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    Saskatchewan's best tenant insurance, from Canada's leading provider

    Smart insurance for smarter tenants. Get no-nonsense coverage that's 25% cheaper than other providers, on average. Get a quote in less than a minute and save when you buy online.

    What address would you like to insure?

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    Saskatchewan's breathtaking view of the Canadian Rockies, featuring majestic mountains and a serene river, embodying the tranquility and beauty safeguarded by tenant insurance

    What's covered by Tenant Insurance?

    Contents Coverage Icon

    Contents

    Simply put, Contents Insurance covers your personal belongings - the contents of your home. This helps pay for any loss or damage to your personal property, including if anything is stolen or damaged.

    Additional Living Expenses Icon

    Additional Living Expenses

    Have you ever wondered what you would do if you couldn't live in your apartment due to an emergency? This coverage can help you pay for hotels and food if you are forced out of your home after a covered event.

    Personal Liability Icon

    Personal Liability

    Accidents happen. And they can be costly. Personal Liability coverage protects you if you are held responsible for property damage or personal injury to others, at home or anywhere else.

    Are you a full time student? We have a product specially designed for you! Check out our Student Tenant coverage.

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    Getting insured is as easy as 1 - 2 - 3

    Tell us (very little) about yourself
    1

    Tell us (very little) about yourself

    Just tell us your address, your name, email and phone number. And that's it. We'll give you a price in less than a minute.

    Pay online easily and securely
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    Pay online easily and securely

    You can choose to pay monthly or save money by paying for the entire year in one easy payment.

    Get your documents in your inbox - instantly
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    Get your documents in your inbox - instantly

    As soon as you complete your purchase, you'll find your proof of insurance and policy documents waiting for you in your inbox.

    How much is tenant insurance in Saskatchewan?

    SAVE25%ON AVERAGE

    Our tenant insurance costs 25% less than leading competitors, on average. You can customize your policy just how you like it so you're only paying for the coverage you need.

    The cost of the policy depends on a few things, such as the address to be insured, the coverage limits and options you select. We offer the following coverage options:

    • Contents coverage options ranging from $10,000 to $150,000

    • Additional living expenses coverage options ranging from $5,000 to $30,000

    • Personal liability coverage of up to $2 million

    • Deductible options ranging from $500 to $2,500

    • Water damage and full replacement value extensions

    Get a quote in less than a minute.

    What address would you like to insure?

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    What makes APOLLO the best choice for renters in Saskatchewan?

    The simplest way to buy insurance

    The simplest way to buy insurance

    Our platform is designed to be the fastest and simplest way to buy tenant insurance. We make it easier than anyone else to get covered.

    The best value for money

    The best value for money

    We provide the best value for your money, with more standard coverages built into one low price. Pay less for more coverage.

     Easy online tools

    Easy online tools

    Our Customer Portal makes it easy to manage your policy online, any time. You don't even need to register! Customer Portal Sign In

    Great insurance advisors

    Great insurance advisors

    If you need to speak to a person, you can contact one of our insurance advisors easily by phone, email or chat. We're here to help!

    Fair, independent claims management

    Fair, independent claims management

    We work closely with independent, third party adjusters to ensure claims are handled fairly, ethically and transparently.

    Top financial ratings

    Top financial ratings

    Our financial ratings really are top notch. We were rated A by AM BEST, A+ by Standard & Poor's, and AA- by Fitch.

    What our customers say about us

    Customer service is a huge part of the APOLLO story. Insurance is a relationship based on trust and we earn our clients' trust by providing the best products backed by world class service and support.

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    Reviews

    4.7 rating

    2,829 reviews

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    What if I need to make a claim?

    If something happens and you need to use your tenant insurance, APOLLO makes it easy with a simple claims process that can be done online. Just let us know the details of the incident and we'll get started on doing our part to set things right — keeping you informed at every step of the way.

