Saskatchewan

Last updated: January 2026

Insurance in Saskatchewan (SK) helps protect drivers, homeowners, renters, families,
and businesses from financial loss related to accidents, property damage, liability, illness,
and unexpected events.

Saskatchewan is one of the few provinces in Canada with a public auto insurance system.
Auto insurance is administered through Saskatchewan Government Insurance (SGI),
while other types of insurance—such as home, tenant, life, and business—are provided by private insurers.

Disclaimer: This page is for general informational purposes only and does not replace advice
from a licensed insurance broker or insurer. Coverage, pricing, and eligibility vary by insurer and individual circumstances.

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Auto Insurance in Saskatchewan (SGI Auto Fund)

Auto insurance is mandatory in Saskatchewan. All registered vehicles must carry insurance
through SGI Auto Fund, the province’s public auto insurance program.

SGI Auto Fund provides standardized basic auto insurance coverage to Saskatchewan drivers,
with optional coverages available for additional protection.

Basic auto insurance coverage in Saskatchewan

SGI Auto Fund basic coverage typically includes:

  • Third-party liability
  • Personal Injury Protection (no-fault injury benefits)
  • Collision coverage (subject to deductible)
  • Comprehensive coverage (fire, theft, vandalism, weather)
  • Uninsured motorist coverage

Because collision and comprehensive coverage are included in basic insurance,
Saskatchewan’s auto insurance model differs from most private insurance provinces.

Official SGI overview:

SGI – Auto insurance

Personal Injury Protection Plan

Saskatchewan operates under a no-fault injury benefits system.
If you are injured in a motor vehicle accident, SGI provides benefits
regardless of who caused the collision.

Benefits may include:

  • Medical and rehabilitation expenses
  • Income replacement benefits
  • Permanent impairment compensation
  • Death benefits

Optional auto insurance coverage

Drivers can purchase optional coverage through SGI and its licensed issuers to increase protection.
Common optional coverages include:

  • Lower collision and comprehensive deductibles
  • Increased liability limits
  • Loss of use / rental vehicle coverage
  • Package policies for multiple vehicles
  • Collector or specialty vehicle coverage

Vehicle registration and proof of insurance

Vehicle registration and auto insurance are combined in Saskatchewan.
When you register a vehicle with SGI, insurance coverage is automatically included.

Registration details:

SGI – Vehicle registration

Home, Tenant (Renter), and Condo Insurance

Home insurance

Home insurance in Saskatchewan is provided by private insurers and typically includes
coverage for the dwelling, personal belongings, liability, and additional living expenses.

  • Dwelling coverage (repair or rebuild after insured damage)
  • Contents coverage (furniture, electronics, tools, clothing)
  • Personal liability
  • Additional living expenses
  • Optional endorsements (water damage, sewer backup, jewelry, home-based business)

Saskatchewan homeowners should review coverage related to
weather damage, hail, wind, and sewer backup.

Tenant (renter) insurance

Tenant insurance is strongly recommended for renters in Saskatchewan.
A landlord’s insurance covers the building, not tenant belongings or liability.

  • Personal belongings coverage
  • Personal liability protection
  • Additional living expenses

Many landlords require tenant insurance as part of a lease agreement.

Condo insurance

Condo owners require personal insurance in addition to the condominium corporation’s master policy.
Unit owner insurance typically covers improvements, contents, liability, and loss assessment coverage.

Life & Disability Insurance

Life insurance provides financial protection for beneficiaries if you pass away.
Disability insurance can help replace income if illness or injury prevents you from working.

  • Term life insurance (10, 20, or 30 years)
  • Permanent life insurance
  • Short-term and long-term disability insurance
  • Critical illness insurance

Travel Insurance

Travel insurance helps protect Saskatchewan residents travelling outside the province or country.
Provincial health coverage may not fully cover emergency medical expenses incurred elsewhere.

  • Emergency medical coverage
  • Trip cancellation and interruption
  • Baggage loss or delay
  • Emergency evacuation

Business Insurance in Saskatchewan

Business insurance helps protect Saskatchewan businesses from financial loss related to
property damage, lawsuits, and operational interruptions.

  • Commercial General Liability (CGL)
  • Commercial property insurance
  • Business interruption coverage
  • Professional liability (E&O)
  • Cyber insurance
  • Commercial auto insurance (via SGI)

Agriculture, trucking, construction, retail, and professional services
businesses often have specialized insurance needs in Saskatchewan.

How to Compare Insurance Policies

  1. Match coverage limits and deductibles
  2. Compare exclusions carefully
  3. Confirm replacement cost vs actual cash value
  4. Review claims handling and service quality
  5. Ask about multi-policy and loyalty discounts

Claims Tips

  • Ensure safety and contact emergency services if required
  • Document damage with photos and notes
  • Prevent further damage if safe to do so
  • Report claims promptly
  • Keep all receipts and correspondence

Official Saskatchewan Insurance Resources

Insurance Companies & Providers in Saskatchewan

Auto insurance in Saskatchewan is provided through SGI Auto Fund.
Other types of insurance are offered by private insurers and sold through brokers.

Public auto insurer

  • Saskatchewan Government Insurance (SGI) – sgi.sk.ca

Major private insurers (home, tenant, life, business)

Saskatchewan residents often purchase home, tenant, and business insurance
through licensed brokers who work with multiple insurers.

FAQ: Insurance in Saskatchewan

Is auto insurance mandatory in Saskatchewan?

Yes. All registered vehicles in Saskatchewan must be insured through SGI Auto Fund.

Does basic SGI insurance include collision and comprehensive?

Yes. Unlike many provinces, Saskatchewan’s basic auto insurance includes collision
and comprehensive coverage, subject to deductibles.

Is tenant insurance required by law?

Tenant insurance is not legally required, but many landlords require it as part of a lease agreement.

How do I verify insurance information in Saskatchewan?

Use official Saskatchewan Government Insurance (SGI) resources or work with licensed brokers.

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