While property insurance in Regina doesn’t differ greatly from property insurance in other cities, there are some specific risks to be aware of. Saskatchewan faces a number of region-specific risks which may have an impact on home insurance premiums. Some of these include: Floods. Saskatchewan has, at times, experienced high levels of flooding. With climate change and changing weather patterns, insurance companies may find flood protection riskier than in the past and rates could certainly go up. Storms. Summer storms can wreak havoc on homes, roofs and property. An increase in hot summers and greater storms will give providers reason to increase rates for such damages. Ground shifting. In addition to flooding, Saskatchewan has also experienced dry, hot summers, which may have the effect of breaking water mains. This can flood homes, back-up sewage and do a lot of damage to property. Again, home insurance companies are looking at the weather patterns and will adjust rates accordingly.