    Our simple online claims process

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    Frequently Asked Questions

    Most people are familiar with home insurance. Less familiar is Tenant Insurance (also known as renters insurance), which protects you if you're renting a residence. Renters Insurance is a requirement for many landlord-tenant lease agreements, but even if it's not, it's a good idea to have. It can end up saving you from covering the cost of replacing your valuable items in the event of a fire, theft, or flood.

    Tenant Insurance can also help pay for the extra costs of having to live somewhere else if your residence becomes uninhabitable due to an insured loss. This can include the cost of lodging, such as temporary rent at a separate location, hotels, or Airbnbs, and can also help with other costs like restaurant meals and storage fees.

    Although landlords likely have insurance of their own, your landlord's insurance typically only covers the building. This leaves your contents of your unit unprotected. Further, if you were found liable for damages to the building, your landlord's insurance company may come after you for the costs. Renters Insurance can aid you in both of these situations. Further, it can cover certain expenses that arise from an emergency. Read more about the benefits of Renters Insurance here.

    The cost of tenant insurance in Saskatchewan varies based on several factors, including location, coverage amount, and deductible. On average, you can expect to pay between $15 to $30 per month. APOLLO Insurance offers tenant insurance policies that are, on average, 25% cheaper than those of our competitors. We also offer a user-friendly online platform to help you find the perfect coverage at the right price. Get an instant quote today and see how affordable comprehensive protection can be.

    Tenant insurance offers comprehensive protection for renters, covering three main areas:

    • Personal Property: Safeguards your belongings against theft, fire, vandalism, and other covered perils.

    • Liability Protection: Covers legal costs and damages if someone is injured in your home or if you accidentally damage someone else's property.

    • Additional Living Expenses: Provides financial assistance for temporary housing if your rental home becomes uninhabitable due to a covered event.

    APOLLO offers tailored coverage that fits your unique needs, ensuring peace of mind and financial security.

    While tenant insurance isn’t legally required in Saskatchewan, many landlords do require it as part of the lease agreement. Even if it’s not mandatory, having tenant insurance is a smart decision. It protects your personal belongings and provides crucial liability coverage, helping you avoid significant out-of-pocket expenses in the event of an unforeseen incident.

    Without tenant insurance, you’re at risk of significant financial loss. If your personal belongings are damaged or stolen, you’ll have to cover the replacement costs out of pocket. Additionally, if you're held liable for someone getting injured in your home or you accidentally damage someone else's property, you could face significant out-of-pocket costs. Protect yourself from these risks with APOLLO Insurance, providing you with peace of mind and financial security.

    For more information, read our article Can You Be Evicted for Not Having Renters Insurance in Ontario?

    Yes, renter’s insurance covers fire. This is the case regardless of how the blaze was started, unless the fire was intentionally set by you.

    Fire is one of the most common covered perils included in renter’s insurance. Also referred to as named perils, other examples are windstorms and hail, theft, and vandalism.

    Find out more instances by reading out article Does Renters Insurance Cover Fire?

    A COI is a statement of coverage that we provide to you. It’s a summary that verifies that your business is, in fact, insured. You may receive a request from a potential client for a COI as a condition of doing business with you. It’s simply proof that your business can cover the cost of a liability claim.

    For more information, read our article Insurance 101: What Is a Certificate of Insurance?

    Liability insurance protects you if you are held responsible for causing property damage or bodily injuries to others while at home or away anywhere in the world. For example: If you hit a baseball out of a park onto the street, and it hits a child, or breaks a window. Or one of your guests slips and falls and has to take time off work due to injuries. Or, while on vacation, a bonfire gets out of control and damages someone’s property. Personal Liability would cover you in all these and similar events. To learn more, read our article The Importance of Personal Liability Insurance.

