Most people think they’re covered. Until they’re not.
The renovation is finally done. New flooring. Custom cabinets. Finished basement.
Three months later, a summer storm hits Regina. The sewer backs up. And somewhere between the damage assessment and the insurance call, the homeowner learns something most people don’t realize until it’s too late:
Coverage gaps are usually created by life changes, not bad decisions.
According to brokers at Campbell & Haliburton, most insurance problems don’t happen because people ignored their coverage. They happen because people genuinely believed they were protected.
The biggest risks are usually the ones people never think about.
People renovate. They buy cabins. They rent out basement suites. They start businesses from home. They collect jewelry, artwork, bikes, and recreational equipment over time. But many never revisit their coverage afterward. And that’s often where problems begin.
People update their kitchens faster than they update their insurance and honestly, that’s usually where we see the disconnect. — John Grant, President of Campbell & Haliburton
Think of it like a mortgage broker but for insurance.
Different insurers offer different pricing protections, limits, and exclusions. But according to the Campbell & Haliburton brokerage team, the biggest differences are often hidden in the details.
Some policies include protection for sewer backup, overland water, accidental damage, or mysterious disappearance. Others may not.
“There’s no universal definition for ‘full coverage’” says one CH broker. “That’s why reviewing your policy matters.”
Even two neighbours with similar homes can end up with very different coverage depending on renovations, claims history, discounts, or how the home is being used.
FIVE things people are often surprised to learn:
1. “Full coverage” doesn’t always mean what people think it does.
2. Renovations and lifestyle changes can affect your coverage.
3. Many valuables may need additional appraisals or scheduled protection.
4. Basic auto liability protection may not fully protect you in a serious accident.
5. The best time to prepare for a claim is before you need one.
Some advice only comes from living here.
Regina comes with its own realities: • Hailstorms • Freeze-thaw cycles • Basement suites • Cabins • Sewer backup concerns
Those aren’t just insurance categories. They’re part of life here. And when something does go wrong, people rarely want a call center.
They want someone who understands the situation and can help guide them.
“Insurance should never feel transactional,” says Grant.
“When something happens, people want clarity, support, and someone they trust to help them navigate it.”
Most people don’t think much about insurance until something goes wrong. That’s understandable.
But the difference between feeling protected and feeling exposed often comes down to the conversations that happened long before a claim ever occurred.
The questions asked.
The details reviewed.
The gaps someone took the time to notice.
Book a coverage review at 306.757.0621 or visit us online at mych.ca