Situated in southern Saskatchewan, Delisle is a small town that still sits close enough to access big-city amenities. Whether you’re dropping off your child at hockey practice or spending a mild summer day at the 9-hole golf course, there’s a lot to love and to do in this community. That may be why the population has grown over the past decade, and new houses keep popping up.
Whether you are a long-time or new resident in Delisle, you deserve the best protection for your house. To do that, you need the right home insurance policy that balances tailored coverage with affordability. Buying home insurance in Delisle shouldn’t be difficult, and HUB International is here to walk you through the process.
What Risks Does Your Home Face in Delisle, SK?
While there are a variety of risks that any home could face, Delisle residents should focus on these five:
- Extreme cold: With average temperatures that regularly plunge below freezing, frozen pipes and damage from falling ice could lead to extensive damage.
- Fires: No residence is safe from fires, whether from an issue inside the house or outside. Beyond the flames’ devastation, smoke and water damage can also be a concern.
- Property theft: A small town isn’t always enough to protect you from theft or vandalism. If your home is especially vulnerable and left unprotected, you may soon be dealing with the results of bad actors.
- Thunderstorms: Thunderstorms bring with them strong winds, lightning, and heavy rain, all of which can result in high levels of damage to any dwelling.
Does Your Current Coverage Protect You?
If you already have home insurance in Delisle, it’s important to double-check what exactly you’re protected against. For example, most policies don’t include coverage against flooding or strong winds, and if your home is especially vulnerable to either, you should make sure your policy protects you.
On the other hand, it’s also essential to make sure you’re not paying for coverage you don’t need. If your house has never experienced a flood, then you might not need to pay for that extra coverage.
What Types of Home Insurance Are Available in Delisle, SK?
When purchasing home insurance in Delisle, you’ll have the choice of one of four policy types:
- No frills coverage offers some protections but probably won’t meet any underwriting standards set forth by your mortgage or lending company.
- Named perils coverage will only protect your residence against specific risks listed in the policy.
- Broad policies offer middle-of-the-road coverage that protects your home against physical damage (except for specific exclusions) and your personal property from named perils.
- Comprehensive insurance policies are the most expensive coverage available as they offer the most protection. While there will be some coverage carve-outs, your house and personal property will be protected against common risks.
How Can You Save Money on Home Insurance in Delisle, SK?
Tailored home insurance in Delisle isn’t just a matter of protecting yourself against potential risks. It’s also a matter of finding affordable coverage. Fortunately, there are a few ways to reduce your monthly premiums:
- Bundling your home policy with your auto or life insurance
- Installing safety devices like smoke detectors, water sensors, and security systems
- Joining an organization, such as an alumni group or professional association, that offers insurance discounts to its members
- Not making a claim for minor issues