safety Tips Weather forecasts aside – I smell storms coming before I see them. There’s a tang in the air and a heaviness

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In this article, Campbell & Haliburton Insurance's own, Blaine Petrie, explores wild fires and your coverage. Blaine first explains some necessary safety tips when it comes to wild fires, as well as what you should do for insurance purposes. Most importantly, make sure to have insurance! Wild Fires and Your Coverage Every year

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