    Also called contents Insurance, this protects the property you own that you could pack in a bag or put in a moving truck. Things like your clothing, electronics, furniture, etc. are covered while they’re on your property or in transit during a move. APOLLO offers personal property limits from $25,000 to $250,000. You should choose an amount that will be sufficient to replace all of your belongings with the new items. If your residence is ever burglarized or there is a fire, this policy will help replace the lost or damaged items with the new ones. Over the years we tend to accumulate a lot of little and big things. Majority of our clients in a two-bedroom condo choose the $50,000 coverage limit.

    To learn more about this coverage, read our article What Kind of Insurance Protects the Things You Own?

    This coverage protects against increased living expenses you may incur because your rented unit can’t be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden, accidental event. For example, it can help cover expenses like a hotel room, storage costs, meals, laundry, transportation, and more if you can’t live in your condo while repairs are being made after an insured loss.

    To learn more, read our article Why Additional Living Expenses Coverage is Essential.

    Knowing Your Tenant Rights in Saskatchewan

    Tenant Insurance Laws & Lease Requirements in Saskatchewan

    If you're renting in Saskatchewan, you might be wondering whether tenant insurance is required by law. The quick answer is no, but in today’s market, most landlords expect it before move-in.


    Across the province, tenant insurance is often a condition of the lease. Whether you're renting a high-rise apartment downtown or a basement suite in a single-family home, it’s common to be asked for proof of coverage before you get your keys.

    What Landlords in Saskatchewan Typically Require

    While it’s not required by law, many Saskatchewan landlords include tenant insurance as part of their standard lease agreement. It gives everyone peace of mind and helps avoid confusion when something goes wrong.

    You may be asked to provide:

    • Personal liability coverage in case someone gets hurt or their property is damaged while visiting your unit

    • A certificate of insurance to confirm your policy is active and meets the landlord’s lease requirements

    • Coverage for your contents and temporary housing, since your landlord’s insurance doesn’t cover your belongings or your stay if the place is damaged

    Why Tenant Insurance Matters

    Tenant insurance protects more than just your stuff. It protects your finances, your legal liability, and your ability to land a new lease.

    • It helps replace items damaged by fire, theft, or water

    • It covers hotel or rental costs if you need to move out during repairs

    • It offers legal protection if you’re found responsible for damage or injury

    With Saskatchewan’s harsh winters and aging rental stock, insurance isn’t just for peace of mind. It’s for real-life events that can disrupt your home and your wallet.

    Extreme Weather Risks for Saskatchewan Renters

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    Deep Freezes and Winter Storms

    Saskatchewan winters are no joke. Blizzards can trap you indoors, and temperatures regularly dipping below –40°C can freeze pipes solid. One cracked pipe could leave your home soaked and unliveable overnight.

    Tenant insurance can help cover:

    • Water damage to your belongings from burst pipes

    • Hotel stays if your unit becomes too cold or unsafe

    • The cost of replacing furniture, clothing, or electronics

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    Spring Thaw and Flooding Along the South Saskatchewan River

    When snow melts fast and spring rains hit, rivers swell and sewers back up. Areas in Saskatoon and Prince Albert have seen water levels rise quickly, especially in older neighbourhoods or homes near creeks and floodplains.

    With tenant insurance and optional water protection, you’re covered for:

    • Replacement of water-damaged property

    • Alternate accommodations while your place is cleaned or repaired

    • Sewer backup and overland water damage if added to your policy

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    Prairie Windstorms and Summer Hail

    Saskatchewan’s open landscape makes it a magnet for wind. From powerful gusts in Moose Jaw to hailstorms in Regina, windows break, roofs lift, and outdoor debris flies fast. For renters, that can mean shattered glass, damaged interiors, or extended power outages.

    Tenant insurance helps by covering:

    • Repairs to your damaged personal property

    • Spoiled food and electronics from prolonged outages

    • Emergency living expenses if your home isn’t safe to stay in

    Tenant Insurance in Action

    Fire 1

    Saskatoon Apartment Fire (2023)

    A kitchen fire in a mid-rise building near the University of Saskatchewan forced over 60 tenants to evacuate. While the flames were contained, smoke and water damage made many units unlivable for weeks.

