About your coverage

Select a product to see coverage eligibility
Eligibility Saskatchewan Municipal Hail Insurance Additional Municipal Hail Ltd. Prairie Municipal Hail Ltd.
Land Owner in SK ● ● ●
Land Owner in AB ● ●
Land Owner in MB ● ●
Crown-Land Leased in SK ● ● ●
Land Lessee in AB ● ●
Land Lessee in MB ● ●
Insurable Interest in SK ● ●
Insurable Interest in AB ● ●
Insurable Interest in MB ● ●
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Select a product to see coverage features
Features Saskatchewan Municipal Hail Insurance Additional Municipal Hail Ltd. Prairie Municipal Hail Ltd.
Continuous Coverage ●
Spot Loss Hail Coverage ● ● ●
Fire Coverage ● ● ●
Buy Coverage Direct Online ●
Payment Discounts ● ●
Deferred Payment Options ● ●
Full Coverage ● ● ●
Straight Deductible ● ● ●
Disappearing Deductible ● ● ●
Learn More Learn More Learn More
  • For land owners or lessees of Crown-owned land in Saskatchewan.
  • Interest-free credit until December 31st.
  • No-hassle continuous coverage.
  • Indemnity up to $275 per acre.
  • New applicant sign-ups by June 30th.

Coverage

SMHI insures your crops with indemnities between $25-$275 per acre. Your coverage is in effect between May 15th and October 31st or when harvested. To qualify for coverage, you need to own the land and all the crop seeded on this land must be insured.


Coverage options include full, straight and disappearing deductibles. Once enrolled, your coverage is continuous. With each new year, simply file your crop report (with acres, indemnity and coverage option) by June 15th. Click here for coverage details.


Where coverage on all crops is not required, an Application for Exemption of Crops form must be filled out here before April 30th.

Insurance on credit

We provide payment terms that best suit your operations including interest-free credit until December 31st.


Early payment discounts available for SMHI:


Discount (Paid By)
5% September 30th
4% October 31st
2% November 30th
No Penalty December 31st

Sign up today by contacting your local RM agent here or call 1 (877) 414-7644.

For more information on our coverage options, click here.

JUNE 15

Last day to file crop reports

JUNE 30

Last day for new applicants to apply with SMHI

OCTOBER 31

Last day of hail & fire coverage

MARCH 31

Last day for owners to withdraw from SMHI

APRIL 30

Last day to apply for crop exemption

  • Available to anyone with an insurable interest in the crop within Saskatchewan, Alberta or Manitoba.
  • Can be bought as a stand-alone policy or in addition to SMHI or PMHL.
  • Deferred payment options available.
  • Indemnity up to $500 per acre (conditions apply).
  • Annual application.

Coverage

AMHL offers spot loss hail insurance coverage with indemnities up to $500 per acre. Coverage is effective at 12:00 P.M. the day following your application and is in effect until harvest or up to October 31st.


Coverage options include full, straight and disappearing deductibles. Last day for application is August 1st. Click here for coverage details.

Flexible payment options

We provide payment terms that best suit your operations including deferred payment options.


Pay for your AMHL by:

  • — Cash or credit at time of purchase.
  • — Deferred cash payment due August 1st (at cash rate).
  • — Promissory note due October 15th.

Sign up today by contacting your local RM agent here or call 1 (877) 414-7644.

For more information on our coverage options, click here.

AUGUST 1

Last day to apply for coverage with AMHL

OCTOBER 31

Last day of hail & fire coverage

  • For Owners, lessees or those with an Insurable Interest in Saskatchewan, Alberta or Manitoba.
  • Can be bought as a stand-alone policy or in addition to SMHI or AMHL.
  • Buy online and get a 6% discount.
  • Indemnity up to $350 per acre.
  • Annual application.

Coverage

PMHL offers spot loss hail insurance coverage up to $350 per acre. Coverage is effective at 12:00 P.M. the day following your application and is in effect until harvest or up to October 31st.


Coverage options include full, straight and disappearing deductibles. Last day for application is August 1st. Click here for coverage details.

Payment options

PMHL is purchased online using any device at any time. Buying direct through credit card earns you an immediate 6% discount off your premium. We accept Visa and MasterCard.


To buy PMHL, sign into your existing account or sign up for a new account here.


For more information on our coverage options, click here.

AUGUST 1

Last day to apply for coverage with PMHL

OCTOBER 31

Last day of hail & fire coverage