Meet SGI, one of Canada’s top home insurance providers.

Get 15+ quotes in just 3 minutes.

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 remains 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 Canada says it continues to grow while competing in domestic and international markets. In the 2018-19 year, its profits totalled more than $48-million, with 40% of its premiums sold outside Saskatchewan.

The company works with more than 500 independent insurance brokers and aims to offer employs 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.

How consumers review SGI Canada home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario
Quebec region
Western region

 

 

 

 

 

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

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 Protection - 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.

Is there an app?

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

How to make a claim with SGI home insurance:

To make a claim about home damage to SGI, contact your broker first. If it’s after-hours, call 1-800-647-6448. 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.

What else does SGI do?

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

Home insurance news

Read More Like This