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Meet SGI Canada home insurance.

SGI Canada was founded more than 70 years ago when the province of Saskatchewan passed The Saskatchewan Government Insurance Act, creating its own Crown corporation: Saskatchewan Government Insurance.

Today, the property and casualty insurer is headquartered in Regina. While its presence is still strongest in Saskatchewan, SGI has since rebranded to SGI Canada, offering products to four other provinces: British Columbia, Alberta, Manitoba and Ontario. SGI offers home insurance coverage across Canada. 

In Canada, SGI Home Insurance continues to grow while competing in domestic and international markets. In the 2018-19 year, 40% of its premiums were sold outside Saskatchewan.

The company works with more than 500 independent insurance brokers and aims to offer employees a philosophy of offering comprehensive, affordable insurance protection throughout the country.

One of the company’s latest achievements is being awarded a five-star carrier status in 2019 by Insurance Business Canada Magazine based on a survey of hundreds of insurance brokers.

SGI earned five-star status in six categories: underwriting experience, range of products, the competitiveness of its rates, product training and marketing support, tech and automation, and commitment to the broker distribution channel.

This page will cover why SGI might be a good choice for your home insurance policy, how to make a home insurance claim with SGI and how to contact SGI home insurance agents if you have questions. 

How consumers review SGI Canada home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario
Quebec region
Western region

 

 

 

 

 

 

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The SGI Canada home insurance advantage.

Discounts

  • Insurance score: Having a strong insurance score (the calculation includes your credit score) qualifies you for a discount with SGI.
  • Company loyalty: If you already have a home or auto policy with SGI, you qualify for a bundling discount.
  • Personal history: Once you’re a customer, SGI will give you a discount if you make it to the three-year mark without filing a claim. 
  • Security: If you have installed an adequate home security system on your property, SGI will take that into account.

Special programs

For people looking for house insurance, SGI also offers several optional coverages. For an extra fee, the following endorsements can be added to your base policy:

Additional personal liability - Geared towards Canadians who lead active lives, SGI’s additional personal liability package is designed to protect homeowners who may have accidents related to their pools, boats, trampolines, or cottages, either at home or outside of Canada. To qualify, a homeowner must already have home and auto policies with SGI. Careful, though. Some professionals — like entertainers, politicians, writers, journalists or professional athletes — are disqualified from receiving this discount.

Home Systems Protection - In the event that any of the appliances in your home are damaged and need repairs, SGI’s Home Systems Protection covers kitchen and laundry appliances, home entertainment, accessibility machinery, power tools, generators, and more.

Water damage coverage  - SGI home insurance offers this as an optional add-on to your home insurance coverage. This is the extra coverage that covers events like flooding caused by severe rainstorms, lake and river overflow flooding, and septic or sewer overflows

Landscaping and damaged lines - SGI’s Service Line Coverage has your back if any of your utility lines break down. This includes Internet, phone, water and power. You’re covered for other out-of-pocket expenses, including yard repair after the fact.

SGI  provides optional coverages for condo owners, too. To learn more about SGI condo insurance offerings, speak with an insurance agent. 

Lastly, you can also purchase tenant insurance through SGI. If you’re renting out a property and are considering landlord insurance, a SGI representative can give you more insight into whether you require it.

You can apply for a home insurance quote with SGI through LowestRates.ca. Just fill out the form above and click the “Get Started” button. 

Is there an app?

No, SGI Canada doesn’t offer an app for consumers to manage their insurance policies.

That doesn’t mean you can’t complete a home insurance quote for SGI online. All you have to do is fill out the form above to get started. 

licies.

How to make a claim with SGI home insurance:

To make a homeowners insurance claim with SGI, contact your broker first. If it’s after-hours, call the number below. From there, document all damage by taking photographs and don’t throw out any damaged property without adjuster approval. Keep track of the time it took you to clean up the area to ensure you’re to be compensated accordingly. The next thing to expect is for the repair costs to be calculated. When that happens, SGI will pay you or your contractor (you can choose your contractor yourself) directly. Assessment specialists are responsible for calculating the replacement costs of all items.

You can learn more about customers’ experiences with SGI home insurance from reviews posted to the company’s Google Business page. 

You can also use the following SGI phone number to make a home insurance claim. 

By phone:

  • 1-800-647-6448: This phone number will put you in touch with a customer service rep for SGI home insurance. 

In the event of an emergency, a SGI home insurance agent will work with you to resolve your claim. 

What else does SGI do?

Here are the other types of insurance you can purchase from SGI besides property insurance:

    • Auto insurance
    • Home insurance
    • Farm insurance
    • Business insurance
    • Cargo insurance
    • Oil and gas industry insurance
    • Surety bonds
    Jessica Vomiero

    Jessica Vomiero

    About the Author

    Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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