All SGI Canada Home Pak, Mobile Pak, Tenant Pak, Condominium Unit Owner's Pak, and Prestige insurance policies have automatically been updated to include SGI's new Legal Expense Insurance. This new coverage comes at no extra fee and is now standard on all previously listed SGI Canada policies. Having one of these SGI Canada policies now covers you for:

Automatic Coverage for Legal Costs:

You will be automatically covered for lawyers fees (and other legal costs), for the following:

• Contract Disputes - arising from you buying or selling goods or obtaining services.
• Property Protection - pursuing a claim if a neighbor damages your property or interferes with the use of your land.

Free Legal Advice Hotline 1-855-953-1430

You will also have access to a free telephone legal advice helpline. There are limits to which disputes your insurance will pay for, but no limits on free advice from a lawyer, about any legal subject under the sun. Just ask!

What else might you be covered for?

Depending on which insurance policy you have, your legal costs may be covered for the following:

• disputes with an employer relating to employment contracts and severance;
• pursuing a claim for damages following an accident which causes your injury or death;
• responding to a tax audit/appealing a Canada Revenue Agency decision for personal tax returns;
• defending criminal charges laid against you arising from your work as an employee; and
• disputes relating to your purchase, sale, lease, rental and service of  an insured vehicle.

If you have further questions, please don't hesitate to call our office toll-free 1-888-450-2700 about this new coverage provided on SGI Canada policies.

Got some new gadgets in your home, maybe a radiant floor or some valuable mobile medical equipment? Wawanesa offers Saskatchewan residents a Special Limits Enhancement that can be extremely useful on your home or condo that not only increases some of your existing coverage limits but adds coverage to key systems you rely on in your everyday life. This Home Equipment Breakdown coverage is extremely handy in covering costly gaps to basic policies, protecting you from expensive repair or replacement to key pieces of equipment and systems.

The Special Limits Enhancement raises limits to these existing coverages:

- $20,000 Jewellery and Furs

- Personal property of a student away at school

- Watercrafts

- $20,000 Building Bylaws Coverages

- $20,000 Fire Department Charges Coverage

- Home Freezer Contents

The Special Limits Enhancement also adds $50,000 Home Equipment Breakdown coverage for equipment, systems, and personal property that includes:

- Central air conditioning

- Boilers, furnaces and heat pumps

- Radiant floor heating

- Pool and spa pumps, heating and filtration

- Electrical service panels

- Home security monitoring and control devices

- Kitchen and laundry appliances

- Home entertainment equipment

- Computers, peripherals and wireless devices

- Mobile medical equipment

- Portable generators and sump pumps

If you would like more information regarding Wawanesa's Special Limits Coverage, please give us a call at 1-800-450-2700 or 306-955-2700.

We strive at Al Hattie Insurance is to ensure that as a policy holder at our office you are properly covered under your insurance to cover modern claims scenarios in Saskatchewan. In years past, $1 million in liability coverage to a home, tenant, condo, or auto policy may have seemed more than enough. Unfortunately, this year has seen several claims rising not only above the $1 million but $2 million mark. Due to this trend, we are making sure that our customers are aware of the rising cost of fire and other claims to make sure they are fully covered in case of an accident.

A major fire claim in May this year was one of several incidents that show that rising cost of living and growing density in the city and province inevitably are leading to higher and higher claims. As people's busy lives don't always leave them enough time to or to study the claims market, we strive to make sure that you as the insured are provided with coverage that will do what it is supposed to in case of an emergency; make sure you are going to be covered in case of incident.

As of Jan. 1st 2014 all home, condo, tenant, and auto policies are going to be automatically renewed with $2 million liability coverage. We have unfortunately seen claims in the province that are well exceeding the previous standard of $1 million liability coverage and we don't want you to be paying for insurance and still end up with an enormous bill at the end of the day when an accident occurs. On most policies, to raise liability coverage from $1 million to $2 million will only see an increase of $1-$2 per month per unit on your current policy. $2 million liability coverage won't be mandatory, but will now be recommended for all policies as a minimum limit. If you feel like you are at risk of needing higher coverage, it is possible to also purchase up to $10 million liability coverage when you add an 'Umbrella' liability policy.

If you have questions regarding your policy, getting your coverage changed or increased, or don't know what coverage is best for your needs, please call us (306-955-2700 or toll free 1-888-450-2700) or stop by our office at 3020C Arlington Ave and talk to one of us.

As a condominium owner in Saskatchewan it is important to know your insurance options, as even though your condo corporation may have it's own policy to cover the property, common areas, and structure, this will not cover your belongings, improvements you have made to your unit, or personal liability. SGI Canada offers the following Condominium Unit Owner's Pak options.

Condominium Unit Owner's Pak A

Protects your belongings against loss or damage resulting from:

- fire or lightning

- explosion or implosion

- smoke

- falling objects

- impact by aircraft, spacecraft or land vehicles

- riot

- vandalism

- water escape and rupture

- electricity (power surge)

Condominium Unit Owner's Pak I

In additional to Pak A coverage, Pak I also covers:

- glass breakage

- theft, including damage caused by attempted theft

- loss or damage to items being transported, caused by an accident involving the transporting vehicle

Condominium Unit Owner's Pak II

In addition to Pak I, includes comprehensive coverage for yout belongings (subject to certain restrictions).

Important Features

All packages come with several important features for no additional cost.

Personal liability coverage

Also included with all packages, this coverage protects you in case you're found legally responsible for bodily injury to someone else or for damage to their property. This is a $1 million limit in personal liability coverage to cover:

- court costs, legal fees and certain other expenses associated with your defence in the event of a liability suit

- voluntary medical payments up to $5000 and voluntary property damage payments up to $5000, even if you're not legally liable

Improvements and Betterments Coverage

All SGI Condominium Unit Owner's Paks automatically provide 200% of the belongings amount in coverage for any improvements you make to your condo. You can increase this amount for an additional premium charge.

Contingent Coverage

This provides protection for your unit in the event the condominium corporation's insurance is inadequate.

Additional options

- Identity Theft Coverage

- Excess Protection - premises improvemnts

- Increased Limits Coverage

- Special Belongings Coverage

- Sewer Backup Coverage

- Voluntary Fire Fighting Coverage

- Watercraft Coverage

- Seasonal Home Coverage

- Rental Home Coverage

Further information can be found in our Condo Insurance section.