    If you had tenant insurance:

    • Hotel or short-term rental while your unit was being restored

    • Reimbursement for damaged belongings like furniture, clothing, and electronics

    • Help with relocation costs if you had to move out permanently

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    Regina Flooding (2022)

    A combination of spring thaw and heavy rain backed up storm drains in older parts of Regina, flooding several basement suites and main-floor units. Many renters lost furniture, tech, and essentials in minutes.

    If you had tenant insurance:

    • Coverage to replace water-damaged items

    • Additional Living Expenses (ALE) to cover hotel or rental costs

    • Optional sewer backup and flood protection for full coverage

    Tornado 1

    Swift Current Windstorm (2021)

    A powerful windstorm swept across southern Saskatchewan, blowing shingles off roofs and shattering windows in older apartment buildings. Tenants were left with damaged belongings and no power for days.

    If you had tenant insurance:

    • Reimbursement for items damaged by wind or broken glass

    • Emergency accommodations if your unit became unsafe

    • Coverage for spoiled food, cleanup, and unexpected repairs

    Spotlight on Saskatchewan's Most Popular Neighbourhoods

    Nutana, Saskatoon

    Who lives here: Students, professionals, long-time locals Rental types: Character homes, walk-up apartments, basement suites \isks: Plumbing issues, theft, older wiring

    Nutana’s tree-lined streets and historic homes offer charm, but also some challenges. Many buildings have aging pipes and older heating systems. Tenant insurance helps cover water damage, theft, and hotel stays if your unit needs repairs.

    Cathedral Area, Regina

    Who lives here: Artists, civil servants, young families Rental types: Heritage houses, rental units in older homes, low-rise apartments Risks: Chimney fires, burst pipes, outdated infrastructure

    This artsy, eclectic neighbourhood is full of character, and character homes that can come with some challenges. When freezing temperatures hit, older plumbing and heating systems are often the first to go. Tenant insurance gives you peace of mind when winter gets rough.

    Lakeview, Regina

    Who lives here: Families, professionals, retirees Rental types: Townhomes, upper-floor suites, basement apartments Risks: Flooding, foundation shifts, appliance failures

    Set near Wascana Lake, this neighbourhood combines nature with suburban convenience. But spring melt and rainstorms can lead to basement flooding and shifting foundations. Insurance helps protect your belongings and pays for a temporary stay if needed.

    Varsity View, Saskatoon

    Who lives here: University students, healthcare staff, newcomers Rental types: Multi-unit homes, basement suites, heritage rentals Risks: High turnover, shared utilities, accidental damage

    Close to campus and downtown, Varsity View has a high mix of renters. That means shared walls, shared risks, and more opportunities for something to go wrong. Tenant insurance steps in if a guest causes damage or if you're on the hook for a shared mishap.

    Moose Jaw North

    Who lives here: Military families, young couples, essential workers Rental types: Duplexes, rental homes, apartment buildings Risks: Wind damage, hail, power outages

    With Saskatchewan’s wide-open skies come wide-open risks. Summer storms can rip shingles off roofs or knock out power. Tenant insurance can help replace damaged property and cover your stay if your rental is temporarily unsafe.

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    © 2025 APOLLO Insurance Solutions Ltd.

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    APOLLO Insurance Agency Ltd. (o/a APOLLO Brokerage in the province of Ontario only) is a licensed retail brokerage, offering our clients with a comprehensive set of insurance solutions to meet their individual needs. APOLLO Insurance Agency Ltd. maintains necessary corporate licensing in provinces across Canada. Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company's discretion and product availability.

    Transparency and Disclosure: APOLLO Insurance Agency's role is to provide you with exceptional service and the best insurance products that suit your needs. As a licensed retail brokerage, our compensation is based on a commission basis already built into your insurance premium and varies based on the product purchased through our platform. For a description of how APOLLO Insurance Agency is compensated and how this is calculated, please refer to our Compensation Disclosure document. For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document.