Home Insurance.

Protect your home with Home Insurance
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Home Insurance.

Home is not only just the place that you live. It is also the place that you raise your family and put down roots. Whether your home is an apartment, a condo, a mobile home, a custom home or even a lakeside cabin, your home and its contents are both important investments to you. Protect those investments with condo, tenant or home insurance.

Let Trustmark be your home insurance providers of choice. We provide an online quoting tool that you can use to get a quote for your home insurance (or tenant/condo) within a matter of just five minutes. Get started with us today.


Home insurance is not one-size-fits-all. It’s based on the size, age and location of your home, as well as its unique features (additions, outbuildings, deck etc.) and materials (quartz countertops, tile floors, etc.).

​​Home insurance can protect you against financial loss if your home or belongings are damaged or destroyed. Without it, you may be left having to cover the costs of a loss on your own.

Home insurance can protect you against financial loss if your home or belongings are damaged or destroyed. Without it, you may be left having to cover the costs of a loss on your own.

Home insurance also provides liability coverage in case someone is injured on your property. And did you know that liability insurance extends beyond your home, covering you and your family in the community? It provides liability in case you accidentally injure someone walking, cycling, playing sports or just mowing the lawn. It will also cover you in case you accidentally cause damage to a motel or other property. It is highly recommended by many home insurance companies that you acquire a base amount of coverage in order to ensure that you have sufficient protection against all possibilities. As always, it is better to be safe than to be sorry and if home insurance cost is an issue then do not worry! Trustmark will make sure to find a coverage plan within your personal budget.

Home Insurance Cost: How much is it?

No one home insurance policy will cost the same as another. Inevitably, you might wonder what the cost of your home insurance is and what steps you can take to mitigate that expense. It is difficult to ask what the average home insurance cost is because there are so many personal factors which affect the price and there is much more to home insurance than its price tag. A Trustmark Insurance broker will work with you personally and discuss with you what contributes to the overall price. Here are a few of the contributing factors which your home insurance providers may use to determine your premiums:

  • Replacement Cost: Arguably one of the most important factors in determining home insurance cost, a home’s replacement price is something that will be taken into consideration when premiums are being calculated. Keep in mind that replacement cost is not the same as market value. Broken down, replacement cost is the amount of money it would take to replace your home entirely if it was destroyed as it stands today. How big is your home? What materials is it made from? What kind of renovations has it undergone?
  • Location: Is your home located near a coastline or even a large body of water? If so, your home insurance cost may be higher than if were further inland. This is because bodies of water surrounding your home put you at risk of flooding or even hurricanes and might be required to carry a windstorm insurance endorsement to sufficiently safeguard their home. Also, homes nearer to the closest fire department may be required to pay less than if they were further away. This goes the same for homes placed near fire hydrants. The closer that you are to the nearest safety features the more chance there is that your home will receive help quicker in the event of an emergency.
  • Deductibles: Your home insurance cost is directly correlated with the amount of deductible you choose. Like with any insurance policy, the higher the deductible the less you will need to pay out when renewal time comes around. However, if something were to happen, you would be required to pay more and your insurance company less. Make sure that the deductible you choose is a reasonable amount and reflects your financial situation. Also, some disasters may be subject to a separate deductible, depending on where you live.
  • Additional features: Does your home have a wood burning stove? Do you have a pool, a private shed, or any additional features added to your home which could possibly result in injury to third-party? If so, you may be looking at an increased home insurance cost, just to ensure you have enough liability coverage in the event that someone is injured. Luxury additions to your home such as swimming pools, hot tubs and spas may need a separate umbrella policy in order to provide additional protection.
  • Claims history: Even if you have moved to a new home, any claims you might have filed from your previous place of residence will still play a part in how much you must pay for your home insurance premiums. Most home insurance providers will waive the first claim that you make but may raise your home insurance cost per claim afterwards. Also, it matters what type of claim you might be submitting, whether that is from water damage, theft, liability, etc. If there is only small damage done to your home that is relatively manageable, attempt to fix it yourself rather than making a claim and risking upping your home insurance cost.

Your individual circumstances all play a role into how much your home insurance will cost you, but it does not have to break the bank. By working with Trustmark, you can get an in on all the ways you can save money on your home insurance and mitigate your expenses so that you never have to sacrifice any coverage that you or your family may need just to meet your budget requirements.

Seasonal Properties

For many Saskatchewan families, “going to the lake” is a tradition that goes back 2 or 3 generations. Whether it’s brand new or been around for years, the family cabin is a valuable asset. You will want to ensure that it is protected so that it can be used for many years to come, whenever you need a proper vacation without worry. Talk to the experts here at Trustmark Insurance about protecting your family get-away, by adding coverage to your home insurance policy or through a separate, stand-alone policy. Homeowners choose Trustmark as their home insurance providers for good reason.

Did you know?

Rural Residents: If you live in a rural area and a fire department responds to a fire at your home, you could be charged $10,000 or more. You need specific Fire Fighting Coverage on your home insurance to protect you for these charges.

Water Damage: Water damage is a major cause of loss. Most home insurance companies offer limited coverage for damage caused by surface water, flood, ground water seepage due to surface water/flood and sewer backup. These coverage limits are noted on the cover page of your home insurance policy—talk to us for information on increasing your coverage. Did you know? Water damage coverage limits are different for seasonal properties.

Special Situations: Certain features or situations can invalidate or void your home insurance if they’re not specifically addressed in your policy. Call us to review your policy and make sure you’re not caught out because of a recent addition, or change. For example:

  • Have you added a wood stove or fireplace insert?
  • Have you recently started taking longer vacations that leave your home unoccupied for more than 4 days during the “heating season” (that’s winter to you and I).
  • Have you decided to rent rooms (e.g. Airnb) or take in boarders?
  • Do you have an in-home daycare?
  • Is the home no longer your primary residence?
  • Have you inherited any antiques or heirlooms that require additional coverage?
  • Have you added new outdoor features – a new garage, shed, outdoor studio, pizza oven, pool, hot tub?

It is always important to discuss with your broker what situations or special circumstances might apply to you. By working through your policy with an expert you can determine what coverage might be necessary and what might not be needed so that you can settle with a coverage plan that works for your individual circumstances and not waste any money along the way. Your protection matters to us here at Trustmark, so we always get you the best home insurance.

Special Coverage

All home insurance policies contain restrictions or exclusions that require special coverage for more expensive belongings, such as jewellery, fine art, furs, boats, bikes, tools and so on. Make sure you know what your policy covers—and talk to us about adding special coverage for prized possessions.

Coverage for Your Prized Possessions

Contents insurance helps to protect anything your home holds in case something happens which requires you to make repairs or replace your possessions. The following may be covered under your home insurance. Always be sure to discuss with your home insurance providers to see what exactly your policy entails.

  • Antiques & heirlooms
  • Bikes
  • Birds, fish & animals
  • Boats
  • Collections (coins, stamps, comics, trading cards, etc.)
  • Fine art
  • Furs
  • Home-based business equipment
  • Jewellery & watches
  • Snowblowers, lawnmowers, garden tractors Contractor Tools
  • Contractor Tools
  • Belongings of unmarried student at student’s home
  • Belongings of relatives at approved care home
  • Belongings stored more than 30 days away from home (e.g. golf carts, sports equipment)
  • Contents left in RV
  • NEW – Home Equipment Breakdown Coverage


Discounts can save you money on the your condo, home or contents insurance. When you’re shopping for the best home insurance policy options, ask us about age/loyalty, new home, monitored alarm system, electronic water shut-off, claims free, mortgage free, credit check and deductible discounts. If you are worried about home insurance cost, know that the brokers at Trustmark are ready and willing to help you find a policy that will sufficiently safeguard your valuable assets and that fits your budget.

At Trustmark, we tailor coverage to fit your life. Before you choose a policy, we make sure you clearly understand what’s covered, what options you have for increased coverage and what discounts might be available. Trust us as your home insurance providers of choice to protect your home, your possessions and your peace of mind.

Areas We Serve

  • Melville
  • Yorkton
  • Regina
  • Esterhazy
  • Langenburg
  • Whitewood
  • Moosomin
  • Moosejaw
  • Fort Qu’Appelle
  • Wynward
  • Foam Lake
  • Weyburn
  • Estevan
  • Lemberg
  • Indian Head
  • Ituna
  • Balgonie
  • Balcares

Why Trustmark

We are a locally owned and operated family business, serving you for over 40 years.

24 hour claims support

Experience and expertise – we have over 120 years combined experience in our office!

We go above and beyond for our clients. We pride ourselves on going that extra mile

We Provide Peace of Mind


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